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Emma life insurance review

Find an affordable life insurance policy for you and your kids when you compare providers using this online platform.

  • Get a quote if…
    You want affordable coverage that’s designed to meet your family’s unique set of needs. 
  • Choose a different provider if…
    You would rather deal with an in-person life insurance provider. 
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By

Claire Horwood

Updated

Please note: All information about Emma Life Insurance has been collected independently by Finder and this product is not available through this site.
Emma is an online life insurance platform that lets you compare whole and term life insurance policies with no need for a medical exam. You’ll get $25,000 in automatic coverage for your children as soon as you’re approved, and you can cancel anytime. Just answer a few questions about your medical history and lifestyle to get started.

What can life insurance cover?

Life insurance pays out a lump sum of money if you die unexpectedly, usually due to an accident or sudden illness. Your family members can use funds to cover expenses such as daily bills, medical fees or funeral costs. The money is typically paid out all at once and your family members won’t need to specify how they intend to spend it in most cases.

How does Emma Life Insurance work?

Emma Life Insurance is an online broker that uses your personal information to find the best life insurance policy for your needs. All you need to do is enter your contact details and answer a few questions about your medical history and lifestyle to get started.

From there, Emma will match you with the quotes that offer the best prices and coverage for your personal situation. Once you pick a policy, you’ll need to enter your payment information and sign some documents to start your coverage.

What makes Emma Life Insurance unique?

Emma Life Insurance is unique because it provides affordable coverage to underrepresented segments of the population (such as women, young families and students). You can get a policy for as little as $8 per month and you won’t need to undertake a medical exam.

Once your policy begins, Emma Life Insurance offers a 15-day guaranteed refund period or free cancellation if you’re not satisfied with your service. Your children will also be automatically guaranteed for coverage as long as you’re approved.

Who does Emma Life Insurance work with?

Emma Life Insurance works with a number of reputable insurance providers across Canada to offer you coverage. These include the following:

Sun LifeManulifeEmpire Life
Canada LifeHumaniaiA Financial Group
iA ExcellenceCanada Protection PlanDesjardins

What types of life insurance does Emma offer?

Emma offers whole and term life insurance through its network of providers:

  • Term life insurance. Term life insurance comes with a smaller premium and offers coverage for a fixed amount of years or up to a certain age.
  • Whole life insurance. Whole life insurance protects policyholders as long as they pay their premiums, even as they enter old age.
  • Children’s insurance. Children are automatically approved for up to $25,000 in coverage when you register your policy with Emma.

Benefits and drawbacks of Emma Life Insurance

Benefits

  • Easy application. You can apply for coverage in under 20 minutes from the comfort of your own home.
  • Affordable coverage. Premiums start as low as $8 per month, and your children will be guaranteed coverage as part of your policy.
  • No medical exams. You won’t need to submit to a medical exam to get approved.
  • Refund guarantee. You can try your policy out for 15 days and get a refund if you’re not satisfied, or cancel for free at any time.

Drawbacks

  • Limited providers. You’ll only get quotes from the providers that Emma Life Insurance works with – which could mean you miss out on a better deal elsewhere.
  • Few policy options. You won’t be able to get standalone disability insurance or critical illness policies with this provider.
  • No in-person service. You can’t visit Emma Life Insurance in person if you run into issues with your policy.
  • No direct insurance. It’s not possible to get a policy directly from Emma.ca since the company doesn’t underwrite its own insurance.

How to apply for life insurance quotes with Emma

If you’re interested in comparing life insurance quotes through Emma, you’ll need to follow a couple of simple steps to apply.

  1. Open the Emma Life Insurance main website and click the orange “Get started” tab in the upper right-hand corner of the page.
  2. Use the online application to update your contact information and answer a few questions about your general health and lifestyle.
  3. Specify the type and amount of coverage you need, and submit your application.
  4. Wait for Emma to provide you with a list of quotes from various providers and choose the policy that makes the most sense for you.
  5. Submit your payment information once you’ve been approved for coverage.

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PolicyMe Life Insurance
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RBC Life Insurance
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PolicyAdvisor
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Whole Life, Term Life, Universal, No Medical
$25,000 - $25,000,000
18 - 75
No
AB, MB, ON
PolicyAdvisor is a digital life insurance brokerage that has partnerships with 20 insurers in Canada.
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Bottom line

Emma Life Insurance lets you apply for life insurance with some of Canada’s most reputable providers from the comfort of your own home. There’s no need for a medical exam and you’ll get guaranteed coverage for your kids as long as you’re approved. You can also take advantage of a 15-day refund guarantee or cancel for free at any time if you’re unsatisfied with your service.

Frequently asked questions

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