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Life insurances quotes are personalized for each person. Emma offers you a simplified and fully online approach to find the best insurance policy. Would you like that?
After working with hundreds of moms, we noticed that no life insurance options were adapted to the reality of young families. So we decided to create a special one just for them.
Emma’s life insurance options stand 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 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, 30-year-old non-smoking woman.
Life insurance is crucial to find financial security and protect your family. It allows you to leave a tax-free payment (death benefit) in the event of your death. Life insurance can also be used to cover a mortgage, cover final expenses, car loan or personal loan.
At Emma, we offer an effective online solution at a lower life insurance cost than most brokers. Of course, it always depends on your insurability, but we are confident we are your best option!
Here are the 3 easy steps:
Emma ranks among the best prices on the market for young parents.
Beneficiaries can receive the death benefit after the insured passed away. The first step is to send the supporting documents to the life insurance company so that they can process the application.
An insurance company must pay out the death benefit within 30 days of receiving information supporting the death of the insured. These supporting documents are:
Life insurance provides you with protection in the event of death. It takes the form of a contract in which an insurer undertakes to pay you the sum insured, called the death benefit, in exchange for a premium paid monthly or annually.
If you want information about life insurance, Emma is here. You can use our calculator to get the minimum amount of life insurance you need to protect your family and finally, get your life insurance plan.
How can I proceed?
Whatever your situation, our team will make sure there’s a life insurance product that suits your needs.
Life insurance is a financial instrument that allows the insured to obtain financial protection to financially safeguard his loved ones in the event of death.
Note that there are several different types of life insurance within term life insurance and permanent life insurance.
There's also a type of life insurance called Universal Life Insurance, which is a bit more complicated. Universal life insurance is a form of long-term life insurance that covers you for the rest of your life or indefinitely. Because the policy owner may usually increase or decrease their premium payments on an annual basis, universal life plans generally have greater adaptability than whole life insurance.
The significant difference is that, in most cases, a whole life insurance policyholder pays more in premiums than they would with a term policy. As a result, universal life is typically only utilized by the wealthy who already have a good amount of money in their retirement savings, therefore, they have extra money to invest.
A life insurance policy can provide a large amount of money at a reasonable cost. Yet, according to one study, more than half of people think that term life insurance is more expensive than it is. Find out your life insurance needs and calculate your price.
Several factors will affect the price of your life insurance premium. Like all types of insurance, life insurance is there to protect you in the event of an unexpected death. The higher your risk of death is, the more insurers will increase your premium. Here are some factors that affect your life insurance premium.
A U.S. Federal Reserve Board report released in 2019 shows that nearly 40% of adults would have trouble paying a $400 contingency amount, and 12% would be unable to pay that amount. The role of life insurance is to protect your loved ones who are affected by your financial situation.
There are many different types of people taking an insurance policy.
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.
It is essential to deal with an insurer you trust and who is right for you. Most people will choose the cheapest insurer, but your insurer must meet your needs according to your situation.
At Emma, we are 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.