Introducing the NEW Empire Life Growth & Loyalty Bonus!

Beginning January 1, 2024, advisors can take part in our NEW Empire Life advisor insurance bonus program, the Growth & Loyalty Bonus that allows you to get rewarded in two ways: for growth and for loyalty. We will pay a bonus calculated on net annualized first year commission1 (FYC) of between 5% to 25% to qualifying advisors. 

Video Screen New-Empire-Life-Advisor-Growth-Loyalty-Bonus - EN


Want to learn more?

Watch the video to find out how you can:

Get rewarded for growth

And get rewarded for loyalty!

How does it work?

It's simple. There are two ways for advisors to get rewarded with this new bonus: 

    • Get rewarded for growth: Achieve tiered levels of sales growth in a calendar year and get rewarded with a growth bonus that increases at each tier. At the end of each calendar year, net annualized FYC earned by an advisor above $2,500 will be used to calculate your growth bonus.

    • Get rewarded for loyalty: The bonus will increase incrementally for each consecutive year for which an advisor qualifies, up to year 4.

    The percentage for these rewards is determined according to the table below:
  • Program details:


    (based on net annualized

    FYC earned)

    Program Year

    (based on number of consecutive calendar years2 that the

    minimum eligibility criteria are met)

    Year 1

    Year 2

    Year 3

    Year 4+

    $2,500 - $4,999 FYC

    5%  7.5%



    $5,000 - $9,999 FYC

     10% 12.5%



    $10,000 - $19,999 FYC 

     12.5% 15%



    $20,000 + FYC

     15% 20%




PLUS, the Fast & Full Life App Digital Bonus Program continues in 2024!

fast-and-full-desktop-banner-enUntil December 31st, 2024, advisors can continue to earn up to 10% more first year commission (FYC)3 on life and health insurance policies when you submit the application electronically using the Fast & Full® Life App vs. using paper applications.


Fast & Full Life App commission schedule details:

Product FYC Rates
Paper Fast & Full Life App Bonus Program
Approx. FYC % increase for Fast & Full vs. Paper
Fast & Full
Solution 10®, Solution 15™ & Solution 20® 45% 50% +10%
Solution 25® 47.5%  52.5%
Solution 30®  50% 55%
Solution 100®  55% 60%
Solution ART®  25% 27.5%
Term to 100 50% 55%
Guaranteed Life Protect™  35%  38.5%
CI Protect® & CI Protect Plus®  45%  50%
Empire Life Disability Credit Protect Rider™  35%  38.5%
EstateMax® & Optimax Wealth® Life Pay & 20 Pay  50%  55%
EstateMax & Optimax Wealth 10 Pay  35%  38.5%
Optimax Wealth 8 Pay  25% 27.5%
Additional benefits (bonuses do not apply)  70% 70%   

 Empire Life reserves the right to amend terms or conditions of these bonus programs or to terminate them at any time and without prior notice.

Looking for resources?

Check out these materials below.


InfoCircular-Fast-Full-Bonus-extension-and-new-Tiered-Loyalty-Bonus_FINAL_Dec_1 - EN

Information Circular




Flyer Screenshot Empire-Life-Loyalty-Growth-Bonus - EN




Want to learn more? Speak to your sales representative or contact our Sales Centre at 1 866 894-6182 for more information.

1 The bonus is calculated for all sales earned over the $2,500 FYC qualification level.

2 In each calendar year that the advisor meets the minimum eligibility criteria, the advisor will advance one Program Year until the advisor reaches Program Year 4.

3 The additional FYC qualifies for bonuses. Available on all life and health insurance products in contracts issued based on applications submitted using the Fast & Full Life App.

®/ Trademarks of The Empire Life Insurance Company.