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PolicyMe: the better way to buy insurance
We’re redefining insurance and helping Canadians access the financial protection they need with a simple, frictionless buying journey backed by trusted human experts.
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 buying experience that gave consumers ownership of their financial futures. But the experience simply didn’t exist.
So, we built it.
PolicyMe is Canada's most streamlined digital insurance platform, created with one core principle in mind: to make buying insurance simple, transparent, and stress-free.
We've re-designed the entire customer journey from start to finish.
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Get your quote
See your online quote in minutes—transparent pricing with no surprises.
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Apply online
Apply and find your perfect coverage in as little as 15 minutes.
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Speak to an advisor
Call on our licensed advisors when you need them.
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Manage your coverage online
View, update, and manage your policies–all in one account.
Meet our life and health partner: Securian Canada
Our partnership brings Canadians the best of both worlds: a modern, frustration-free customer experience powered by PolicyMe, backed by Securian Canada's proven financial strength and insurance expertise.
Over 70 years of experience
Founded in 1955, Securian Canada partnered with PolicyMe in 2021 to bring practical, life-ready insurance products to Canadians.
Over 3 million Canadians protected
As of 2025, PolicyMe has sold 30,000+ policies in partnership with Securian Canada.
900,000 claims paid in 2024
Securian Canada paid out $372 million in total benefits in 2024.
Rated A (Excellent) by A.M. Best
Securian Canada’s underwriting company, Canadian Premier Life Insurance Company, is rated A (Excellent) by A.M. Best.
Over 140 years of financial strength
As of 2024, Securian Financial Group has been rated A or higher by A.M. Best for 75 years, and currently holds an A+ rating.
See for yourself
Meet our latest launch: home and auto
PolicyMe brokers auto and home insurance products designed, underwritten, and administered by multiple leading carriers. Our trusted partners deliver comprehensive protection for your home and vehicle, supported by PolicyMe’s seamless digital platform and qualified team of licensed advisors.
We saw a dilemma in Canada’s home and auto insurance industry
Consumers could either get real quotes from one insurance company or ballpark pricing from multiple companies, but not both.
So we fixed it
By forging partnerships and leveraging our advanced digital platform, we created a way for customers to get real online quotes from multiple insurance carriers at once.
Launching in Ontario in 2026
Now you can get an actual quote in minutes, customize your coverage and see price updates in real time, and apply online.
Our journey: reshaping insurance in 8 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.
We partnered with trusted carriers to broker a car and home insurance experience like no other. Our home and auto coverage aims to bring the PolicyMe difference—simplicity, clarity, and outstanding service—to Canada’s most notorious insurance markets.
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:
- Clarity. We avoid unnecessary jargon and insider terms when describing our products and our coverage. Get all the information you need and a quote upfront, so you can make an informed decision.
- Control. No unnecessary phone calls and no sales pressure–you can submit an application online and get an instant decision. And if you need to talk to someone? We’re here.
- Effortless. Our website makes it easy to apply for coverage, and even easier to manage it. Receive your policy documents immediately and make a claim, change your coverage, or manage your payments online.
If it's not right for the customer, it's not right for us.
From product design to data security, we put the customer first in everything we do. We only sell the insurance that we truly believe makes a difference, and we strive to be a business we wouldn’t hesitate to recommend to our own friends and families.
How we do it:
- Real humans. If you have a question, comment, or concern, you’ll always be able to reach a qualified insurance advisor who can say, "Let's solve this together."
- Radical honesty. Our advisors will recommend less coverage or a cheaper plan if it suits your insurance needs better. Your trust matters more than a commission.
- High standards. We design our products to offer competitive coverage and pricing, and hold ourselves to high standards for employee conduct, customer satisfaction, corporate transparency, and data protection
Trust isn’t a risk, it’s a commitment.
Reliability means being there when it matters most—with real answers, real people, and real accountability.
How we do it:
- Always available. When customers call, they reach a real person who can help, not an automated maze.
- Picky about our partners. We only partner with companies that offer our customers genuine value and that hold standards just as high as ours
- Proven track record. Across all our products, over 50,000 Canadians have trusted PolicyMe with their health and protection. We’ve earned an A+ from the Better Business Bureau and been recognized as one of Canada’s Top Growing Companies of 2025 by the Globe and Mail.
Protection for every stage of life
No matter what type of coverage you need—life, critical illness, health & dental or home & auto—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 Home and Auto Insurance
Real, customizable quotes for your home and vehicle.
- All the coverage you need to feel secure in your home or hit the road, plus optional add-ons
- Apply online in 10 minutes or less
- Compare real quotes from multiple insurers in minutes
- See coverage recommendations tailored to your profile, no research required
- Customize your coverage and get instant price updates
- Bundle your policies and save
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:
These companies trust us
These companies trust us
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.
Partner solutions: scale digital insurance in months
Unlock direct distribution or add insurance to your product offerings with an effective direct-to-consumer digital platform. Our white-label growth engine operates at the national level with a proven track record of high conversions, low operating requirements, and ever-improving acquisition intelligence.
Why partner with us
Canada’s only fully underwritten, national digital life and health platform
PolicyMe is the default partner for institutions seeking modern digital distribution, offering unmatched automation, conversion, product breadth, and speed.
Efficient operational backbone
Claims, support, compliance, underwriting—we handle it all so you don’t have to. Using AI automation, workflow optimization, and a crystal-clear customer journey, we support thousands of applications per month per brand with small advisor teams.
High-converting customer journeys
Our modular, end-to-end insurance stack provides a polished customer experience from start to finish, designed to maximize trust and conversion. Our partners enjoy 3–5 times higher conversion rates compared to prior digital and advisor-led solutions.
Monetized member ecosystems
Build on your brand by offering insurance products to existing customers, and generate new revenue and increased trust while delivering genuine value.
Speed (and confidence) to market
Launch in months, not years; test new revenue streams quickly; and scale rapidly with PolicyMe’s credible, integrated roadmap.
Unique intelligence
PolicyMe’s platform is built atop a strong, scalable data infrastructure, enabling clean analysis, effective optimization, and the opportunity to deploy AI and predictive models.
FAQ: PolicyMe insurance
We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly.
PolicyMe is a licensed insurance distributor offering life, health and dental, home, auto, and critical illness insurance. Regardless of the product, you’ll experience the PolicyMe difference—clear language, streamlined applications, and the attention of a team dedicated to making insurance better.
Like other insurance companies, we profit from every policy we sell. These earnings fund the design, administration, underwriting, and marketing of our products, as well as our amazing team.
Unlike other insurance companies, we’re digital-first and built from the ground up to reduce inefficiencies, unnecessary costs, and unclear language. We don’t struggle to adapt or incorporate new technology–we lead with it.
Policy claims are paid by their respective carriers, but we’ll support you every step of the way. Our licensed team of insurance advisors are available from Monday to Friday, 9AM-5PM EST, and ready to support you and your family when you need them. Visit our claims page to learn how to make a claim.
PolicyMe’s life and health insurance policies are backed by Canadian Premier Life Insurance Company, operating under the name Securian Canada, a federally-regulated subsidiary of Securian Financial. Securian Canada and Securian Financial hold a financial strength rating of A (Excellent) or higher from A.M. Best, and Canadian Premier is a registered member of Assuris, a non-profit provider of insolvency protection to life insurance companies.