Empire Life
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Can your client achieve a rate of return (IRR) of 15%* with
life insurance?

For clients who are relying on non-registered, low risk, fixed income investments to build a bequest for their loved ones, we recently developed two in-depth case studies that illustrate how our Optimax Wealth® 8 Pay and 10 Pay participating whole life insurance plans can help enhance their legacies.

Check out the case studies below and add them to your toolbox!



 Case Study #1: Optimax Wealth 8-Pay Download  


 Case Study #2: Optimax Wealth 10-Pay Download  

Optimax Wealth 8-Pay
Joint Last-to-Die with Enhanced Dividend Option 
Case Study #1

PAR-IRR-8-Pay-CaseAmit and Shaila

Uncertain about investing in a volatile stock market

In their 70s now, they need to minimize risk while still ensuring their family receives the legacy they've planned.

Optimax Wealth 10-Pay
Joint Last-to-Die with Enhanced Dividend Option 
 Case Study #2

PAR-IRR-10-Pay-CaseMaurice and Lan

Want to enhance the legacy they're planning for the next generation

Aged 65, they need an alternative to fixed-income investments that's easy to manage and can avoid probate.



There's still time to take advantage of the NEW, BIGGER eBundle Bonus

20% ebundle Insight

Until December 31st, earn up to +20% more FYC for submitting new life and health insurance applications via Fast & Full when clients select the electronic health questionnaire (eHQ) and eContract Delivery options.

It's faster, more convenient and now earns even more bonus commissions.

Learn more
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* Based on a tax equivalent Internal Rate of Return of the Death Benefit at end of policy years indicated for Empire Life Optimax Wealth 8-Pay Joint Last to Die policy with Enhanced Coverage dividend option for total coverage amount of $1,367,771 (base amount + Enhanced Coverage amount) issued on December 1, 2021, for healthy, non-smoking male and female life insureds, both aged 70 at issue, who both pass away by end of policy year indicated. The tax equivalent Internal Rate of Return of the Death Benefit is calculated assuming the fixed income investment amount at the end of the year indicated would be taxed at a marginal tax rate of 45%. See Case Study #1 for full details.
 The additional FYC qualifies for bonuses. Available on all life and health insurance products in contracts issued based on applications submitted using the Fast & Full Life App. This promotion can be withdrawn by Empire Life at any time


The information in this document is for general information purposes only and is subject to change without prior notice. Empire Life assumes no responsibility for any reliance made on or any inaccuracy in the information contained in this document.

Policies are issued by The Empire Life Insurance Company.


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