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Off the cuff with Ian Fung:
Interest rates, inflation, and currency: a fixed income market update

The actions of central banks around the world are having a positive effect on inflation, and we are starting to see signs of it slowing, particularly as we look at the year-over-year and month-over-month numbers in Canada and the U.S. However, with widespread inflation and the near-term upward trajectory of interest rates, we could soon see an economic slowdown.

Ian Fung, Portfolio Manager, Fixed income, discusses these and other factors affecting fixed-income markets and the global economy.

Do you have clients who own a cottage or whose parents own a cottage?

With the substantial increases in the average value of recreational properties, such as cottages, are they aware of the potential capital gains tax liability that may be payable to keep the cottage within their family? 

Now is a great time to talk to your clients about how the Keep the Cottage in the Family strategy can be used to preserve and enhance their estate, helping to ensure that the cottage can be kept in the family and enjoyed for generations to come.

Helping Canadians Achieve their Financial goals

Throughout November, we'll be promoting financial health with social media posts on diverse topics that address some of the frequently asked questions of your clients.

We know you're busy, and we want to help. Feel free to leverage this content with your clients during Financial Literacy Month #FLM2022. Click the link below to preview some of the topics we will share.

Follow our channels for posts on #FLM2022

eVision Insurance Illustrator^TM Introduces Save & Share!

With the new Save & Share feature, you can share illustrations with members of your team in a safe and secure manner.

Whether you are a business development consultant, an advisor's personal assistant or an advisor participating in a case with a junior advisor, Save & Share enables the intended recipient to quickly access your illustration from their own logged-in version of eVision seamlessly. 

Now Available on My Advisor Dashboard: 

Upcoming Term Renewals

When you log in to My Advisor Dashboard, you will now see a new feature under the Business Support quick links called Inforce Business Opportunities, and a new report Upcoming Term Renewals.

Use this list to reach out to clients with a term renewal, discuss their needs and provide them with options to replace their policy (if they are healthy), convert their policy or renew their policy.

To access Inforce Business Opportunities, please log in to My Advisor Dashboard using the button below. 

Now Available: 

Did you know that you can register for access to the Dynacare portal to view status updates?

Advisors and MGAs can now register for the Dynacare portal. This feature will allow you to stay connected with your clients. You can choose to receive status notifications to stay alert on any new updates when setting up your profile.

If you require assistance, please contact Dynacare directly at

1 800 361-3771.

Fast & Full eBundle Bonus is extended until December 31, 2022!

Until December 31, 2022, you can keep earning 15% or 20% more FYC¹ by submitting new life and health insurance applications using the Fast & Full Life App when clients select and complete the Electronic Health Questionnaire (eHQ) and choose and receive eContract Delivery as compared to submitting paper applications and receiving a paper contract.

Underwriting: Adverse Decisions

One of our top new business reissue reasons is coverage or plan change due to adverse decisions. To provide advisors adequate time to review these cases with their clients prior to issue, we will now hold rated files in Underwriting until confirmation is received to proceed to issue.  If no response is received within 10 business days, the file will be not proceeded with and closed.  

Effective Tuesday, October 11th, 2022, when you receive an email from Underwriting to advise of an adverse decision, please ensure you review and discuss with your client immediately and advise how to proceed to avoid the policy being closed. Please ensure you reply directly to the original email from Underwriting to avoid any delays.  

Our Customer Service team will continue to assist you with any questions you may have.

Now available:

Multi-Strategy Q3 Advisor Holdings Update

Dave Paterson, Portfolio Manager, shares the holdings allocations of the Empire Life Multi-Strategy GIFs at the end of Q3 2022. See the percentage of allocations by cash, equity and fixed income. Take a deeper dive into the passive, smart beta and active equity holdings at the end of the quarter. 

Stay up-to-date on Empire Life’s Multi-Strategy portfolios with the Q3 Holdings Update for Advisors.

Now available on demand:

Creditor Protection, Insurance Products and the Canada Revenue Agency (CRA)

Life insurance and life insurance products are often used to provide for family members in the event of a death. However, have you considered what happens in situations where an estate does not have sufficient resources to pay its tax liability and there are named individuals as beneficiaries of a life insurance or segregated fund policy?

This webinar will focus on creditor protection for life insurance/insurance products and how an estate’s tax liability can impact that protection. 

CE credit offer available until January 24, 2023.

A quiz will appear after the webinar has been viewed.

This webinar is also available in French.

Incorporating Inflation into Financial Planning
Improving success in life and finances

In our new blog post, we explain how a properly structured financial plan that considers debt, cash flow and insurance can help provide investors direction, options, predictability and peace of mind in the face of inflation. This blog post will help clients understand the impact of inflation on their ability to reach their goals over time. Feel free to share this with your clients.

Holiday Hours and Year End Settle Dates

Please see link below for important dates for year end.

Final reports on Earnings & Dividends

We are pleased to announce our Q3 results. Please see links below for more information.