Dividend scale interest rate (DSIR) of 6.25% has been extended until June 30, 2026

Empire Life is pleased to announce that the dividend scale, including the interest rate of 6.25% for our PAR products, is being maintained from July 1, 2025 to June 30, 2026, as approved by our Board of Directors earlier this year.

In addition to maintaining our dividend scale interest rate of 6.25%, we are pleased to share the following:

• There are no changes to the other factors used to calculate the dividend scale.
• The interest rate for the Cash Accumulation dividend option (Dividends on Deposit) remains unchanged at 4.0% for all participating whole life policies.
• For policies with a variable policy loan interest rate, it remains unchanged at 6.75%. This applies to new and existing policy loans.¹

For more details related to this announcement, please review the news article.

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

Explore two detailed case studies that illustrate how the death benefit of our Optimax Wealth 8 Pay and 10 Pay participating whole life plans might outperform a non-registered fixed income asset. If you have clients who are risk-averse and rely on non-registered fixed-income investments, this approach could potentially enhance their legacies. Add these to your toolbox today!

Why Empire Life for PAR? 

Strong PAR account performance:

7.0% average return² over the last 30 years

Two products to help meet your client's needs:

Optimax Wealth and EstateMax

Four guaranteed payment options to choose from:

8 Pay³, 10 Pay, 20 Pay and Life Pay

For more information on Empire Life participating whole life insurance products, please visit our website.

¹ The policy loan rates on some older blocks of policies have a fixed policy loan rate, therefore, refer to the policy contract to better understand the applicable policy loan rate available.

² See Empire Life Quarterly Participating Account Summary Q1 2025 pg. 6.

³ Optimax Wealth only.

FOR ADVISOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

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.