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Empire Life
Insurance & Investments
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August 6, 2020
Ian Insight 6

From the Desk of the CIO
Staying disciplined as speculation heats up

As the world continues to grapple with COVID-19, global equity markets staged a stunning comeback in the second quarter. The Canadian stock market booked its best quarter since 2009, European shares enjoyed their best quarter in five years, and the S&P 500 Index posted its largest quarterly percentage gain since 1998.

In this issue of From the Desk of the CIO, Ian Hardacre shares his views on the current equity markets. Ian also discusses the importance of active management and how a good asset allocation practice can improve a portfolio’s risk-return profile.

Read Ian's article

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INSURANCE NEWS

Par Dividend Inisght

Dividend Scale Announcement for Empire Life Participating Plans

We are pleased to announce that the dividend scale for Empire Life participating products will be maintained at current levels until June 30, 2021, as approved by our Board of Directors earlier this year.

We are also maintaining the Empire Life dividend scale interest rate of 6.0% until June 30, 2021. For more information related to this announcement, please review the Information Circular.

Learn More

TRIIPSS EN

Now available on demand:
New and Classic Life Insurance Strategies Using Additional Deposit Option (ADO)
Part 2

This session will explore a new and creative way to double up on donations and maximize the use of life insurance to multiply the gifts donors are interested in making. It will close with answers to immediate financing arrangements generally and product applications aside from charitable giving. CE credits offer expires October 23, 2020.

Watch the Replay

Insight_S25

 

New Solution 25™ Term Life Insurance

We are pleased to announce the addition of Solution 25 to our popular Solution Series® term insurance product portfolio. With an initial term of 25 years, followed by automatic one-year renewals, Solution 25 will be available for both the Fast & Full® Life App and paper applications.

Visit our Solution Series web page for highlights including new and updated marketing materials.

Learn More

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UPDATE: Resuming In-Home Paramedical Services

We are pleased to report that Dynacare and ExamOne have resumed in-home paramedical collection services in all regions across the country.

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eSignature Forms Now Available For
Non-Face-To-Face Business

Through the new eSignature section on My Advisor Dashboard, you are now able to access online forms and applications that can be signed digitally, starting with the C-0170(a) Electronic PAD Agreement form for insurance. Updates will be provided as more forms and applications are enabled for eSignature.

Learn More

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INVESTMENT NEWS

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Give clients the peace of mind that comes with guarantees

Now more than ever clients are concerned about continued market volatility and protecting their financial assets during a market downturn. Give them the peace of mind that comes with protection available only with segregated fund guarantees.

  • Choice of 75% or 100% maturity benefit guarantee
  • Choice of 75% or 100% death benefit guarantee on deposits made to age 90
  • Automatic annual death benefit guarantee resets until age 80 to lock in market gains
  • Diversified investment choices ranging from fixed income to 100% equity, including our tactically managed Multi-Strategy GIFs

Client brochure

Advisor Summary

KYI

 

Empire Life Portfolio Management Update

The Empire Life Investment Team discuss how they navigated the markets during the first half of 2020, where they see opportunities and how the funds are positioned going forward. Download the updates and share with your clients.

Client Letter

Dividend Growth Fund

CP3 RRIF

 

Discover how Class Plus 3.0 is an ideal solution for converting an RRSP into a RRIF

Did you know that 98% of aging Canadians want a lifetime income? The solution may be Empire Life Class Plus® 3.0:

  • Clients are guaranteed to receive a predictable monthly income that is guaranteed for as long as they live
  • If the RRIF minimum is higher in any year than the guaranteed income, clients can withdraw up to the RRIF minimum and it will not be considered an Excess Withdrawal

Our RRIF video and case study can help demonstrate to clients how Class Plus 3.0 may benefit their financial situation.

Learn More

financialresults

 

June 30, 2020 Investment Statements

The Empire Life June 30, 2020 Investment Statements were mailed to customers beginning July 20, 2020. Customers who have signed up for electronic copies of their statements (eStatements) will not receive printed copies. Clients can view their eStatements on MyEmpire as of July 20, 2020.

Advisor copies of all client statements are now available on the Business Centre. The online statements feature allows you to conveniently download statements as Individual (single policy) or Bulk (all policies in a .zip file). For additional information about your customer’s statements, please see Information Circular.

Learn More

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CORPORATE NEWS

NewsFlash-EN

 

Empire Life announces second quarter 2020 results

Empire life has announced second quarter 2020 results.

Learn More

InvGlassesIpad

 

Policy Reminder: Short Term Trading

At Empire Life, a short-term trade occurs when a client purchases units within a particular segregated fund via a deposit or switch and, within 90 days of that transaction, moves or withdraws some or all units from the same fund.

If a client completes a short-term trade, we will send their servicing advisor an email notification explaining the transactions. A second trade of the same nature may result in the client's fund being charged a fee of up to 2%. This fee is paid to the associated fund to help offset the costs of the short term trading activity. We also reserve the right to refuse to process the requested transaction under the same conditions.

Please ensure your clients are aware of this Policy as outlined in their product Information Folder.

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