PolicyMe review
Updated September 30, 2026 · AssureCue Editorial Team · Facts checked September 30, 2026
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Our verdict
PolicyMe suits households seeking life led cover with health plus dental and home plus auto broad options in a broker model. Premiums start at CAD 12 with clear monthly billing offered and term life limits reach Up to $5,000,000 for eligible applicants within 18-75.
Key facts
- Best for
- Life led protection with monthly billing and broad household lines
- Premium from
- CA$12 (Source, checked September 30, 2026)
- Insurance types
- Life, Health, Dental, Home, Auto, Critical-illness (Source, checked September 30, 2026)
- Provider type
- Broker (Source, checked September 30, 2026)
- Monthly payments
- Yes (Source, checked September 30, 2026)
- Cover limit
- Up to $5,000,000 (Source, checked September 30, 2026)
- Claims channels
- Online, Phone, Email (Source, checked September 30, 2026)
- Age range
- 18-75 (Source, checked September 30, 2026)
- Legal entity
- PolicyMe Corp. (Source, checked September 30, 2026)
- Headquarters
- Canada (Source, checked September 30, 2026)
- Founded
- 2018 (Source, checked September 30, 2026)
- Support channels
- Email, Phone (Source, checked September 30, 2026)
- Pricing model
- Monthly
- Official website
- policyme.com
Apps and profiles
Pros and cons
Pros
- Term life limits reach Up to $5,000,000 within 18-75, supporting higher family protection goals.
- Choice spans life, health and dental across life plus health plus dental plus home plus auto plus critical illness.
- Entry premiums start at CAD 12 with monthly billing offered for steady budgeting.
- Broker model broker holds licences 36783M and 3002916818 for clear oversight.
Cons
- Support runs on email and phone only, which limits choice for chat led shoppers versus wider help centre models.
- Cover centres on life, health and dental, so travel or pet shoppers may prefer LV= which lists travel plus pet cover.
- Term life applies within 18-75, which excludes applicants outside that band from that line.
Who it suits
- Families wanting life led cover at Up to $5,000,000 within 18-75 with monthly billing offered.
- Households grouping health plus dental plus home plus auto from life, health and dental with broker help under broker.
- Budget planners starting at CAD 12 who prefer Allianz Malaysia only for wider leisure lines.
Who should look elsewhere
- Travel plus pet shoppers who may prefer LV= for pet and travel lines missing from PolicyMe lists of life, health and dental.
- Motor plus landlord shoppers who may prefer Allianz Malaysia for added landlord plus motorcycle depth in auto, motorcycle and home.
How your money is protected
PolicyMe operates as a broker under broker, which shapes how protection works for shoppers. Advice plus placement sits with the intermediary while risk capital sits with partner carriers, so clarity over roles matters at claim time. Licensed brokerage status is shown by 36783M alongside 3002916818, giving shoppers traceable identifiers to check on public registers. Those markers help households confirm standing before sharing medical or financial details. For readers weighing safety of arrangements, broker oversight plus named licences offers a clear path for queries plus complaints plus redress through relevant channels.
Cover and limits
PolicyMe lists life, health and dental across life plus health plus dental plus home plus auto plus critical illness, which allows households to group core personal lines in a single place. Term life limits reach Up to $5,000,000, giving scope for income replacement plus mortgage protection plus future planning for dependants. Eligibility for term life sits within 18-75, so applicants can see at a glance if age fits that line before starting an application. Health plus dental plus critical illness options extend planning beyond mortality risk toward treatment costs plus recovery needs. Home plus auto lines add property plus liability depth for owners plus drivers seeking joined up household cover.
Price signals
PolicyMe lists entry premiums at CAD 12, which gives shoppers a starting signal when grouping life plus health plus household lines. Monthly billing is offered, which spreads outgo across pay cycles and avoids large annual debits at renewal. That structure helps families align protection with wages plus rent plus childcare plus other regular costs. Quotes still move with age plus health plus sum insured plus term length, so entry signals do not replace tailored pricing. For budget planning, the mix of low entry marker plus monthly choice keeps options open for starters as well as for larger households scaling cover over time.
Who regulates the provider
PolicyMe acts as a broker under broker, with brokerage licences that define how advice plus distribution must meet local conduct standards. Licence 36783M relates to FSRA oversight while licence 3002916818 relates to AMF oversight, together covering relevant activity in Canada. Shoppers can use those identifiers to confirm current standing plus scope on official registers before applying. Broker regulation focuses on suitability plus disclosure plus handling of client funds plus complaints, which matters for long term lines such as life cover. Keeping licence details alongside policy documents helps families raise queries with the right body if service issues arise.
The company behind it
The legal entity behind the brand is PolicyMe Corp. shown as PolicyMe Corp., which provides the accountable name for contracts plus notices plus complaints. Home base is shown as CA, placing operations plus oversight within Canadian frameworks for local shoppers. Roots trace to 2018, giving context on market tenure for readers comparing long established carriers with newer intermediaries. Day to day help runs on email and phone, covering written plus voice routes for quotes plus servicing plus claims guidance. Licensed standing is further shown by 36783M alongside 3002916818, so shoppers can link company identity with regulatory markers in a single check.
How PolicyMe compares
8.8 vs 8.6
8.8 vs 9.4
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8.8 vs 9.3Max Life Insurance
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Where PolicyMe is available
- Available
- Canada
- Licence in Canada
- FSRA (36783M), checked September 30, 2026
- Licence in Canada
- AMF (3002916818), checked September 30, 2026
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What does PolicyMe cost at entry?+
PolicyMe lists entry premiums at CAD 12 for shoppers comparing starting signals. Monthly billing is offered, which spreads cost across the year rather than asking for full annual payment at renewal. Exact quotes vary by age plus health plus cover amount.
Is PolicyMe a broker or an insurer?+
PolicyMe acts as a broker under broker rather than as a direct risk carrier. That means advice plus placement sits with PolicyMe Corp. while underwriting sits with partner carriers. Licensed status is shown by 36783M and 3002916818 for oversight.
Which cover lines does PolicyMe offer?+
PolicyMe lists life, health and dental across life plus health plus dental plus home plus auto plus critical illness. Term life limits reach Up to $5,000,000, which supports higher protection needs for families with mortgages or income replacement goals. Eligibility for term life sits within 18-75.
Who regulates PolicyMe?+
PolicyMe holds licence 36783M with FSRA and licence 3002916818 with AMF in Canada. Those licences allow brokerage activity under local conduct rules. Shoppers can note PolicyMe Corp. as legal entity alongside PolicyMe Corp. when checking registers.
How do claims work with PolicyMe?+
Claims move through online, phone and email, which gives digital plus voice plus written routes for families or executors. Keeping policy documents plus medical notes plus contact details ready helps avoid delays. Support for general queries runs on email and phone for non claims help.
Who suits PolicyMe most?+
PolicyMe suits households wanting life led planning with health plus dental alongside home plus auto lines in life, health and dental. Monthly billing is offered, which helps budgeting across payday cycles. Shoppers wanting travel or pet cover may prefer LV= given its broader leisure lines.
Which company stands behind PolicyMe?+
PolicyMe Corp. operates as PolicyMe Corp. from CA and traces roots to 2018. Support runs on email and phone for service plus advice queries. Licensed brokerage status is reflected in 36783M and 3002916818 for local oversight.
Sources
- policyme.com checked September 30, 2026
Backs: Headquarters, Insurance types, Legal entity, Pricing model, Monthly payments, Premium from, Support channels, Licences
“PolicyMe headquarters are located at 199 Bay Street, Suite 4000, Toronto, ON”
- policyme.com/about-us checked September 30, 2026
Backs: Provider type, Founded
“We're the broker - Home and Auto - We're a licensed brokerage”
- policyme.com/make-a-claim checked September 30, 2026
Backs: Claims channels
“Call us at 1-866-999-7457 - Email us at servicing@policyme.com - Log in to your PolicyMe account”
- policyme.com/term-life-insurance-policy-details checked September 30, 2026
Backs: Age range, Cover limit
“You can apply if you're between 18 and 75 years old”
Compiled from 4 source pages, checked September 30, 2026. We did not open an account.