Also Inside: My Advisor Dashboard is your tool to manage pending applications ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­    ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­  
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Insurance & Investments 
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August 6, 2026
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The Empire Life Disability Savings Plan Application (RDSP Application) has been updated to include two new sections: Successor holder and Withdrawals. These updates are now part of the Fast & Full® Investment e-app and the paper application (INV-4030). We’d also like to take this opportunity to remind you about a few administrative tips when submitting applications for RDSPs.

Read the update

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NEW on My Advisor Dashboard

My Advisor Dashboard is your tool to manage pending applications

We introduced new features to give you more information about your clients' pending policies.

 

1. NEW: Policy Search: You can now find pending policies and see additional information such as their new business status, coverage details, payment information, relationships, and more.

2. Insurance New Business Status: Instantly see what the next steps are to help you get your clients' policies issued.

NEW: From the Insurance New Business Status table, you can click on the policy number to launch a Policy Search and access more details. 

 

3. Insurance New Business & Policy Changes: Download a list of all your outstanding insurance applications and policy changes in a spreadsheet. The report includes details on outstanding requirements (specifics, date ordered, supplier), underwriting decisions, annualized policy premiums, and more.

NEW: You can also click on the policy number in the list to launch a Policy Search.

 

NEW Policy number persistence: When going from one feature to the next, e.g., from policy search to the address change, the dashboard automatically remembers the policy number, making the experience seamless. Give it a try!

REMINDER: My Advisor Dashboard replaces the Business Centre. Make sure to utilize it to its full advantage! Watch the Virtual Tour of My Advisor Dashboard to help you navigate My Advisor Dashboard effectively.

Log in to My Advisor Dashboard
Reference the Quick Transition Guide
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NEW

2026 Level Up Rewards Bonus*

* Program runs from January 1 to December 31, 2026

Earn up to $550 when you submit between 4 and 7 life and health policies1 with the Level UP Rewards Bonus. Whether you are building your foundation or working toward long-term growth, this program recognizes your commitment to selling Empire Life life and health products that meet your clients’ needs.

Payouts follow a graduated progression up to a total of $550 in potential rewards:

  • 4th Policy: $100
  • 5th Policy: $125
  • 6th Policy: $150
  • 7th Policy: $175 (Totaling $550)

Other highlights:

✅ Level UP Rewards transition to Growth & Loyalty Bonus Rewards at policy number eight.

✅ You don’t have to choose between the Level UP Bonus and the Growth & Loyalty Bonus.

✅ Finish Strong: This program runs from January 1 to December 31, 2026, helping you maintain momentum all the way through year-end.

Learn more

1 Solution Series®, Term to 100, Guaranteed Life Protect®, CI Protect®, CI Protect Plus®, Empire Life Disability Credit Protect®, EstateMax®, Optimax Wealth® and Advisor-Assisted Simplified 10 and 20, available through select distribution channels and associated additional benefits. 

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BLOG: Did you know Homebuyers can save up to 62%2 with Life Insurance instead of Mortgage life Insurance?

Buying a home in Canada is expensive, with the average new mortgage loan reported at $360,597, up from $271,895 reported just 10 years prior3.

 

Keeping costs low and money in your clients' pocket can be challenging. One way to help them save is by helping them understand the types of mortgage life insurance and evaluating all of the options. For example, with Empire Life's Solution 25® Term Life Insurance instead of mortgage life insurance from the banks, your clients get greater flexibility and coverage for less.

Read more

2 Savings percentage is based on the monthly premiums for Solution 25 vs. an average of the monthly premiums charged by the top 5 banks for mortgage life insurance. Solution 25 premiums are guaranteed not to change for 25 years if paid when due.

3 The average cost of the top five banks’ mortgage life insurance premium, including 8% PST in Ontario, is the average of the monthly premium of mortgage life insurance offered by Scotiabank ($103.95), BMO ($90.72), TD Canada Trust ($86.13), RBC ($60.48), and CIBC ($90.72) for the same individual obtaining a $400,000 mortgage as determined by Empire Life in a survey conducted March 2026. Premiums for mortgage life insurance stay the same, but the amount of coverage decreases as your mortgage balance decreases. Term life insurance and mortgage life insurance have different features and eligibility requirements.

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Now available on demand:

Corporate-Owned Segregated Funds: Strategies, Tax and Estate Planning

When managing corporate surplus cash, business owners face a delicate balancing act: maximizing investment growth while protecting their capital from market volatility and high corporate tax rates.  

This upcoming session explores how to use segregated funds effectively for your business clients. We will cover flow-through tax structures, Capital Dividend Account (CDA) optimization, and how to precisely structure ownership to avoid punitive shareholder benefit traps.
 

This webinar is also available in French.
CE credits: Pending
 

Watch the replay
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Enhancement to Fast & Full® Investments

Great news for advisors! Empire Life Fast & Full® Investments e-application is now even more flexible; up to 10 investment options can now be added when applying for a segregated fund contract.

Learn more
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DBRS Morningstar has confirmed our ratings

DBRS Morningstar has confirmed our ratings at A (high) thanks to our midsize position in the Canadian life insurance market, diversified earnings sources and well-capitalized position. 

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For Advisor Use Only

® 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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The Empire Life Insurance Company
259 King Street East, Kingston Ontario
1 877 548-1881
info@empire.ca
8:30 am to 5:00 pm, EST weekdays
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The Empire Life Insurance Company   259 King Street East    Kingston  Ontario   K7L 3A8   Canada
The Empire Life Insurance Company