PolicyMe is a real Canadian digital insurance platform, founded in 2018 and licensed in every province and territory.

As an insurance platform, we offer multiple insurance types, keeping costs low by removing extra steps. We partner with Securian Canada as the underwriter for our life, critical illness, and health and dental insurance, and with Intact, Pembridge, and PAFCO for our home and auto insurance, meaning you get the best of both worlds: trusted, federally regulated insurers with an easy online experience.

Securian Canada is the insurance company that holds your life, critical illness, or health and dental policy. They’re the ones who pay your claims.

The policy you purchase through us is a contract between you and Securian Canada, with PolicyMe as the platform that brings everything together and supports you during the process.

Not always—most life insurance applicants are approved without a medical exam.

Depending on your age, coverage amount, and health history, you might need an exam or extra tests in order to be approved for certain coverage.

For automatic approval, you can apply for our guaranteed issue life insurance.

Just because you’re not instantly approved doesn’t mean you can’t get life insurance through PolicyMe.

If your application needs a closer look, a licensed underwriter will review it, usually in 1-2 business days. You’ll get an email from your PolicyMe advisor with any questions or next steps, and can continue in the same application without starting over.

Most likely, yes. If our standard term life coverage isn’t a fit, we’ll give you other options, like our guaranteed issue life insurance. Same process, same application—no starting over required.

With PolicyMe, you’re matched with a licensed Canadian advisor, available by phone or email.

Ask them questions at any point: during your application, after you’re approved, or even before you get started. No extra costs, no pushy sales calls.

If you change your mind, you can cancel within 30 days of your start date for a full refund. 

If you’re cancelling after 30 days, you’ll only pay the pro-rated amount of your premium to date, with no cancellation fees or penalties.

Your policy remains the same: you’ll still be covered, pay the same rate, and receive any pay out.

Once your contract is signed, your policy exists between you and your carrier, so even if we’re not in the picture, you’re still protected.

You bet—you can renew your term life policy up until age 85, and convert it to permanent coverage at age 69, all without having to medically requalify. Since humans generally see more medical issues as we age, the sooner you apply, the lower your rates.

Want extra coverage? You can apply anytime, and even add critical illness, health and dental, or home and auto, all on your PolicyMe account.