Life Insurance for Seniors — leave a legacy, not a burden

• 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.

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.
  

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.

• 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.

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.