Emma Life Insurance Review 2024: Is It Right For You?

Amanda Hester

Emma is a family-centric, online insurance brokerage platform that makes buying life insurance easy. It allows users to compare, contrast, and choose the best life insurance quotes from Canada’s biggest and most trusted insurance companies.

The organization leverages big data to underwrite insurance policies, and a proprietary live chat function to allow customers to get on-demand advice from experts. Its main goal is to make life insurance accessible, inclusive, fast, and easy to understand.

Overall rating


Summary: The team makes your life easier by finding a life insurance policy that fits your situation. If you are looking to get insured quickly and avoid in-person meetings, Emma has you covered.

Emma Life Insurance

emma logo


Min. Monthly Fee


Coverage Up To


Medical Exam



Policy Application


Fees, Coverage, & Policies




Claim Support


Customer Service


Safe & Secure


  • 100% online with instant protection
  • Best prices on the market guaranteed
  • No medical records or exams required
  • Cancel your policy anytime


  • Limited riders
  • Does not cover all ages
  • Available only in Quebec and Ontario

Best For

  • Families
  • Pregnant women
  • One-stop-shop for life insurance
  • Accessing on-demand certified insurance experts


HQ7900 Pierre-Bertrand Blvd, Quebec City, Quebec G2J 0C5
PolicyTerm & Whole Life Insurance
Coverage$100,000 – $1,000,000
Term Length– Term Life Insurance: 65 years old
– Whole Life Insurance: 100 years old
Medical ExamNot required
Issue Age18 – 40 years old
Restricted ProvincesAvailable in Quebec and Ontario

In depth review on Emma Life Insurance

Emma offers an online platform to buy quality life insurance in Canada via live chat. It combines innovative technologies and insurance expertise to simplify and accelerate the life insurance purchase process. Its main goal is to protect as many families as possible.

The entire process of signing up for a policy takes only 20 minutes and doesn’t require a medical exam. It also refunds purchases within the first 15 days if you change your mind about a policy purchase. Emma offers term and whole life insurance policies in partnership with Humania Assurance. 

During the application process, you can speak with an experienced advisor to help you customize and finalize your application at your convenience. Also, it is important to note that Emma’s services are free to use.

Emma life insurance is best for

  • Families: The Emma platform is built from the ground-up, focusing on the needs and preferences of young families and mothers in mind.
  • Pregnant women: Traditionally, medical conditions such as weight gain, post-partum depression, and gestational diabetes are treated as ‘red flags’ by insurers. Since most pregnant women probably check one or more of these boxes, they are considered to have pre-existing medical conditions. Emma life insurance has changed this by not discriminating against pregnant women and making sure that they have access to the insurance they need and deserve.
  • One-stop-shop for life insurance: Emma has partnered with various top-tier insurance companies in Canada. It offers you several options to compare and contrast before selecting the best fit for you and your family. Therefore, it saves the client time that would have otherwise been spent shopping around and comparing prices for products they don’t need.
  • Accessing on-demand certified insurance experts: Emma offers experts in life insurance services every day from 9 am to 9 pm (EST) whenever you want. These experts will help, guide, and advise you to ensure your best interests are looked after.

Emma life insurance benefits

  • 100% online with instant protection: Emma life insurance offers the fastest and safest way to buy life insurance online. You don’t need to schedule a phone call, do medical exams, or wait for weeks to know if you are approved. Emma gives you instant protection as the digital policy is accessible immediately after you buy it.
  • Best price on the market guaranteed: With Emma, your price is guaranteed. It doesn’t increase while aging or if your health starts to decline. Emma will look out for your best interests and make sure that you get a policy that works best for your needs and is within your budget.
  • No medical records or exams are required: Emma doesn’t ask for medical documents, making signing up much easier. However, they do ask for simple health and general lifestyle questions to determine the eligibility of clients.
  • Cancel anytime: You can cancel your policy at any time without reason.

Emma life insurance drawbacks

  • Limited riders: Emma only offers a child rider.
  • Only available in Quebec and Ontario: Emma life insurance is only available in two provinces.
  • Does not cover all ages: The policy is limited to a certain age range. It is not available to people over the age of 40.

Policy application


Emma online platform takes 3 easy steps to sign up:

  1. Validate eligibility by completing a quick online health survey
  2. The Emma algorithm will then calculate your needs to determine the amount of life insurance you need to protect your family.
  3. Get insurance by chatting with one of the experts to complete your life insurance application from the comfort of your home.

The insurance provider will then assess your application and finalize the policy and its premiums.

Fees, coverage, and policies


Emma offers two policies:

  • Term life insurance: It provides coverage for a specific amount of time and expires at the end of the agreed-upon point. It is suitable for people who want to provide financial protection for their families during critical times.
  • Whole life insurance: This type of insurance doesn’t expire and lasts until the policy holder’s death. It is ideal for people with more complex financial situations or those who have state planning needs.

A death benefit will be paid out to beneficiaries upon the policyholder’s passing in a tax-free lump sum. The money can cover the cost of a mortgage, a car loan, or a personal loan.

You can protect your family with life insurance starting at $8 per month. The premium you will pay will depend on several things, including the type of policy you choose, your medical and general health condition, smoker status, family health history, gender, occupation, and age.

Term life premiums are paid monthly until the term expires or until the policy is renewed and switched over to the permanent policy. The average premium payable according to age is as follows:

18 – 24$12.51$17.91
25 – 29$12.51$17.91
30 – 34$13.23$17.91
35 – 39$13.95$17.91



Accelerated death benefit riderN/A
Accidental death benefit riderN/A
Child riderChild protection of up to $25,000 is offered. All your kids are automatically approved and protected. 
Critical Illness riderN/A
Cost of living adjustment (COLA) riderN/A
Disability income riderN/A
Guaranteed insurability riderN/A
Long-term care (LTC) riderN/A
Return of premium (ROP) riderN/A
Term conversion riderN/A
Waiver of premium riderN/A

Claim support 


In order for your death benefit to be paid out, your beneficiaries will need to obtain and submit your death certificate to the insurer, along with a filled claim. The insurance company will then review the claim and process it within two or four weeks, after which a payout will be made to the beneficiaries.

The payout is in a lumpsum tax-free amount. However, beneficiaries have the option of having the money deposited into an interest-accruing account with installment payments paid out regularly.

Customer service


Emma is accessible through a custom chat system, email:, and via phone: (438) 806-7227. Any questions or concerns you may have will be promptly answered by Emma. during business hours from 9 am to 9 pm EST.

Safe and secure


Emma is committed to respecting your privacy and protecting your personal information. It has a Privacy Policy in place that informs you about how it collects, uses, discloses, retains, and protects your personal information. The policy also ensures that employees manage your information with the utmost discretion and rigor, following the legal and regulatory requirements in force.

Is Emma life insurance right for you?

Emma makes it easy for students, families, and business owners to access life insurance from some of Canada’s top insurance service providers. It is 100% online, providing a quick and convenient way to compare rates among the various vendors saving clients from wasting time looking at products that are not suitable for them. 

Together with this, it provides access to experts who give clients advice via live chat. If you are looking to save time and let Emma do the work to find you affordable life insurance, then this platform will help you get the best policy at the best price.