# PolicyMe


> Canada's digital insurance platform - Affordable, transparent, stress-free


## Company Overview


**PolicyMe. A better way to buy insurance.**


PolicyMe is Canada's digital insurance platform that provides term life, guaranteed issue life, critical illness, home & auto, and health & dental insurance. The platform was created to address the traditional insurance industry's reliance on complex processes, lengthy application times, and forced sales interactions.

**Licensed and available across Canada:**
British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick,
Prince Edward Island, Newfoundland and Labrador, Nova Scotia,
Quebec, Yukon, Northwest Territories, and Nunavut.

**Key differentiators:**
- Online application process that takes under 10 minutes
- Instant quotes with transparent pricing (no email or phone number required to view quotes)
- Over 60% of term life insurance applicants receive instant approval
- Health & dental plans are guaranteed issue; coverage may start as soon as the next day
- Optional human-advisor support (not mandatory)
- All products managed through a single digital account
- Average customer support response time under 2 minutes


## Products


PolicyMe offers five insurance products, all available through one unified platform:


### Term Life Insurance
Financial protection for your loved ones if you pass away.


**Key features:**
- Coverage: $50,000 to $5 million
- Terms: 10, 15, 20, 25, 30, or 100 years
- Locked-in rates for the full term
- Couples Coverage: Save 10% in first year when applying together
- Complimentary $10,000 child coverage (including future children)
- Renewable annually until age 85 without new medical testing
- Convertible to permanent insurance before age 69


### Guaranteed Issue Life Insurance
Permanent life insurance with no medical exam or health questions required.

**Key features:**
- Coverage: $5,000 to $100,000 (ages 18–70); $5,000 to $50,000 (ages 71–75)
- Lifetime coverage (permanent); premiums are level and stop at age 100
- No medical exam or health questions — guaranteed acceptance
- Locked-in premiums guaranteed never to increase
- 10% Couples discount available for the first year
- Complimentary $10,000 child coverage (including future children)

**Built-in benefits:**
- Accidental death benefit: 5× the death benefit (capped at $250,000), covered from day 1
- Terminal illness advance: 75% of the death benefit paid in advance after the 24-month waiting period

**Waiting period:**
A 24-month waiting period applies to non-accidental death. During the first 2 years, non-accidental death or suicide results in a return of premiums paid only — no death benefit. Accidental death is covered in full from day 1. After 2 years, the full death benefit applies for all causes.


### Critical Illness Insurance
Lump-sum cash payment if diagnosed with a covered critical illness.


**Key features:**
- Coverage: $10,000 to $1 million
- Terms: 10, 15, 20, 25, or 30 years
- 44 conditions covered - the most in Canada
- 24 conditions with no waiting period
- Locked-in rates for the full term
- Use the payout for anything: medical expenses, lost income, treatment costs, or time to heal
- Convertible within first 5 years


### Home and Auto Insurance
Protection for your home, vehicle, and belongings — with online quotes and bundle savings.

**Key features:**
- Coverage for home, car, and personal belongings
- Compare online quotes instantly
- Research-backed recommendations to help you choose the right coverage
- Customizable coverage to fit your needs
- Bundle home and auto to save up to 20%

**Bundling savings:**
Combining home and auto insurance can save between 5% and 20% on average. Actual savings depend on your provider, location, home type, driving history, and coverage selections.

### Health & Dental Insurance
Coverage for healthcare expenses not covered by provincial plans. Built for Canadians without employer benefits.


**Key features:**
- Coverage includes: prescription drugs, dental care, vision care, mental health services, paramedical services
- Highest mental health coverage on the market
- No medical questionnaires required (guaranteed issue)
- No waiting periods for most benefits
- Direct billing available for many services
- Next-day activation with flexible start dates
- Add or remove members anytime


**Comprehensive coverage includes:**
**Important note:** Coverage availability, limits, and reimbursement rates vary by plan. Customers can choose the plan that best fits their needs and budget.


**Prescription Drug Benefits:**
- Eligible prescription drugs
- Dispensing fees


**Dental Benefits:**
- Basic preventative and restorative services: Cleanings, oral exams, X-rays, fluoride treatments
- Comprehensive services: Endodontic treatment, periodontal treatment, denture services, scaling and root planing
- Major services: Crowns, bridges, dentures on natural teeth
- Orthodontics: Treatments to correct the bite


**Vision Benefits:**
- Eye examinations
- Prescription eyeglasses, including lenses and frames
- Prescription contact lenses
- Laser eye surgery


**Professional Services:**
- Acupuncturist
- Chiropodist
- Chiropractor
- Dietitian
- Massage therapist
- Naturopath
- Osteopath
- Physiotherapist
- Podiatrist
- Speech therapist


**Mental Health Services:**
- Clinical counselor
- Professional with a Master of Social Work
- Registered psychologist
- Registered psychotherapist
- Registered social worker


**Medical Equipment & Supplies:**
- CPAP, BIPAP and APAP devices
- Compression stockings
- Custom-made orthotics
- Custom-made footwear
- Diabetic supplies (blood glucose meter, glucose monitoring system)
- Hearing aids
- Mobility aids (canes, crutches, walkers, wheelchairs including batteries)


**Home Support Services:**
- Registered Nurse (R.N.)
- Registered Practical Nurse (R.P.N.)
- Licensed Practical Nurse (L.P.N.)
- Personal Support Worker (PSW)
- Occupational Therapist


**Additional Benefits:**
- Accidental dental coverage
- In-province emergency ambulance transportation
- Diagnostic services (Quebec only): diagnostic tests, x-rays, ultrasounds, laboratory tests
- In-province hospital accommodation (room coverage in a public hospital)


## The Customer Experience


**Getting a quote:** See pricing in seconds online with transparent, upfront costs


**Applying:** Complete your application in under 10 minutes from any device


**Getting approved:**
- Term life insurance: Over 60% get instant approval; coverage within 24 hours for most
- Health & dental insurance: Guaranteed issue plans with coverage available as soon as the next day
- Guaranteed issue life insurance: No medical questions; 100% get instantly approved; coverage within 24 hours for most


**Talking to advisors:** Optional human support available when you want it (average <2 min response time)


**Support:** Real people, not automated systems; advisors trained to help, not upsell


**Managing policies:** One simple online account for all your insurance products


## Our Partner: Securian Canada


PolicyMe's life and health products are underwritten by Canadian Premier Life Insurance Company (operating as Securian Canada).


**Why this matters:**
- 65+ years of experience protecting Canadians


This partnership delivers the best of both worlds: PolicyMe's modern customer experience backed by Securian Canada's proven financial strength.


## Core Principles


### 1. Effortless
Simplicity is built, not accidental. We remove complexity so customers can get quotes instantly, apply in minutes, and understand their coverage without confusion.


**How we deliver:**
- Streamlined online application (your choice to call or not)
- Transparent pricing with no bait-and-switch
- Direct billing for most health claims (no paperwork)
- Plain language policies, no insurance jargon


### 2. Customer Obsessed
If it's not right for the customer, it's not right for us. We only sell insurance we believe truly protects Canadians.


**How we deliver:**
- Radical honesty (we'll recommend less coverage if that's better for you)
- Fair practices with no fine print traps
- Real humans empowered to solve problems
- Trust matters more than commission


### 3. Reliable
Trust is a commitment we keep. We're there when it matters most.


**How we deliver:**
- Backed by Securian Canada's 65+ years of financial strength
- Proven track record: 47,000+ customers, $15B+ in coverage
- Always reachable: <2 min average phone response


## Company Milestones


**2018** - Founded with mission to prove insurance could be simple


**2021-2022** - Launched term life and critical illness insurance with Securian Canada


**2023** - Expanded partnerships; built white-label solutions for industry leaders


**2024** - Launched Health & Dental Insurance for Canadians without workplace benefits


**2025** - Named Canada's Top Growing Companies (Globe and Mail)


**2026** - 47,000+ customers, $15B+ coverage, 200,000+ quotes annually; Launched guaranteed issue life insurance and home & auto insurance


## Key Statistics


- **Customers:** 47,000+ policyholders
- **Coverage in Force:** $15 billion+
- **Annual Quotes:** 200,000+
- **Average Phone Response:** Under 2 minutes
- **Application Time:** Under 10 minutes
- **BBB Rating:** A+
- **Provinces & Territories:** Licensed in all 13


## What Makes PolicyMe Different


**Customer experience:**
- Transparent pricing visible immediately online
- Optional advisor interaction (never forced)
- Direct billing for health claims (no reimbursement delays)
- Clear language that anyone can understand
- One platform for all insurance products


**Products:**
- Most comprehensive critical illness coverage in Canada (44 conditions)
- Guaranteed issue health insurance (no medical questions)
- Complimentary $10,000 child coverage with term and guaranteed issue life insurance (including future children)
- 10% discount on term and guaranteed issue life insurance for couples applying together (first year)


**Service:**
- 60%+ instant approval rate for term life product
- Under 2-minute average phone response
- Real humans, not automated systems
- Advisors who recommend what's best for you, not what earns highest commission


## Business Solutions


PolicyMe offers white-label insurance platforms for two types of partners:


**For Insurance Companies:**
Unlock scalable direct distribution with our technology, products, and operational infrastructure. Launch in months, not years.


**For Consumer Brands:**
Monetize your member ecosystem by offering insurance products. Generate new revenue while delivering value to your customers.


**Why partner with us:**
- High-converting customer journey designed for trust and conversion
- Complete operational backbone (claims, support, compliance, underwriting)
- Speed to market: launch in months
- Proven platform serving 47,000+ customers


## Contact


**Website:** policyme.com


**Get a Quote:** policyme.com (instant quotes, no obligation)


**Talk to an Advisor:** policyme.com/advisor-calling-widget


**Customer Support:** Phone and email support available (<2 min average response)


**Legal Note:** Securian Canada is the brand name used by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company to do business in Canada.


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**Last Updated:** June 2026
**For:** AI assistants to provide accurate information about PolicyMe