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Empire Life
Insurance & Investments
Simple. Fast. Easy.®
October 29, 2020
Ian Insight Feature EN

From the Desk of the CIO:
How the U.S. General Election May Affect
the Stock Markets

In this issue of From the Desk of the CIO, Ian Hardacre takes a historical look at the equity markets under previous U.S. presidents. He also shares his views on the short-term impact the current election may have on policy, laws, regulations and foreign relations.

"The U.S. general election on November 3 has the potential to be one of the most
complicated in U.S. history, and will shape the direction of the U.S. for years to
come. Emotions are running high as the presidential race enters its final sprint..."

Read the full article

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New Program: Policy Lapse Notifications for Advisors 

To help ensure that your clients’ life and health insurance policies remain in-force, advisors will now be sent a notice, by email, of impending policy lapse(s) to let you know of any client policies that are in danger of lapsing. The program was piloted earlier this year with a group of advisors and received only positive feedback.

This early-warning service will give you the opportunity to reach out to your clients help them keep their coverage in-force. Clients will continue to receive a paper copy of the policy lapse notification

If you have questions about this program*, please reach out to our Customer Service team at 1-800- 536-7683 or by email at

* This program can be withdrawn by Empire Life at any time.

View Sample Notification

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TRIIPSS Webinar Replay: Transferring Life Insurance Policies 

Transferring the interest in a life insurance policy happens more often than you may think. 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".

Advisors will be better equipped to guide their clients through the deliberations and decisions involved in transferring an interest in a life insurance policy. CE credits available until January 16, 2021.

Watch the Replay

advisor reading tablet

Changes to "Not in good order" notifications 

To hold fewer policies and decrease turnaround times, we will now copy in advisors via  email on all not in good order communications sent to your MGA from our New Business team during the application process. 

This is the latest in a number of process changes and other initiatives to improve service levels for life and health insurance applications.


COVID-19 Screening Application now part of Life and Health Insurance Application (form D-0082) 

To make it more convenient to submit paper life and health insurance applications, the mandatory COVID-19 (Coronavirus) Exposure Questionnaire has now been integrated into our form D-0082 Life and Health Insurance Application.

You can find the updated application on our forms page under the "Printable applications" tab. 

Go to the Forms page

Bike Man

Policy splits for joint-last-to-die coverages with no additional underwriting 

Effective October 15, 2020, we are pleased to announce that we will now support the splitting of Joint-Last-to-Die (JLTD) policies in the case of marriage dissolution.

A JLTD policy can now be split into two new single life policies with each retaining up to 50% of the face amount. No underwriting is required for this policy split process. Please see the Information Circular for more details.

Information Circular

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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!

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:  Locked-In Retirement Accounts - Opportunities for retirement and estate planning

It is becoming more challenging for retiring Canadians to coordinate their income sources. As we head into fixed income season, join Peter Wouters as he discusses everything to do with Locked-in Retirement Accounts. He will include a planning opportunity and also point out the mismatch of certain products, accounts and retirement plan structures.

  • Date: November 18, 2020
  • Time: 2:00 pm to 3:00 pm ET
  • CE Credits: Pending
Register Now
stars 2020 EN

Look to our shining stars

Deliver stellar results to your clients with our disciplined, long term investment management approach that focuses on quality and downside protection.

Learn More

Webinar EN

Replay Available: "Funds in the Spotlight"

Emotions are running high as the U.S. presidential race on November 3 enters its final sprint. American voters are divided about which candidate is best for the country, while investors around the world wonder what the outcome will mean to their portfolios

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

Watch the Replay

Seg Funds MAD

Segregated fund transaction confirmations  now available on your My Advisor Dashboard

There’s no need to wait for paper confirmations any longer – you can now get immediate access to your clients’ segregated fund transaction confirmations via My Advisor Dashboard!

Simply log-in to your My Advisor Dashboard account and click on Transaction Confirmations under the Documents tab to view your clients’ transactions online.

For more details, including answers to a number of frequently asked questions, see the Information Circular.

Information Circular

Not using My Advisor Dashboard yet? Click here to login or register.

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Important Update EN


Information Circular Revision: "Fronting" 

Fronting occurs when an advisor who was not involved in the completion of the sales transaction with the client, signs the application as the soliciting advisor.

Any advisor who meets with a client and solicits an application for an Empire Life product must be authorized to sell Empire Life products under a contract with Empire Life or because they are employed or engaged by an entity that is authorized under a contract with Empire Life (i.e. advisors under a corporate broker contract). Advisors will be assigned a code by Empire Life for submitting business to Empire Life. ALL advisors soliciting applications must have a code set up with Empire Life.

If two advisors are working together, both advisors must be coded with Empire Life and disclosed on the application for insurance.  Please see the revised Information Circular for details.

Information Circular


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

Our popular Blog is a go-to resource 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

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1 877 548-1881
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