Emma Life Insurance review

Emma is an online life insurance platform that lets you compare whole and term life insurance policies with no need for a medical exam. You’ll get $25,000 in automatic coverage for your children as soon as you’re approved, and you can cancel anytime. Just answer a few questions about your medical history and lifestyle to get started.

How does Emma Life Insurance work?

Emma Life Insurance is an online broker that uses your personal information to find the best life insurance policy for your needs. All you need to do is enter your contact details and answer a few questions about your medical history and lifestyle to get started.

From there, Emma will match you with the quotes that offer the best prices and coverage for your personal situation. Once you pick a policy, you’ll need to enter your payment information and sign some documents to start your coverage.

What makes Emma Life Insurance unique?

Emma Life Insurance is unique because it provides affordable coverage to underrepresented segments of the population (such as women, young families and students). You can get a policy for as little as $8 per month and you won’t need to undertake a medical exam.

Once your policy begins, Emma Life Insurance offers a 15-day guaranteed refund period or free cancellation if you’re not satisfied with your service. Your children will also be automatically guaranteed for coverage as long as you’re approved.

Who does Emma Life Insurance work with?

Emma Life Insurance works with a number of reputable insurance providers across Canada to offer you coverage. These include the following:

Sun Life	Manulife	Empire Life
Canada Life	Humania	iA Financial Group
iA Excellence	Canada Protection Plan	Desjardins

What types of life insurance does Emma offer?

Emma offers whole and term life insurance through its network of providers:

• Term life insurance. Term life insurance comes with a smaller premium and offers coverage for a fixed amount of years or up to a certain age.
• Whole life insurance. Whole life insurance protects policyholders as long as they pay their premiums, even as they enter old age.
• Children’s insurance. Children are automatically approved for up to $25,000 in coverage when you register your policy with Emma.

Benefits and drawbacks of Emma Life Insurance

Benefits

• Easy application. You can apply for coverage in under 20 minutes from the comfort of your own home.
• Affordable coverage. Premiums start as low as $8 per month, and your children will be guaranteed coverage as part of your policy.
• No medical exams. You won’t need to submit to a medical exam to get approved.
• Refund guarantee. You can try your policy out for 15 days and get a refund if you’re not satisfied, or cancel for free at any time.

Drawbacks

• Limited providers. You’ll only get quotes from the providers that Emma Life Insurance works with – which could mean you miss out on a better deal elsewhere.
• Few policy options. You won’t be able to get standalone disability insurance or critical illness policies with this provider.
• No in-person service. You can’t visit Emma Life Insurance in person if you run into issues with your policy.
• No direct insurance. It’s not possible to get a policy directly from Emma.ca since the company doesn’t underwrite its own insurance.

How to apply for Emma Life Insurance quotes

If you’re interested in comparing life insurance quotes through Emma, you’ll need to follow a couple of simple steps to apply.

1. Open the Emma Life Insurance main website and click the orange “Get started” tab in the upper right-hand corner of the page.
2. Use the online application to update your contact information and answer a few questions about your general health and lifestyle.
3. Specify the type and amount of coverage you need, and submit your application.
4. Wait for Emma to provide you with a list of quotes from various providers and choose the policy that makes the most sense for you.
5. Submit your payment information once you’ve been approved for coverage.

Compare other life insurance providers

Bottom line

Emma Life Insurance lets you apply for life insurance with some of Canada’s most reputable providers from the comfort of your own home. There’s no need for a medical exam and you’ll get guaranteed coverage for your kids as long as you’re approved. You can also take advantage of a 15-day refund guarantee or cancel for free at any time if you’re unsatisfied with your service.

Frequently asked questions about Emma Life Insurance

• Am I guaranteed to be approved if I apply for life insurance through Emma.ca?

  Not necessarily. Emma Life Insurance does what it can to get you coverage, but you may not be eligible if you have certain health conditions or are over a certain age. Your best bet to find out if you qualify is to apply for a quote and see if your application is approved based on the information you submit.

• Should I apply for whole or term life insurance?

  That really depends on your preferences. Term life insurance is usually cheaper and many people use it as a safety net while they’re raising children or paying off major assets (usually over a period of 10-20 years). Whole life insurance is typically much more expensive but covers you for your entire life as long as you continue to pay your premiums.

• Are Emma life insurance advisers commissioned?

  No. Advisers aren’t commissioned, so they can work in your best interest when offering you life insurance policy options.

• How much does life insurance through Emma cost?

  You’ll pay different amounts based on what type of insurance you need as well as how much coverage you want. You’ll also pay different premiums based on personal factors such as your age, health history, smoking habits, occupation and hobbies.

• Can I cancel my life insurance through Emma Life Insurance?

  You can cancel your life insurance policy without having to pay any penalties or cancellation fees. You can also apply for a full refund of your first premium if you cancel your policy within 15 days of signing up (as part of Emma‘s guaranteed refund policy).

• Who can I contact if I have questions about my life insurance?

  You can contact the customer service team at Emma Life Insurance using your account’s online chat function. You can also call or email a regional office to speak to a customer service agent directly.