Uncover where opportunity hides amidst uncertainty
Markets are shifting fast — from trade and policy changes to geopolitical tensions and a global energy reset. Are your clients prepared?
Watch Paul Holba, President and CIO, Empire Life Investments Inc., as he breaks down what’s driving the markets and where long-term value may emerge. Get practical insights to help you rebalance, diversify, and lead your clients through the second half of 2025.
For market insights, portfolio updates and product news, subscribe to our YouTube channel!
We've launched another on-demand compliance CE webinar!
Join us to learn about building a compliance program: Needs Based Sales Practices.
Elevate your practice with our new on-demand CE webinar. This session decodes the CLHIA's "The Approach" document, a key reference for needs analysis and fact-finding for fair customer treatment. We'll break down each of its seven elements, offering actionable tips for immediate implementation. Learn how to build deeper client trust, identify new opportunities, and grow your business by working smarter.
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.
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.
Important Update for Quebec financial professionals
The Regulation respecting complaint processing and dispute resolution in the financial sector is now in effect as of July 1, 2025. To help you comply, we've updated the Empire Life "Advisor Compliance Library" to include the new AMF-provided templates.
To access the AMF Complaint Templates for Individual Representatives and for Firms visit the Compliance Library and select the "Complaint Handling" dropdown.
An update on our Dividend-Focused Segregated Funds
In today’s complex market, your clients need equity-based solutions that work harder — and smarter. Our latest commentary explores how Empire Life’s dividend-focused segregated funds are delivering stability and opportunity through disciplined dividend investing.
Planning for the Financial Security of Canadians with Disabilities
This session covers facts and opportunities around financial support for Canadians with disabilities, covering the Disability Tax Credit, an overview of provincial and territorial disability benefits and trusts for persons with disabilities, setting the stage to do a deep dive into Registered Disability Savings Plans.
We will introduce tools and solutions to help you plan for the financial security of Canadians with disabilities. Advisors will be presented with ideas to help them get started in the right direction for their practice and strengthen the financial well-being of their clients and their loved ones.
A CE credit offer available until July, 2026.
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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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