Semi-Annual Market Outlook: Key insights from the Empire Life Investment Team
As we enter the second half of 2025, the team at Empire Life Investments Inc. is zeroed in on the global forces reshaping markets across asset classes. Trade uncertainty, shifting policies, geopolitical tensions, and the accelerating energy transition are all driving volatility—and opportunity.
In our new 2025 Semi-Annual Market Outlook, our portfolio managers share what they’re watching most closely, how they’re positioning portfolios, and where they see the strongest potential for long-term growth and resilience.
For market insights, portfolio updates and product news, subscribe to our YouTube channel!
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 tonew and existing policy loans.1
For more details related to this announcement, please review the news article.
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.
Small business owners and positioning life insurance policies
Elevate your corporate client strategies by mastering the intricacies of life insurance policy transfers. This presentation delves into the tax nuances, distinguishing between individual and corporate recipients, and the crucial role policy age plays. Gain a competitive edge by offering precise, tax-efficient solutions that optimize corporate structures. Equip yourself with the knowledge to confidently navigate complex transfers and solidify client trust.
CE credit offer available until June 2026.
A quiz will appear after the webinar has been viewed.
How to support your business clients in setting up a Buy-Sell Agreement
For a business owner, the unexpected passing of a partner or co-owner can threaten the continuity of the business. A Buy-Sell Agreement helps to:
Determine how the deceased owner’s share will be managed
Ensure a smooth transition of ownership
Define fair compensation for the deceased owner’s family
Discussing this crucial business agreement with your clients can strengthen your relationship while addressing their critical needs.
Our Tax, Retirement, and Estate Planning (TREP) team offers free large-case consultations for cases involving annual premiums starting at $10,000, assisting with complex structuring and client questions.
In light of recent developments in the Middle East, Portfolio Managers from Empire Life Investments Inc. have prepared a brief commentary to share their initial thoughts2 and outline what they're focused on and how they are positioning our funds.
For a deeper dive, watch our recent Market Update webinar from Tuesday, June 17, available on demand here.
2This commentary reflects the opinions and views of The Empire Life Insurance Company and Empire Life Investments Inc. as of June 13, 2025 and is subject to change without notice.
Now available: Empire Life’s Investment Fund Guide
Introducing the Empire Life Investment Fund Guide: your comprehensive resource for all our Guaranteed Investment Fund (GIF) offerings. Inside, you'll find detailed information on each fund, including:
Fund summaries and strategies
Reasons to invest in each fund
The risk profile for each fund
Breakdown of asset allocation, geographic weights and investment style
Boost efficiency with the eVision Investment Illustrator new "Save" portfolio feature
We’re excited to share the new “Save” portfolio enhancement to the eVision Investment Illustrator™, designed to make your advisory process smoother and more efficient.
The new enhancement enables you to:
Build and save both model portfolios and client-specific portfolios
Update current portfolios and save multiple versions for easy tracking
Assign profile names to each portfolio for quick and convenient access
Did you take advantage of the Inforce Business Opportunities on My Advisor Dashboard to help you support your clients and grow your business? We’ve enhanced these Opportunity reports by allowing you to click on the policy number to instantly access the policy information.
We’ve launched another on-demand compliance CE webinar!
Join us to learn about building a compliance program: Implementing Privacy Breach Response Requirements
Navigating the complexities of privacy legislation is more critical than ever for advisors. Our latest CE-accredited webinar delves into the obligations surrounding privacy breaches, offering essential insights and practical guidance for enhancing your compliance framework. We'll explore various privacy laws, overall privacy obligations, what constitutes a privacy breach, and the essential steps for a compliant response.
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® Empire Life and the Empire Life logo are registered trademarks of The Empire Life Insurance Company.
Policies are issued by The Empire Life Insurance Company.
All other trademarks are the property of their respective owners.
A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. 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. Please read the information folder, contract and fund facts before investing. Performance histories are not indicative of future performance.
Empire Life Investments Inc. is the Portfolio Manager of certain Empire Life segregated funds. Empire Life Investments Inc. is a wholly-owned subsidiary of The Empire Life Insurance Company.
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