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We will be updating certain segregated fund client statements to the money-weighted rate of return (MWROR) methodology.

In preparation for the 2026 implementation of Total Cost Reporting (TCR), we are updating certain segregated fund client statements to adopt the money-weighted rate of return (MWROR) methodology, replacing our current time-weighted rate of return (TWROR). MWROR is the commonly used rate of return methodology for the investment fund industry and this change reflects our ongoing commitment to transparency and providing investors with meaningful insights.

The MWROR methodology provides a personalized view of investment performance by accounting for the size and timing of all cash flows, such as deposits and withdrawals, made by the investor. This means the performance reported will align more with the client's actual outcomes.

Clients will receive a client letter with their statements notifying them of this change.

Discontinuation of the Business Centre (EIDC) 

Find the information you need on My Advisor Dashboard

We're taking the next step in our commitment to be the industry leader for service excellence and innovation. We're discontinuing the Business Centre effective 8:00 p.m. (EST) on December 15, 2025, and consolidating all your client information into one place: My Advisor Dashboard.

What’s improved with My Advisor Dashboard? Read the News Update.

Take advantage of these tools to help you transition from the Business Centre to My Advisor Dashboard:

PAR Q3 2025 Report

The Empire Life participating fund continues to hold a strong track record for success, highlighting the performance and stability our participating plans can offer. We've been able to achieve:

• 5.89% return Year to Date in 2025
• 6.34% average return over the last 10 years
• 6.97% average return over the last 30 years

In addition to our participating fund performance, our participating plans have guaranteed premiums, cash surrender values, and life insurance coverage – providing an excellent opportunity for many Canadians.

Fast & Full ® Insurance Enhancements

Based on advisor feedback, we made the following updates to our Fast & Full Insurance application:

1. Ability to download illustrations from 'My Clients Dashboard': This enhancement allows for a faster workflow and more seamless experience.
2. Updated Issue Instructions section in Docusign package: To shorten the processing time for applications, we changed the title of the ‘Issue Instructions' section to ‘For Corrections / Medical Information Only’.

Check out these enhancements today!

NEW feature on My Advisor Dashboard:

Download your clients' Ad Hoc Investment Statements

We keep adding features to the My Advisor Dashboard to support you in helping your clients navigate their financial journeys. Now it's easier for you and your clients to download Ad Hoc Investment Statements, allowing you to select the period for these statements. 

My Advisor Dashboard makes it simple to download, email, or print client Ad Hoc statements. This streamlined process delivers clear, easily accessible information directly to your clients.

Join Fidelity Investments host Pamela Ritchie with Ilan Kolet, Institutional Portfolio Manager from Fidelity Investments for an insightful webinar on navigating today’s market challenges and uncover strategies for building resilient portfolios. Find out how incorporating the Empire Life Fidelity Global Balanced Portfolio GIF¹ as part of your clients’ existing investment strategy can help build robust and adaptive portfolios.

Date: Wednesday, November 26

Time: 2:00-2:30PM ET

CE credits: Pending

¹The underlying fund for Empire Life Fidelity Global Balanced GIF is Fidelity Global Balanced Portfolio.

Essential tips for your Empire Life RDSP Application

To ensure successful application submission, here are some administrative details to remember:

• RDSP transfer forms must be submitted to Empire Life.
• If completing a “paper” application, the Government Grant and Bond application (plus any Annexes) must be submitted to Empire Life along with the RDSP application.
• RDSP applications do not necessarily require a deposit.
• Disability Tax Credit (DTC) approval is required before submitting an RDSP application.
• Our Fast & Full e-application makes it easy to apply for an RDSP, including completing all required government forms and sending them to clients to sign digitally.

Holiday Hours and Year End Settle Dates

Please see link below for important dates for year end.