Emma Insurance Documentation

French-language insurance product documentation from major Canadian insurers, structured in markdown format with machine-readable metadata.

Overview

This repository contains comprehensive insurance product documentation covering life insurance, disability insurance, critical illness coverage, and related products from leading Canadian insurance companies. All documents are in French (fr-CA) and structured for easy parsing and retrieval.

Repository Structure

Produits - Assurance - Docs - French/
├── Assomption/          # Assomption Vie
├── Emma/                # Emma Services Financiers
├── Empire/              # L'Empire, Compagnie d'Assurance-Vie
├── Humania/             # Humania Assurance
├── iA/                  # iA Groupe financier
├── PPC/                 # Plan de Protection du Canada (PPC)
├── RBC/                 # RBC Assurances
└── UV/                  # UV Assurance (L'Union-Vie)

File Naming Convention

All documentation files follow a consistent naming structure for easy identification and organization:

Structure

[company]-[language]-[document-description].pdf.md

Example Breakdown

Using emma-fr-guide-de-tarification.pdf.md as an example:

Segment	Value	Description
Company	emma	Emma Services Financiers
Language	fr	French (fr-CA)
Document Type	guide-de-tarification	Underwriting Guide
Extension	.pdf.md	Markdown format (converted from PDF)

Common Company Prefixes

• assomption - Assomption Vie
• emma - Emma Services Financiers
• empire - L'Empire, Compagnie d'Assurance-Vie
• humania - Humania Assurance
• ia - iA Groupe financier
• ppc - Plan de Protection du Canada
• rbc - RBC Assurances
• uv - UV Assurance (L'Union-Vie)

Insurance Companies

Company	Products	Document Count
Assomption Vie	Simplified life insurance (4 tiers)	4 docs
Emma	Life, child rider, disability, critical illness	3 docs
Empire Vie	Life, critical illness, preferred ratings	5 docs
iA Financial	Life, disability, underwriting guides	5 docs
PPC	Simplified issue life insurance	1 doc
RBC	Disability insurance (multiple series)	5 docs
UV Assurance	Life, term, permanent, riders	14 docs

Document Types

• Underwriting Guides (underwriting_guide) - Risk assessment criteria
• Product Guides (product_guide) - Product features and benefits
• Rate Guides (rate_guide) - Premium calculations and tables
• Application Forms (application_form) - Data collection forms
• Quick Reference (quick_reference_guide) - Eligibility matrices
• Policy Specimens (specimen_contract) - Sample contracts
• Technical Guides (technical_product_guide) - Product specifications

Document Format

All documents follow a consistent structure:

YAML Frontmatter

document_id: unique-identifier
document_type: type_classification
insurer: company_information
product: product_details
coverage: limits_and_ranges
tags: searchable_keywords
features: machine_readable_flags

Content Sections

• Structured markdown with headers
• Tables for data presentation
• Embedded JSON for machine-readable data
• Cross-references and internal links
• Glossaries and definitions

Documentation Files

Below is a comprehensive list of all documentation files organized by insurance company, with brief descriptions of their content and purpose.

Assomption

Filename	Description
assomption-fr-formulaire-assurance-vie-simplifiee.pdf.md	Data collection form for simplified life insurance applications with medical and non-medical questionnaires.
assomption-fr-guide-assurance-vie-simplifiee.pdf.md	Quick reference guide showing eligibility criteria for 4-tier simplified life insurance products (Platine, Or, Argent, Bronze).
assomption-fr-guide-de-tarification-feuillet.pdf.md	Marketing flyer highlighting simplified life insurance solutions with immediate coverage and medical condition acceptability.
assomption-fr-guide-de-tarification-questions.pdf.md	Medical questionnaire guide listing specific questions for each life insurance product across the portfolio.
assomption-fr-guide-de-tarification.pdf.md	Complete underwriting guide covering medical and non-medical risks, height/weight tables, and underwriting decisions.

Emma

Filename	Description
emma-fr-guide-de-tarification.pdf.md	Underwriting and preselection guide for Emma life insurance products with detailed medical conditions and risk assessment criteria.
emma-fr-sommaire-produit-assurance-vie.pdf.md	Product summary detailing Emma T100 and term life insurance, plus riders for dependents, cancer, and disability coverage.
emma-fr-specimen-de-contrat.pdf.md	Specimen insurance contract showing policy terms, definitions, guarantees, and general provisions for Emma life insurance products.

Empire

Filename	Description
empire-fr-guide-de-tarification-elite-privilégie.pdf.md	Pricing guide for Elite and Privilégié preferred rating categories with health and lifestyle qualification criteria.
empire-fr-guide-de-tarification-exigences-d-appreciation-des-risques.pdf.md	Risk assessment requirements guide showing medical exam and test requirements by age and coverage amount.
empire-fr-guide-de-tarification.pdf.md	Comprehensive underwriting guide for life and critical illness insurance covering medical and non-medical risk factors.
empire-fr-personnes-immigrantes-guide.pdf.md	Immigration guidelines for newcomers to Canada with coverage limits and requirements by immigration status.
empire-fr-tarification-privilegiee-guide.pdf.md	Preferred rating guide for Solution Series term life products with elite and preferred tier qualification criteria.

Humania

Filename	Description
humania-fr-guide-preselection-assurance-salaire-accident-maladie-invalidite.pdf.md	Preselection guide for disability insurance covering medical conditions, occupations, and eligibility criteria.
humania-fr-guide-produit-assurance-salaire-accident-maladie-invalidite.pdf.md	Product guide for salary insurance detailing total and partial disability benefits, plans, and riders.
humania-fr-product-guide-assem.pdf.md	ASSEM product guide for no medical exam life insurance with simplified issue process covering life, critical illness, and disability.

iA

Filename	Description
ia-fr-acces-vie-guide-de-tarification.pdf.md	Accès Vie simplified life insurance underwriting guide with medical condition eligibility and step-by-step process.
ia-fr-acces-vie-questionnaire-de-prequalification.pdf.md	Prequalification questionnaire for Accès Vie with 3-step eligibility process for deferred and immediate coverage.
ia-fr-exigences-medicales-assurance-vie-et-assurance-invalidite.pdf.md	Medical requirements matrix showing exam and test requirements by age and coverage amount for life and disability insurance.
ia-fr-guide-de-tarification-assurance-vie-et-maladies-graves.pdf.md	Comprehensive underwriting guide for life and critical illness insurance with medical, non-medical, and financial risk assessment.
ia-fr-tarification-financiere-assurance-vie.pdf.md	Financial underwriting guidelines for personal and business life insurance with income verification requirements.

PPC

Filename	Description
ppc-fr-cpp-guide-produits-tarification-assurance-vie.pdf.md	Product and pricing guide for Plan de Protection du Canada simplified life insurance with 6 product tiers and eligibility criteria.

RBC

Filename	Description
rbc-fr-assurance-salaire-invalidite-fondamentale-series-exemple-police-contrat.pdf.md	Policy specimen for Fundamental Series disability insurance detailing coverage terms, definitions, and benefit calculations.
rbc-fr-assurance-salaire-invalidite-series-tradition.pdf.md	Comprehensive underwriting guide for Traditional Series disability insurance covering medical and financial risk assessment.
rbc-fr-assurance-salaire-invalidite-simplifiee-exemple-police-contrat.pdf.md	Policy specimen for Simplified Disability Insurance showing contract terms, benefits, exclusions, and renewal provisions.
rbc-fr-directives-tarification-assurance-invalidite-maladies-graves.pdf.md	Underwriting manual for disability and critical illness insurance covering proposal guidelines, medical requirements, and policy delivery.
rbc-fr-guide-de-taux-assurance-invalidite-serie-fondamentale.pdf.md	Rate guide for Fundamental Series disability insurance with premium tables by age, occupation, and benefit period.

UV

Filename	Description
uv-fr-assurance-fiche-technique-types-emissions.pdf.md	Technical guide explaining different issue types (Express, Immediate, Regular) for UV life insurance products.
uv-fr-assurance-individuelle-avenant-assurance-dette-guide-pratique.pdf.md	Practical guide for debt insurance rider covering eligibility, disability definitions, and benefit calculations.
uv-fr-assurance-individuelle-exigences-admissibilite.pdf.md	Eligibility requirements matrix showing medical requirements by age and coverage amount for all UV life insurance products.
uv-fr-assurance-protection-eveil-complementaire-enfant-gratuit.pdf.md	L'Éveil child protection guide offering free 12-month coverage for children with accident benefits and medical expense reimbursement.
uv-fr-assurance-sommaire-des-protections-complementaires.pdf.md	Summary of supplementary protections and riders including debt insurance, child coverage, premium waiver, and critical illness.
uv-fr-assurance-vie-entiere-20-paiements-valeurs-elevees.pdf.md	Whole life insurance guide for 20-payment high-value product with cash value accumulation and policy loan options.
uv-fr-assurance-vie-guide-selection-des-risques-tarification.pdf.md	Risk selection and underwriting guide for life insurance covering medical conditions, height/weight tables, and rating decisions.
uv-fr-assurance-vie-individuelle-et-maladies-graves-proposition.pdf.md	Individual life and critical illness insurance application form with personal information, medical questions, and advisor report.
uv-fr-assurance-vie-permanente-adaptable-guide.pdf.md	L'Adaptable permanent life insurance guide featuring two-chapter structure, flexible payment options, and guaranteed future insurability.
uv-fr-assurance-vie-simplifiee-immediate-secrets.pdf.md	Secrets guide for immediate simplified issue life insurance explaining premium calculations and medical condition acceptability.
uv-fr-assurance-vie-temporaire-superieur-plus.pdf.md	Superior+ term life insurance guide covering T-10 through T-30 products with renewal, exchange, and conversion rights.
uv-fr-emission-simplifiee-aide-memoire-pour-les-16-a-80-ans.pdf.md	Simplified issue cheat sheet for ages 16-80 showing medical conditions, eligibility criteria, and height/weight tables.
uv-fr-questionnaire-d-admissibilite-emission-simplifiee-immediate.pdf.md	Eligibility questionnaire for immediate simplified issue term life insurance with medical and lifestyle questions.
uv-fr-questionnaire-d-admissibilite-emission-simplifiee.pdf.md	Eligibility questionnaire for Express simplified issue covering permanent and term life products with medical screening questions.

Usage

Via MCP Server (Recommended)

Access this documentation through our MCP server:

• Endpoint: https://emma-insurance-docs-production.up.railway.app/mcp
• Available Tools:
  • search_docs - Semantic search across all documentation
  • list_libraries - List all available insurance providers
  • fetch_documentation - Retrieve specific documents

Search by Company

Navigate to the company folder (e.g., Assomption/, Emma/, RBC/, UV/)

Search by Product Type

Use tags in frontmatter:

• assurance-vie - Life insurance
• assurance-invalidite - Disability insurance
• maladies-graves - Critical illness
• emission-simplifiee - Simplified issue

Search by Document Type

Filter by document_type in frontmatter

Key Features

• ✅ Structured metadata for AI/LLM retrieval
• ✅ Consistent document schema (v2.0)
• ✅ Bilingual field names (FR/EN)
• ✅ Machine-readable tables and data
• ✅ Comprehensive tagging system
• ✅ Cross-referenced glossaries

Metadata Standards

Schema Version: 2.0

Required Fields:

• document_id - Unique identifier
• document_type - Classification
• insurer - Company information
• product - Product details
• language - fr-CA
• tags - Searchability keywords

Coverage Information

• Age ranges: 0-85 years (varies by product)
• Coverage amounts: $1,000 - $5,000,000 CAD (varies by product)
• Product types: Life, Disability, Critical Illness, Riders (varies by product)
• Underwriting types: Full, Simplified, Guaranteed Issue (varies by product)

License

Proprietary insurance documentation. All rights reserved by respective insurance companies.

Last Updated

October 2025

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Note: This documentation is for reference purposes. For current product offerings and terms, consult directly with the respective insurance companies.