Emma expands instant acceptance up to $750,000 with accelerated underwriting
Emma is unveiling a major enhancement to its underwriting journey that enables instant acceptance for more applications up to $750,000 in coverage.
Key Takeaways
- Instant coverage up to $750K
- Smarter automation, same competitive pricing
Emma simplifies life insurance with instant approval for up to $750,000 in coverage
Montreal, October 22th, 2025 — Emma, Canada’s leader in digital life insurance, is unveiling a major enhancement to its underwriting journey that enables instant acceptance for more applications up to $750,000 in coverage, while maintaining some of the most competitive rates in the industry.
Leveraging structured data and internal analytics, Emma identified profiles that most often triggered unnecessary manual pricing. The company then optimized its questionnaires and refined its automated pricing engine to broaden the number of cases accepted instantly, without additional underwriting delays.
Thanks to this innovation, many applications that previously required extra questionnaires or manual review can now be approved automatically in just a few minutes.
For example, a healthy 35-year-old parent can now secure $750,000 in coverage in under 10 minutes, with no medical exam or complex paperwork. Canadian families benefit from a simpler, faster, fully online experience, with no compromise on price.
“We’re delivering the best of both worlds: competitive prices and an accelerated or automatic underwriting process,” said Félix Deschatelets, CEO and co-founder of Emma.
This evolution is part of Emma’s mission to democratize access to financial protection through a simple, human, and affordable digital experience.
About Emma
Founded by Félix and Jacomo Deschatelets in Montreal, Emma is the only online life insurance offering with modern, human values, focused on simplifying and accelerating access to financial protection for Canadian families. Emma combines technology, competitive pricing, and human support to deliver a seamless experience from quote to policy issuance.
To learn more about life insurance, visit emma.ca.
For more information about this news or to schedule an interview, contact:
Félix Deschatelets
Co-founder and President
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Publications:
- TBD