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Empire Life
Insurance & Investments
Simple. Fast. Easy.®
October 1, 2020
Insight Feature 100120

Bonus Extended! Earn up to 20% more FYC with the Fast & Full Life App

The hugely popular eBUNDLE BONUS for our Fast & Full Life App first year commission (FYC) will be extended for the balance of 2020!

Clients see the value of digital tools and non-face-to-face options to meet their insurance needs. You’ve proven that by submitting applications via Fast & Full at record rates over the past several months.

Until December 31, 2020, earn up to 20% more FYC as compared to paper applications when you submit Life and Health insurance applications electronically using the Fast & Full Life App and when clients select the Electronic Health Questionnaire (eHQ) and the eContract Delivery options.

Learn more

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Next TRIIPSS Webinar October 15, 2020: Transferring Life Insurance Policies 

Transferring the interest in a life insurance policy happens more often than you may think. Attendees will learn about what happens with various scenarios involving the transfer of an interest in a life insurance policy. The session includes sample calculations, considerations and consequences for the transferor and transferee.

  • Date: October 15, 2020
  • Time: 2:00 pm to 3 pm ET
  • CE Credits: Available

Register Now

no medical


Reminder: Higher no-fluid/non-medical limits for life and health insurance products 

As we continue to expedite in the mill applications, we wanted to remind you that Empire Life raised the no-fluid/non-medical limits for life and critical illness insurance on March 31, 2020 as a temporary measure during the pandemic.

These revised limits remain in effect until further notice:

Life insurance Critical illness insurance
- Ages 18 to 50:
up to $1,000,000
- Ages 51 to 60:
up to $300,000
- Ages 61+:
standard UW requirements apply (e.g. PHI & Vitals, BP)
- Ages 18 to 40:
up to $250,000
- Ages 41 to 50:
up to $99,999
- Ages 51+:
standard UW requirements apply (e.g. PHI & Vitals, BP)

Important note: preferred underwriting for life insurance begins at $1,000,001



Tips for faster life insurance underwriting 

As communicated last month, we have received record numbers of new life applications via Fast & Full over the past few months. While we continue to add new members to our Operations teams, there are still some things you can do to speed up your Fast & Full life applications:

  1. Only put critical information in the “Issue Instructions” at the end of the Fast & Full Life App. This field automatically flags the policy for a second look by an Empire Service Representative, and may cause delays. If there is information important to the application that you wish to add please send an email quoting the policy number to
  2. To link applications in Fast & Full, please send an email to and indicate which policy numbers should be linked.
  3. Include the policy number on all correspondence and only send correspondence regarding that policy in the email (i.e. do not email the settling requirements for multiple policies in one email).

Thank you in advance for your continued cooperation. To see the full list of tips, please click on the button below.

Learn More

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Now Available: Quarterly performance report for participating life insurance plans 

Consistent returns with a conservative investment approach have made the Empire Life participating plans very successful over the years. It is also why we have never failed to pay a dividend in the history of offering this type of insurance. Our dividend scales are guaranteed never to fall below zero percent and any dividend, once paid, cannot be taken back.

The Summer 2020 report is now available for download.

Download the report

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Third Party Payor option on the Fast & Full Life App means greater payment flexibility for clients

Payment options on the Fast & Full Life App are now even more flexible and convenient. Now clients have the option for a third party to pay for the policy. This will be particularly useful for corporately owned policies and juvenile cases where a grandparent is the payor.

Paying by third party is now simple and convenient. If paying at issue, remember to have the payor’s banking information on hand to avoid delays.

Start a Fast & Full Appication

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global funds


Our new Global Funds kit makes it easy to find a world of global investing opportunities for your clients

Global investing is increasingly important – the global equity market is worth $50 trillion U S, of which Canada accounts for just 3%.

Check out our new Empire Life Global Funds kit with everything you need in one convenient place.

Global Funds kit

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COVID-19 and the K-shaped recovery

David Mann discusses how COVID-19 may be resulting in a K-shaped recovery which is exposing relative strengths and weaknesses in operating models.

Watch the video

Webinar EN

Earn CE credits with our on-demand webinar: The Case for Empire Life Global Dividend Growth GIF

How should investors position their portfolios in a new financial era with fiscal and monetary policies that previously we would have considered unthinkable? Ashley Misquitta and David Mann discuss how the Empire Life Global Dividend Growth GIF may provide investors with stability and growth opportunities in these unprecedented times.

Watch on demand


Replay now available: “Beneficiary Blow-ups Focus on Investments”

Peter Wouters covers estate planning issues with a focus on investments. He uses case studies - many from the courts - to highlight strategies and pitfalls where beneficiary designations may be overridden.

Watch the replay on demand when it is convenient for you and complete the webinar quiz to earn CE Credits.

Watch the Replay

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From the Desk of the CIO: What's (G)old is New(s) again

Ian Hardacre takes a look at the price fluctuations of gold year to date. Ian also discusses why gold mining companies might provide diversification benefits to the overall portfolio in the current pandemic environment.

Read Ian's article

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Do you subscribe to the Empire Life Insurance and Investments Blog? 

Our popular Blog is a go to resource for for the latest industry trends and analysis from our internal experts including Ian Hardacre and Peter Wouters. You'll also find client-friendly tips on personal finance and the value of life insurance.

Check out our recent series on life insurance fundamentals for the first time buyer which ran during Life Insurance Awareness Month in September.

Learn More


Help us grow our team!

We're looking for experienced bilingual Underwriters to join our team.

Our talented employees are the heart of our success. Do you know someone who could make a difference for our customers? We offer an environment that encourages the pursuit of personal and professional success.

We acknowledge and reward talent, and support our employees in achieving and exceeding individual and organizational goals. If you have any contacts who might be interested, please share our job posting. Thank you for your support.

View and share posting

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The Empire Life Insurance Company
259 King Street East, Kingston Ontario K7L 3A8
1 877 548-1881
8:30 am to 5:00 pm, EST weekdays

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