Elevate Your Business - 2026 Enhanced Growth & Loyalty Bonus
Higher Tiers. Greater Rewards.
At Empire Life, our vision is to be the industry leader for service excellence and innovation. We are committed to providing the expertise and intelligent solutions you need to help your clients navigate life with confidence.
That’s why we’ve enhanced our Growth & Loyalty Bonus for 2026. We’ve listened to your feedback and redesigned our rewards to offer even greater earning potential for our most dedicated partners.
Effective Date for the 2026 Growth & Loyalty Bonus
The annual Growth & Loyalty Bonus period with the updated minimum eligibility criteria is January 1, 2026 – December 31, 2026. Eligibility and bonuses are determined based on the standard calendar year.
What’s New for 2026?
We’ve streamlined the program to make it more transparent and rewarding for advisors who choose Empire Life as their primary life insurance carrier.
- Payouts Starting at Dollar One: Once you qualify for a bonus tier, your bonus is now calculated starting from the very first dollar ($1) of FYC.
- Higher Earning Potential: We’ve optimized our bonus tiers for better rewards. You can now earn between 10% and 25% based on your production and program year.
- Introducing the Business Development Bonus: A new layer of rewards focused on the long-term health of your business. This bonus has been launched for our top-tier, loyal advisors - offering them additional payout incentives that can reach up to 1.25% of premium amounts paid for eligible life and health insurance policies that took effect in the calendar year.
How it Works
Qualifying for the 2026 program is simple and based on two key criteria:
- Net Annualized First-Year Commission (FYC): Reach a minimum of $7,500.
- Policy Count: Settle at least 8 policies (Life or Health insurance).
2026 Transition Rule
For the 2026 program year, an advisor's previously attained Program Year will be locked in based on their 2025 performance. However, please note that the new minimum eligibility criteria ($7,500 Net Annualized FYC and 8 settled policies) must be met in 2026 to qualify for a bonus payment and to advance to the next Program Year for 2027.
How the Bonus is Calculated
The bonus amount is calculated as a percentage of every dollar of net annualized FYC earned by an eligible advisor in that calendar year.
Updated Bonus Tier Qualifications
Advisors who meet the minimum eligibility criteria in a calendar year qualify to earn the bonus based on their production. In each subsequent calendar year that the criteria are met, the advisor advances one Program Year until reaching Program Year 4.
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Tiers (based on Qualifying FYC) |
Program Year (based on number of consecutive calendar years the minimum eligibility criteria are met) |
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Year 1 |
Year 2 |
Year 3 |
Year 4+ |
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$7,500 – $14,999 |
10.0% | 12.0% | 15.0% | 17.0% |
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$15,000 – $19,999 |
12.0% | 15.0% | 17.0% | 20.0% |
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$20,000 – $24,999 |
15.0% | 17.0% | 20.0% | 22.0% |
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$25,000+ |
17.5% | 20.0% | 22.0% | 25.0% |
Reward Your Persistency—Good Business that Stays on the Books: Introducing the Business Development Bonus
We value the deep relationships you build with your clients. This new persistency reward is applied to the premium amounts paid for eligible life and health insurance1 policies that took effect in the calendar year.
|
Current Year Qualifying FYC Band |
Business Development Bonus % |
| $25,000 to $34,999 | 0.35% |
| $35,000 to $49,999 | 0.40% |
| $50,000 to $74,999 | 0.50% |
| $75,000 to $99,999 | 0.75% |
| $100,000 or more | 1.25% |
The Fast & Full® Digital Bonus
Don’t forget—these enhancements are in addition to the standard commission boosts you receive when using the Fast & Full® Life App. Submitting digital applications helps you reach higher bonus tiers even faster. Growth & Loyalty Bonus calculations include any Fast & Full Digital Bonus compensation.
| Product | FYC Rates | Approx. FYC % increase for Fast & Full vs. Paper | |
| Paper | Fast & Full Life App Bonus Program | ||
| Fast & Full Digital Application | |||
| Solution 10® | 42.5% | 47% | +10% |
| Solution 15® & Solution 20® | 45% | 50% | |
| Solution 25® | 47.5% | 52.5% | |
| Solution 30® | 50% | 55% | |
| Solution 100® | 55% | 60% | |
| Solution ART® | 25% | 27.5% | |
| Term to 100 (Life Pay) and Term to 100 20 Pay | 50% | 55% | |
| Guaranteed Life Protect® | 35% | 38.5% | |
| CI Protect® & CI Protect Plus® | 45% | 50% | |
| Empire Life Disability Credit Protect™ | 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 | 70% | 70% | |
1 Solution Series, Term to 100, Guaranteed Life Protect, CI Protect, CI Protect Plus, Empire Life Disability Credit Protect, EstateMax, Optimax Wealth, and associated additional benefits, and Advisor-Assisted Simplified 10 and 20, available through a select distribution channel.
Want to learn more? Speak to your sales representative or contact our Sales Centre at 1 866 894-6182 for more information.
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The Empire Life Insurance Company | 259 King St. E., Kingston, Ontario K7L 3A8 | 1-866-894-6182 | salescentre@empire.ca | 8:30 am to 5:00 pm, EST weekdays
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