Empire Life Insight for May 20, 2022

	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.
	Now available! Multi-Strategy investor Q1 Commentary Dave Paterson, Portfolio Manager, shares insights on market action over the first quarter of 2022, a year that is certainly off to an interesting start with volatility rising in both equity and fixed income markets around the world. Inflation remains stubbornly high and central banks are now turning their attention towards fighting it. The market rally that started in March 2020 faced real headwinds in the first quarter as most equity markets ended in negative territory. Stay up-to-date on Empire Life's Multi-Strategy portfolios with the Q1 Commentary for Investors.
	Fixed income update: Navigating a sea of volatility in fixed income 2022 was a challenging start for most markets, but especially so for the fixed income market, which had its worst start in over 40 years. Albert Ngo, Senior Portfolio Manager and Ian Fung, Portfolio Manager, discuss inflation as the main driver of fixed income market volatility, its impact, the outlook for fixed income, and how they’ve been implementing various strategies in the fixed income portfolios. Read Albert and Ian’s commentary to see how they are positioning Empire Life fixed income portfolios and believe that current headwinds may become tailwinds for fixed income.
	Now available on demand: The Hybrid Advisor: Marrying technology with a human touch Customers’ needs and expectations continue to be major drivers of change. Are they best met by technology or humans? Or a mix of both? Hybrid approaches are rapidly gaining traction and market share. Success will be measured by the customer’s experience in receiving value from their perspective. The hybrid advisor, marrying technology with a human touch, clearly has advantages and benefits for all parties: clients, companies and advisors. This session covers a number of approaches and business practices dealing with advisor offerings aimed at providing value to the customer. It will include an update on industry trends and fact-backed information on some of the forces impacting change and direction in the financial advisory business. CE credit offer available until August 31, 2022. A quiz will appear after the webinar has been viewed.
	Pay-out Annuity Confirmation Letters We are currently reviewing our pay-out annuity policies. Confirmation letters will be mailed this week to our annuity policyholders. If your clients are currently receiving payments in the mail by cheque, we encourage them to consider our safe and convenient direct deposit option. Their payments will be deposited directly into their Canadian bank account, so they won't need to worry about issues such as cheque holds or postal interruptions. To switch to direct deposit, they simply need to include a void cheque when they return the bottom portion of the letter. Alternatively, they can scan or provide a picture of the signed bottom portion of this letter via email and send to investment@empire.ca. Please encourage your customers to return the confirmation by October 31, 2022 in order to continue receiving their annuity payments.

	Can Anyone Afford to Lose Half Their Retirement Nest Egg? Adding CI Protect to a client's life insurance application can provide financial protection for their retirement savings against one of the four covered conditions for as little as $5 per month.
	Planned giving using life insurance Leaving a legacy to benefit a favourite cause continues to be a topic of interest to aging individuals. A number of charities and charitable foundations view endowments as an important aspect of fundraising and long-term planning. For many years, life insurance has been used as a cost-effective way to leave a legacy for the benefit of a charity. This isn’t a strategy just for the rich. A donor of modest means can leave a significant final bequest for comparatively little.
	Easily make beneficiary changes online through My Advisor Dashboard Whether it's an insurance or Investment policy, you can easily make beneficiary changes online at any time to avoid call wait times and manual signatures. Simply log in to My Advisor Dashboard, click on forms & applications in the top navigation and then e-signature forms and select the D-0017 Beneficiary designation form. Follow the steps and submit. Simple, fast and easy.
	Now available on demand: Business Owners and Estate Planning - Is there a role for insurance-based solutions? Protecting the business as the most important family asset is certainly top of mind. Sustainability is an opportunity to build a business that will stand the test of time. This fast-paced, thought-provoking session will explore various scenarios and test whether life insurance-based solutions can play a role in addressing issues and providing alternatives for advisors and their business clients. Attendees will walk away with hands-on questions to ask to get the conversation going with business owners and their families. CE credit offer available until July 26, 2022. A quiz will appear after the webinar has been viewed