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Stop paying too much for your life insurance

$2M coverage for less than $1.38/day.

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AS FEATURED IN

Life insurance platform 100% online

Take advantage of the lowest price with Emma and access over 10 Canadian insurers

Get all the life insurance options available in the Canadian market in one visit.

Price based on the profile of a 30-year-old, non-smoking woman.

Price based on the profile of a 35-year-old, non-smoking man.

Price based on the profile of a 50-year-old, non-smoking woman.

Step 1

Answer a few easy questions

To understand your life insurance needs, we need to ask you a few questions about your health and lifestyle.

Step 2

Get your free quote

You will receive a quote based on your needs. Continue, or discuss it with an expert advisor.

Step 3

All set! You’re now insured!

Just pay online, and your coverage will start right away. It’s that easy!

Securing life insurance now can save you money!

Did you know that for every year you delay, your premium could increase by up to 10%?

At Emma, we offer Canada’s most competitive rates, ensuring that you get the best value for your coverage. Act now to lock in the best price before it goes up.

Emma, the most affordable and simple online solution

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No Paperwork Required

Get insured in less than 10 minutes, all online!

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24/7 Support

Need help? Our Emma experts are available at any time.

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Most Affordable Price

Unbeatable life insurance rates—top-notch coverage at the best price on the market.

LIFE INSURANCE FAQ

Answers to your questions

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 talk with an Emma expert to get your life insurance.

Emma life insurance ranks among the best prices on the market.

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?

judith-emma-life-insurance
“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 L.
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 most affordable 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 Manulife, Empire Life, Canada Life, Humania, UV, 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
Fixed term, typically 10-30 years
None
Relatively low, but increase as policyholder ages
Those who need temporary coverage or those on a budget
Lifetime
Yes, builds up over time
Higher than term, but remains fixed
Those who want lifelong protection and cash value
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
Length of mortgage, typically 15-30 years
None
Varies, but typically included in monthly mortgage payments
Homeowners with a mortgage
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.