--- title: Experience the Empire Life Difference description: "Empire Life helps Canadians build wealth and protect their legacies. What sets us apart is simple: our people, our products, and our digital processes." --- [![Group 49@2x](https://info.empire.ca/hs-fs/hubfs/Investment_Marketing/INV_Canoe_Founders%20Club_Email_July2021/Group%2049@2x.png?width=100&height=32&name=Group%2049@2x.png "Group 49@2x")](https://www.empire.ca) [Français](https://info.empire.ca/diff%C3%A9rence-empire?hsLang=fr-ca) # Advisors have ranked Empire Life # 1 or 2 for the past for 4 years ## 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 #2 overall across 7 key areas ## Empire Life excels in 3 important areas According to NMG’s 2024/2025 Canadian Individual Life Insurance study1, Empire Life was ranked #2 on NMG’s Business Capabilities Index. - NMG's recent survey of 559 distributors nationwide identified Relationship Management, Technology, and Service Excellence as key factors in carrier selection. - Empire Life excels in these areas, which distributors value most. See how Empire Life benefits practices like yours. ![INS-1993995\_Empire life rankings\_En (2)](https://info.empire.ca/hs-fs/hubfs/INS-1993995_Empire%20life%20rankings_En%20(2).png?width=1280&height=376&name=INS-1993995_Empire%20life%20rankings_En%20(2).png "INS-1993995_Empire life rankings_En (2)") ![INS-1993995\_testimonial\_EN](https://info.empire.ca/hubfs/INS-1993995_testimonial_EN.png "INS-1993995_testimonial_EN") ## Bonus Programs ## Introducing the NEW Empire Life Insurance Growth & Loyalty Bonus! Launched January 1, 2025, advisors can take part in our 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. [![earn](https://info.empire.ca/hs-fs/hubfs/earn.png?width=2000&height=674&name=earn.png "earn")](https://info.empire.ca/en-ca/earn-more-2024?hsLang=fr-ca) ## Empire Life GIF Growth Commission Bonus program Extended for 2025, 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, 2025. [![INS-1993995\_2025 bonus program banner\_EN](https://info.empire.ca/hs-fs/hubfs/INS-1993995_2025%20bonus%20program%20banner_EN.png?width=1280&height=325&name=INS-1993995_2025%20bonus%20program%20banner_EN.png "INS-1993995_2025 bonus program banner_EN")](https://www.empire.ca/docs/pdf/INV-2529-Empire-Life-GIF-Summer-Sales-Commission-Bonus-EN-web.pdf) ## 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 ](https://info.empire.ca/hubfs/Why%20Empire/group.png "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 [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/70938c51-3951-44fc-ac9c-3fe62b59ba22.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/70938c51-3951-44fc-ac9c-3fe62b59ba22) ![Advanced Marketing and Large Case Support ](https://info.empire.ca/hubfs/man_woman.png "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 [![Learn more](https://no-cache.hubspot.com/cta/default/322854/61152955-e243-47f6-a1c7-23be8f49b156.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/61152955-e243-47f6-a1c7-23be8f49b156) ![Underwriting VIP Service ](https://info.empire.ca/hubfs/group2.png "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  [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/71fa6126-85d3-4205-bbdf-ed1a672d9bac.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/71fa6126-85d3-4205-bbdf-ed1a672d9bac) ![TRIIPSS webinar series](https://info.empire.ca/hubfs/Empire%20Difference/el-difference-triipss-banner-3.png "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. [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/b7f46539-e77d-4fef-85fd-0edab3b5dda3.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/b7f46539-e77d-4fef-85fd-0edab3b5dda3) ## 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. ![life insurance](https://info.empire.ca/hubfs/life-insurance.png "life insurance") #### 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   [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/b4c3e2f8-f2ec-4b0f-904d-668d53715541.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/b4c3e2f8-f2ec-4b0f-904d-668d53715541) ![health insurance](https://info.empire.ca/hubfs/healthinsurance.png "health insurance") #### Health Insurance - Enhance and core options for critical illness coverage - Available as stand-alone coverage and riders - Enhance a mortgage protection solution [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/8b613094-ec0d-46cb-8f01-ece7fd3bfaf6.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/8b613094-ec0d-46cb-8f01-ece7fd3bfaf6) ![investments](https://info.empire.ca/hubfs/investments.png "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   [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/282eb12d-8233-4764-9794-5ce8af8dbfa8.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/282eb12d-8233-4764-9794-5ce8af8dbfa8) ![mobie phone](https://info.empire.ca/hs-fs/hubfs/Why%20Empire/hand.png?width=82&name=hand.png) ##### 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.  [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/ec67dd00-ac73-4572-a38f-f813ad9ca7ac.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/ec67dd00-ac73-4572-a38f-f813ad9ca7ac) ### 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 ](https://info.empire.ca/hubfs/lifeapp.png "Fast & Full Life App ") #### Fast & Full® Life App  Award-winning and industry leading electronic life insurance application. [![Learn more](https://no-cache.hubspot.com/cta/default/322854/a4bd7e3b-178a-4c60-abfa-6c784d007426.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/a4bd7e3b-178a-4c60-abfa-6c784d007426) ![Fast & Full Investment App ](https://info.empire.ca/hs-fs/hubfs/investment-app-1.png?width=1505&name=investment-app-1.png "Fast & Full Investment App ") #### Fast & Full® Investment App  Online application process for segregated fund and guaranteed interest contracts.  [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/0180eab7-0e92-44a8-84a9-fc94d2ce1a05.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/0180eab7-0e92-44a8-84a9-fc94d2ce1a05) ![Growth & loyalty bonus image](https://info.empire.ca/hubfs/Growth%20%26%20loyalty%20bonus%20image.png "Growth & loyalty bonus image") #### Growth & Loyalty Bonus  Earn between 5% to 25% FYC with the Empire Life Growth & Loyalty Bonus! [![New call-to-action](https://no-cache.hubspot.com/cta/default/322854/0db8d877-7ebd-4377-bf3b-eab8ac170f54.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/0db8d877-7ebd-4377-bf3b-eab8ac170f54) ![speech bubbles](https://info.empire.ca/hs-fs/hubfs/Why%20Empire/text.png?width=86&name=text.png) **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 according to mass affluent & mass market segments, NMG Consulting, 2022, 2023, 2024, 2025. 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.** ## [Legal](https://www.empire.ca/legal) [Privacy Policy](https://www.empire.ca/your-personal-information-and-your-privacy) [Accessibility](https://www.empire.ca/accessibility-policies) ## The Empire Life Insurance Company 259 King St. E. Kingston, Ontario K7L 3A8 ## 1 877 548-1881 [salescentre@empire.ca](mailto:salescentre@empire.ca) 8:30 am to 5:00 pm, EST weekdays ## VISIT US [![Link to Instagram](https://info.empire.ca/hubfs/2021%20RST/Instagram.svg)](https://www.instagram.com/empirelife/) [![Link to Twitter](https://info.empire.ca/hubfs/2021%20RST/Twitter-icon.svg)](https://twitter.com/EmpireLife)[![Link to Facebook](https://info.empire.ca/hubfs/2021%20RST/Facebook-icon.svg)](https://www.facebook.com/EmpireLife/) [![Link to LinkedIN](https://info.empire.ca/hubfs/2021%20RST/linkedin-icon.svg)](https://www.linkedin.com/company/empire-life/) © Registered trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. All rights reserved – 2025. https://f.hubspotusercontent00.net/hubfs/322854/Banner.jpeg