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Select the protection you need—term life, critical illness, or health & dental.
PolicyMe. A better way to buy insurance.
We’re redefining insurance by cutting down barriers to help Canadians access the protection they need through a simple, frictionless buying journey backed by trusted human experts. With smart technology merged with unwavering humanity, we’re the future-ready insurance platform Canadians need.
Who we are
For decades, the insurance industry has been overdue for change, stuck in systems that are unnecessarily complicated and painfully slow. We knew Canadians deserved something better: an efficient and transparent insurance experience that gives consumers ownership of their financial lives. But that experience simply did not exist.
So we built it.
PolicyMe is Canada's digital insurance platform, built with one core principle in mind: to make buying financial protection simple, transparent, and stress-free.
We've re-designed the entire customer journey from start to finish.
01
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Getting your quote
See your quote in seconds—transparent pricing with no surprises.
03
Applying online & getting approved
Apply in ~5–10 minutes. Get covered in under 24 hours, with instant approval for 60% of customers.
04
Talking to advisors
Human experts on call when you need them.
05
Managing your policy
One simple account to view, update, and manage everything.
Our journey: Reshaping insurance in 7 years
PolicyMe launched in 2018 with one mission: prove that insurance could be simple. Here's how our journey has gone so far.
We started with a simple question: What if insurance prioritized customers instead of commissions? Then, we built algorithms that saved money, hired advisors who listened, and wrote policies so clear they made sense to people without an insurance license. We proved that insurance doesn't have to be complicated.
True value for customers meant reimagining the entire insurance experience. Together with Securian Canada, we launched our own suite of straightforward, future-ready insurance products—term life insurance to protect financial futures and critical illness insurance to support Canadians through medical crises. We took control of the full experience because we refused to compromise on what Canadians deserve.
We built white-label solutions and partnered with industry leaders. Our message was simple: the entire industry can evolve. When you raise the bar, everyone benefits.
We built health plans for Canadians without employer-provided workplace benefits. Our health insurance products are built on one basic belief: everyone deserves affordable, quality healthcare coverage.
20,000+ customers. $10B+ in coverage. 200,000+ quotes per year—and counting. We've proven there's massive demand for insurance that's intuitive, transparent, and genuinely human-centered. This is only the beginning.
How we deliver our mission
We believe that insurance should be effortless, customer-obsessed, and reliable. These three principles are the foundation of everything we build. They guide how we design products, train our team, and show up for customers every single day.
Simplicity doesn’t happen. It’s built.
We believe taking insurance seriously shouldn’t mean spending hours studying complicated terms, comparing prices, or scheduling calls. Creating an effortless experience requires rigor: removing what doesn’t serve the customer, making hard tradeoffs, and taking responsibility for complexity ourselves. When people are empowered to understand and control their insurance, the process becomes clear and effortless.
How we do it:
- Streamlined application you control.
Get all the information online, submit your application, and get your decision instantly—no phone calls required. But if you want to talk to someone? We’re here. Your choice, always. - Upfront pricing, no games.
No bait-and-switch. No forced calls with advisors. See your quote immediately and decide on your terms. - Direct billing.
No paperwork. No reimbursement delays. Most of the claims are paid directly to the provider. - We speak human, not insurance.
We avoid unnecessary jargon and industry-focused language. If it’s confusing, we rewrite it until it’s not.
If it's not right for the customer, it's not right for us.
From product design to phone calls with advisors, we’ve got customers in mind in everything we do. We only sell the insurance that we truly believe gives Canadians the best financial protection, and we won’t upsell to make an extra commission.
How we do it:
- Radical honesty.
We'll advise less coverage if that's what protects the customer best. Their trust matters more than our commission. - Fairness that raises the bar.
We eliminate fine print traps and outdated fees like NSF charges. We share these standards with partners across the industry. - Real humans, real solutions.
Customers always reach a person who can say, "Let's solve this together."
Trust isn’t a risk we take. It’s a commitment we keep.
Reliability means being there when it matters most—with real answers, real people, and real accountability.
How we do it:
- Backed by strength and experience.
We're backed by Securian Canada, a company with over 65 years of financial expertise and stability. - Proven track record.
Over 20,000 Canadians trust us with their protection across all products. We’ve earned an A+ Better Business Bureau rating and been recognized as one of Canada’s Top Growing Companies of 2025 by the Globe and Mail. - Always reachable.
Our average phone response time is under 2 minutes. When customers call, they reach a real person who can help—not an automated maze.
Protection for every stage of life
No matter what type of coverage you need—life, critical illness, or health & dental—you get the same PolicyMe experience:
- One platform to purchase and manage all your insurance products
- One team that knows your full picture and treats you as a person, not a policy number
- One commitment to making insurance effortless, transparent, and genuinely customer-first
PolicyMe Term Life Insurance
Financial protection for your loved ones if you were to pass away
- Coverage amounts from $50,000 to $5 million
- Rates are locked in for the full term
- Term lengths include 10, 15, 20, 25, 30 or 100 years
- Couples Coverage: Save 10% off your rates in the first year when you apply with your partner
- Child Coverage: Get $10,000 in complimentary life insurance for each of your kids (or future ones!)
- Option to renew your policy annually until you turn 85, without any additional medical testing or questions required
- Future flexibility: extend your coverage within 5 years or convert to permanent insurance anytime before age 69
PolicyMe Health and Dental Insurance
Covers the expenses not covered by provincial healthcare.
• Plans include benefits you care about, such as prescription drugs, dental care, vision care, mental health services and more
• No medical questionnaires required—all plans are guaranteed issue
• No waiting periods for most benefits
• A simple online process with instant approvals
• Easy, next day activation online (or pick your start date)
• Direct billing available for many services
• Flexible plans let you add or remove members, or cancel anytime
PolicyMe Critical Illness Insurance
Financial support if you're diagnosed with one of the covered conditions
• Coverage amounts ranging from $10,000 to $1 million
• Term lengths ranging from 10, 15, 20, 25 or 30 years
• 44 conditions covered—the most covered in Canada
• 24 out of 44 conditions do not have waiting periods
• The payout is yours to use: medical expenses, lost paycheques, or simply time to heal
• Rates are locked-in for the full term
• Option to convert your policy to a new policy with a longer duration within the first 5 years
Don't just take our word for it
Not interested in our glowing reviews? Read the 1-and-2 star reviews that we’ve worked to make better. (See, we told you we were honest.)
As featured in:
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Partner Solutions: Scale digital insurance in months
We help insurance companies unlock direct distribution and brands monetize their member ecosystem through our white-labeled digital insurance platform.
for insurance companies
for insurance companiesUnlock scalable direct distribution
Our white-label platform lets you reach customers online without the legacy friction. You maintain the customer relationship and brand; we provide the technology, products, and operations.
for consumer brands
for consumer brandsMonetize your member ecosystem
Offer insurance products to your customers, generating new revenue while delivering genuine value.
Ready to protect what matters?
We’ve built a better way for Canadians to buy life, health, and critical illness insurance—with no pushy salespeople, no confusion, and no unnecessary delays. Just straightforward protection from a team that truly cares.
FAQ: PolicyMe insurance
We're big believers in keeping things simple, so ask us anything and we'll answer honestly and without the jargon.
We protect Canadian families with insurance. We’ve used technology to streamline the insurance application process and help Canadian families get personalized advice. By doing so, we've cut out inefficiencies in the process and cut down costs. This makes our insurance policies 5-10% lower on average than the market in cost.
We've partnered with Securian Canada, a federally-regulated and wholly-owned subsidiary of Securian Financial - one of North America's most reputable insurance companies.
In other words: rest easy. We’ll get you covered today, then give you long-term peace of mind knowing that your life insurance claims will get paid.
For full transparency, we take a fixed percentage from each policy, just like any other insurance company. This goes towards marketing, underwriting, and administration costs, while also allowing us to make some profit.
What makes us different is we've cut down on so many inefficiencies in the process that we can still pass on lots of savings to you!
It’s our promise to you that if the worst happens, we’re here for you and your loved ones, every step of the way.
Your dedicated PolicyMe claims concierge works with you or your beneficiary to walk through the required documentation and process. This can be done by Zoom or phone.
Your claim is then submitted to our partner, Securian Canada, who reviews the case. We provide support if any follow-ups are required.
We notify you or your beneficiaries when the claim is approved. The claim is made as a tax-free, lump-sum payment paid by e-transfer or cheque.
We’re a no-obligation kind of company. Cancel at any time without penalty. But we hope that doesn’t happen. We’d really miss you!
PolicyMe’s main offerings are term life insurance, critical illness insurance and health and dental insurance.
Term life insurance is a type of life insurance policy that covers your life for a temporary period, for example, while you’re paying off the mortgage. It is generally the most affordable kind of life insurance you can get, making it a great choice for families with young kids.
Critical illness insurance is a type of insurance coverage that covers you in the event that you become critically ill – like if you have a heart attack, a stroke, or get diagnosed with cancer. PolicyMe’s critical illness insurance also covers a wide range of early-stage conditions, too. This type of insurance is meant to help you cover medical expenses and allow you some time off to recover.
Health and dental insurance is a type of insurance coverage that helps to reduce and protect you and your family against out-of-pocket healthcare costs not covered by government plans or work-provided benefits. It covers things like prescription drugs, dental services, vision care, registered therapists, mental health services and more.
PolicyMe’s competitors include traditional life insurance providers like RBC, Manulife, Sun Life, and Canada Life and newer digital insurers like Emma or Cover Direct.
What sets PolicyMe apart is our streamlined, tech-driven process, which aims to make buying insurance simpler, faster, and more affordable. While our competitors also provide quality coverage, PolicyMe focuses on reducing steps and lowering costs, ensuring that families get the protection they need without unnecessary complications or expenses. Our transparent and customer-centric approach is designed to empower and inform our clients.
Our advice for comparing PolicyMe to other companies: make sure you’re comparing apples-to-apples. For example, ensure that the policy specifications are the same (i.e. 20-year term, $500K in coverage, child coverage, etc.).