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Life insurance


LIFE INSURANCE MADE EASY!

Find out why thousands of Canadians choose to buy their life insurance online
with Emma.
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LIFE INSURANCE

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Excellent 4.9 out of 5


YOUR FUTURE IS BRIGHT.
LET’S PROTECT IT.


We've helped thousands of families get the right insurance. Get same-day
coverage and affordable policies to protect your loved ones.

Get your free quote
100% online
Same-day coverage
No medical exam
Not ready yet? Learn more


SELECT A PRODUCT TO GET STARTED


LIFE

Protecting the people you love


CAR

Protect your car and passengers


HOME

Protect your home and stuff


PET

Protect your furry family members
1,000+ satisfied parents

HEAR WHAT OUR FAMILIES SAY ABOUT US





LIFE INSURANCE
TAILORED FOR YOU


Life insurance is a tax-free payment offered to your loved ones as a death
benefit to cover family expenses, debts and funeral costs.

YOUR SITUATION SAYS MORE THAN YOU MAY THINK!

If you recognize yourself in any of these statements, then you probably need
life insurance.

Get your free quote

COUPLE

As a couple living together, chances are that you’ll not only be sharing your
home but your incomes too. In the event of your death, life insurance will help
your partner maintain the same lifestyle even after you’re gone.

PARENT

When it comes to their children's future, every parent wishes them only the
best. Life insurance helps ensure that this wish comes true, whatever may
happen.

HOMEOWNER

Make sure your loved ones will inherit your belongings, without the debts that
come with them.

HOW IT WORKS

Simple, fast, and fully online

FILL OUT A QUICK FORM

Answer a few questions to get a personalized coverage.

LET US DO THE WORK

Spare yourself from endless shopping, get the right quote from the get-go.

YOU’RE COVERED!

Say goodbye to paper and get instant access to your digital policy.

Cancel anytime
15-day money back guarantee
Advisors available by chat

Get your free quote



WHY CHOOSE EMMA?


NOT ALL PROVIDERS CARE
AS MUCH AS WE DO.

Emma offers things that others don’t, because we understand your reality and
care for your well-being.

Get your free quote



COVERAGE FOR EVERY MEMBER
OF THE FAMILY!


At Emma, we offer term life insurance, whole life insurance, and child coverage.

Term life insurance
Whole life insurance
Child coverage


TERM LIFE INSURANCE

Term life insurance is usually best for people who have dependants who rely on
them financially in order to cover temporary expenses like income replacement.

Perfect for short-term needs
Convertible to whole life
Affordable - starting as low as $6/month
Get a term life insurance


WHOLE LIFE INSURANCE

Whole life insurance covers lifelong needs like estate planning or funeral
expenses. It's always a good idea to lock your price at a young age with whole
life insurance.

Perfect for long-term needs
Lifetime price guarantee
Get a whole life insurance


CHILD COVERAGE

At Emma, we offer life insurance for every member of the family. Add a $25,000
child coverage to your policy with a simple click.

Cover 1 to infinite children
Children are automatically approved
No medical exam required
Get a child coverage

OUR MISSION


WE’RE HUMAN, ABOVE ALL ELSE

At Emma, education is our priority. Our team of experts are committed to guiding
and supporting you every step of the way.




PURCHASE ON
‍YOUR SCHEDULE

With Emma, you can buy your protection whenever you want, whether you're at
home, on the road, or even while traveling!

Get your free quote



LIFE INSURANCE FAQ

Answers to your questions


EMMA’S LIFE INSURANCE? WHAT’S THAT?

After working with hundreds of moms, we noticed that no life insurance was
adapted to the reality of young families. So, we decided to create a special one
just for them.


Emma’s life insurance stands out from other insurance companies with a
simplified questionnaire of about 20 questions (many of which include the
reality of a pregnant woman), access to a chat every day from 9 a.m. to 9 p.m.,
and one of the best prices on the market.


Emma makes it easy for young parents to obtain their life insurance coverage.


Here’s an example of life insurance protection based on the profile of a
healthy, non-smoking, 30-year-old woman.



HOW DOES EMMA'S LIFE INSURANCE WORK?

 * First, you choose the term of your insurance policy and then the amount of
   insurance that will be paid out if you pass away.
   
 * Then, you pay a monthly or annual insurance premium to be insured. At Emma,
   we make sure we find the best life insurance for your needs, at the best
   price.
   
 * In the event of your death, the beneficiaries — those you have chosen to
   cover with your life insurance — will receive the amount of money to protect
   them against this unfortunate event.


WHY TAKE LIFE INSURANCE WITH EMMA?

Life insurance is crucial to financially protect your family. It allows you to
leave a tax-free amount in the event of your death. Life insurance can also be
used to cover a mortgage, car loan, or personal loan.


At Emma, we offer an effective online solution, and it won’t cost you more to
find your life insurance with us. The price will be the same whether you buy
with Emma, from another broker, or directly from the insurer.


 * The difference is that we compare prices quickly to find the best insurance
   without you having to leave your house.
   
 * Another difference is that we don’t work on commission. We have no advantage
   in selling you an overly expensive insurance policy that doesn’t suit your
   needs.
   
 * As for permanent life insurance, it does not expire, and the amount of
   coverage can vary over time. This type of life insurance is better suited for
   people with more complicated financial situations or those who have estate
   planning needs.
   


HOW DO I BUY EMMA LIFE INSURANCE?

Here are the 3 easy steps:


 * Validate your eligibility: check your eligibility for Emma’s life insurance
   by answering a few health questions.
   
 * Calculate your needs: calculate the ideal life insurance coverage to protect
   your family with our smart calculator.
   
 * Get your price: select your coverage and chat with an Emma expert to get your
   life insurance.
   

Emma life insurance ranks among the best prices on the market for young parents.





DOES EMMA OFFER TERM AND WHOLE LIFE INSURANCE?

 * There are two categories of life insurance: term life insurance and whole
   life insurance. While term life insurance lasts only for a specific period,
   whole life insurance will always remain in force as long as the insurance
   premium is paid.
   
 * Term life insurance is simpler to manoeuvre and less expensive: you pay a
   monthly or annual premium. Then, in the event of your death, a fixed amount
   is paid to your loved ones. Unlike whole life insurance, a term life
   insurance policy expires after a set period. Most people buy term life
   insurance because it’s less expensive and simpler.
   
 * On the other hand, whole life insurance does not expire, and the amount of
   insurance can change over time. This type of life insurance is best suited
   for people with more complicated financial situations or estate planning
   needs.
   

Note that there are several different types of term and whole life insurance.


WHO IS EMMA INSURANCE FOR?

“So simple, especially with our crazy lives! I was able to wash my dishes, read
a story and put my kids to bed for the night while completing my online
application!”

Judith Labonté

Mom of 2


There are many different types of people who purchase a life insurance policy.


 * Parents
   As long as they are dependent on you, your children have many expenses.
   Having life insurance is about making sure they are never left alone before
   they need to be.
   
 * Married couples
   Being legally married also means choosing to share finances and financial
   problems in the event of an unexpected death.
   
 * Homeowners
   Having a home often means having a large mortgage. Since this is the most
   expensive debt for most people, it’s a good idea to protect yourself with
   life insurance that will last at least as long as your mortgage.
   
 * Students
   Student debt leaves loved ones in a quandary. You’re never too young to
   protect yourself.
   
 * Business owners
   Like married couples, being in business is a financial union. Many
   entrepreneurs have life insurance to ensure that their business will
   continue, no matter what happens.
   

Whatever your situation, there is a life insurance product that suits your
needs. Even if you don’t think you’ll leave anyone in the lurch in the event of
your death, there are ways to make your life insurance benefit a foundation or
museum, for example.



WHAT IF I DON'T QUALIFY WITH EMMA?

It is essential to deal with an insurer you trust and who is right for you. Most
people will choose the cheapest insurer; however your insurer must meet your
needs according to your situation.


Emma is affiliated with all the major insurers in Canada. Therefore, you can
choose the best life insurance in Canada with confidence.


To help you choose, we’ve put together a list of insurance companies. You can
find life insurance companies such as Sun Life, Manulife, Empire Life, Canada
Life Humania, iA Financial Group, iA Excellence, Canada Protection Plan,
Desjardins, etc.



WHAT ARE THE MAIN TYPES OF LIFE INSURANCE?

Life Insurance Type
Policy Length
Cash Value
Premiums
Target Market
Term life insurance
Fixed term, typically 10-30 years
None
Relatively low, but increase as policyholder ages
Those who need temporary coverage or those on a budget

Whole life insurance
Lifetime
Yes, builds up over time
Higher than term, but remains fixed
Those who want lifelong protection and cash value

Universal life insurance
Adjustable, can be changed by policyholder
Yes, builds up over time
Varies based on performance of underlying investments
Those who want flexibility and cash value

Mortgage life insurance
Length of mortgage, typically 15-30 years
None
Varies, but typically included in monthly mortgage payments
Homeowners with a mortgage

Participating life insurance
Lifetime
Yes, builds up over time
Varies based on performance of insurer, may include potential for dividends
Those who want lifelong protection and the potential for dividends
You made it to the end!

Now, here’s the easy part: validate your eligibility in just 2 minutes.


Get Started


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