Who is UV Insurance
UV Insurance offers personal life insurance products customized to fit your needs as well as group insurance and investment designed to ensure your peace of mind. as we have been doing for the past 130 years.
Based in Drummondville, they have been around for more than 130 years. Backed by a network of expert independent advisors working on the Canadian insurance market, UV Insurance has built a good reputation based on their financial stability and excellent customer service.
At UV Insurance, the goal is simply to "insure" peace of mind by offering innovative products as well as the best solutions to its clients.
UV Insurance or Emma: which should you choose in 2026?
In short: UV Insurance is a Quebec mutual whose Superior+ term is sold through advisors, for 10, 15, 20, 25 or 30 years. Emma is a brokerage firm whose term policy is issued by Humania Assurance, with any term from 10 to 35 years and an online application. For $500,000 over 20 years, non-smoker, Emma's grid is lower than UV Insurance at every age we compared (30, 40 and 50), for women and men. UV lets you convert to whole life before age 70, versus up to 65 with Emma.
Disclosure: Emma publishes this page. Emma distributes Emma term life insurance (issued by Humania Assurance) and, through its advisors, products from other insurers, including UV Insurance. We therefore have a commercial interest in both options. We only compare published, dated facts.
UV Insurance and Emma at a glance
| What to compare | UV Insurance | Emma |
|---|---|---|
| Who issues the policy | UV Insurance, a Quebec mutual | Humania Assurance (Emma term); other insurers through advisors |
| Term lengths | 10, 15, 20, 25 or 30 years | 10 to 35 years, in one-year steps |
| Renewal | Guaranteed renewal premium known in advance; age limit not shown on the page | Yearly to age 80, no evidence of insurability |
| Conversion to permanent | To whole life, before age 70 | Up to age 65 |
| Exchange for a longer term | Yes, request within the first 5 years | Once, between the 1st and 5th anniversary |
| Coverage amount | Not published on the pages we read | $50,000 to $5,000,000 |
| How to apply | Through an advisor; simplified issue or regular underwriting depending on the amount | Online quote and application, with advisors if you want one |
| Published premiums | No grid on the product page we read | Yes, 2026 grid by age, term and amount |
UV Insurance or Emma: which costs less?
For $500,000 over 20 years, non-smoker, Emma's grid is lower than UV Insurance at every age we compared (30, 40 and 50), for women and men.
| Profile | Emma (2026 grid) | UV Insurance (T-20 Superior+) |
|---|---|---|
| Woman, 30 | $19.35 | $22.95 |
| Man, 30 | $27.45 | $31.50 |
| Woman, 40 | $31.95 | $35.55 |
| Man, 40 | $43.20 | $48.60 |
| Woman, 50 | $87.75 | $90.90 |
| Man, 50 | $126.45 | $135.45 |
Sources: Emma 2026 term life rate grid, policy fee included; T-20 Superior+ (UV Assurance), monthly premiums shown on term4sale.ca (Compulife), regular health, non-smoker, Quebec, read November 4, 2026. A published example is not a quote: your premium depends on your answers and on the insurer accepting your application.
Good to know: if UV Insurance suits you better, you do not need to find another advisor. Emma advisors can present UV Insurance products and compare them with other insurers.
Choose UV Insurance if...
- You want a century-old Quebec mutual insurer.
- You want to be able to convert to whole life before age 70 (up to 65 with Emma).
- You expect to want whole life with cash value later: UV offers it, Emma’s T100 has none.
Emma is the better fit if...
- You want to pay less than T-20 Superior+ for $500,000 over 20 years: Emma’s grid is lower at every age we compared.
- You want a custom term (10 to 35 years) rather than 10, 15, 20, 25 or 30.
- You want to see your price online before talking to anyone.
Spotted something wrong or out of date on this page? Email editorial@emma.ca and we will fix it. Comparison checked November 4, 2026.
Life insurance products by UV
The life insurance provided by UV Insurance is designed to correspond to your situation. Their wide range of individual life insurance is tailored to ensure the well-being of you and your family. Whether you want to finance your kid's education, save for retirement or simply buy peace of mind, life insurance should be part of any financial strategy.
UV Insurance also offers its Superior+ term and whole life policies with simplified issue or regular underwriting, depending on the amount applied for.
UV Permanent insurance
With UV Insurance whole life insurance, benefit from fixed premiums and a cash value. The amount of coverage ranges from $5,000 to $150,000 and you can choose between the Adaptable or the Integral product.
The Adaptable is a whole life insurance product with a cash values with guaranteed premiums.
The Integral offers you the possibility to pause your premium payments for a certain period of time would you be in an unstable financial situation.
UV Term life insurance
UV Insurance is aware that your insurance needs change over the course of your life. This is why they offer Superior+ term life insurance, a protection that will last you for 10, 15, 20, 25 or 30 years depending on what you need.
Offered with guaranteed premiums, exchangeability for a new term life insurance policy, convertibility into permanent life insurance policy and the possibility to add many riders to your existing coverage, this flexible product might answer your need for life insurance.
UV Insurance: frequently asked questions
How much does UV term life insurance cost?
UV Insurance does not publish a rate grid on its product page. On term4sale.ca (Compulife), read November 4, 2026, T-20 Superior+ for $500,000 costs $22.95 a month for a 30-year-old non-smoking woman and $31.50 for a man, in regular health. Your premium depends on your answers.
Can I get UV Insurance through Emma?
Yes. Emma advisors can present UV Insurance products, including Superior+ term, and compare them with Emma term life insurance and other insurers for the same amount and term.
How do I contact UV Insurance?
UV Insurance lists 1-800-567-0988 (toll free) and 819-478-1315. It serves clients by phone and email; there is no in-person customer service at its Drummondville head office.