Discover the Empire Life Difference

Proudly Canadian, Empire Life helps Canadians build wealth, protect their financial security, and achieve physical, mental and financial health. What sets us apart from others is simple: our people, our products and our digital processes.

Advisors rate Empire Life #1 overall across 6 key areas

According to NMG’s 2023 Canadian Individual Life Insurance study1, Empire Life was ranked #1 on NMG’s Business Capabilities Index for the 3rd year in a row.

NMG conducted a survey of 529 distributors across the country, and asked them to comment on six criteria important to selecting a life insurance carrier. We are thrilled to share with you our rankings for these six criteria in the April 2024 report.1

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Bonus Programs

Introducing the NEW Empire Life Insurance Growth & Loyalty Bonus!

Launched January 1, 2024, advisors can take part in our NEW Empire Life advisor life insurance bonus program, the Growth & Loyalty Bonus that allows you to get rewarded in two ways: for growth and for loyalty. We will pay a bonus calculated on net annualized first year commission (FYC) of between 5% to 25% to qualifying advisors.

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Empire Life GIF Growth Commission Bonus program

Extended for 2024, earn a commission bonus for actively promoting the value of Empire Life Guaranteed Investment Funds (GIF) to new and existing clients. GIF Growth Commission Bonus: Your formula for higher commission. Total GIF Deposits x GIF Deposit Bonus Rate x Net GIF Growth Bonus Factor = GIF Growth Commission Bonus The growth commission bonus is available on deposits made between January 2 to December 31, 2024

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People

We’re real people and we’re here for you. Our 100% Canadian-based teams are focused on getting advisors the answers and information they need to serve their clients quickly and efficiently. We recently added many new team members across key operational areas like Customer Service and Underwriting to ensure we can continue to meet the high service standards our advisors expect even as our sales volumes have grown to unprecedented levels.

Put our expertise to work for you 

Our expert teams are in your corner when you need us. From product training to help with large and complex cases, your success is our first priority. Check out the resources available to you:

Sales Support and Account Management 

Sales Support and Account Management

  • Product training and marketing support 
  • Seminars and education sessions 
  • Help with illustrations and 
    case consultations

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Advanced Marketing and Large Case Support 

Advanced Marketing and Large Case Support 

  • Comprehensive tax and estate planning alternatives 
  • Focus on small business owners, incorporated professionals and high net worth clients 
  • Work with your client’s other professional advisors
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Underwriting VIP Service 

Underwriting VIP Service

  • Direct contact with your underwriter throughout the process 
  • Priority processing and prompt updates on developments/decisions 
  • Shopping for best offer on 
    non-standard business 
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TRIIPSS webinar series

Enrich your knowledge and earn CE Credits when you watch our TRIIPSS webinar series.

Check out on demand webinars to help your clients with their tax, retirement and estate planning needs. Register to watch online, answer the quiz and earn CE Credits.

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Products

Having a comprehensive product line that focuses on the needs of families and small businesses means being there for those who need us, when they need us most.

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Life Insurance

  • Competitively-priced term insurance with flexible terms and options
  • Participating whole life products with strong cash values
  • No-medical underwriting for up to $2-million coverage aged 18-50

 

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health insurance

Health Insurance

  • Enhance and core options for critical illness coverage
  • Available as stand-alone coverage and riders
  • Enhance a mortgage protection solution





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investments

Investments

  • Guaranteed Investment Funds, including ESG, multi-strategy and growth investment options.
  • Class Plus® 3.0, one of the few remaining Guaranteed Withdrawal Benefit products available in Canada2
  • Several investment savings account options available RRSP, TFSA and the new FHSA

 

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Want to speak with an Empire Life account representative? Do you have a specific client case you want to discuss? Let us know the basics and someone will contact you shortly. 
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Digital processes 

Empire Life is recognized as an industry leader in digital innovation. More than ever before, clients want digital options. We have the tools, like our Fast & Full®, our digital eApplication, that you need to serve those clients — on their terms and yours. Get to know our Fast & Full Life App: 

Fast & Full Life App 

Fast & Full® Life App 

Award-winning and industry leading electronic life insurance application.

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Fast & Full Investment App 

Fast & Full® Investment App 

Online application process for segregated fund and guaranteed interest contracts. 

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Growth & Loyalty Bonus 

Earn between 5% to 25% FYC with the Empire Life Growth & Loyalty Bonus!

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Don’t have a contract with Empire Life yet? Talk to your MGA today about becoming contracted with Empire Life and experience the difference for yourself.

1 Canadian Individual Life Insurance Study, NMG Consulting, 2022, 2023, 2024.

2 A description of the key features of the individual variable insurance contract is contained in the Class Plus 3.0 Information Folder. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value.

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