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. The bonus payout is determined based on the persistency of the advisor's life and health insurance business; specifically, the percentage is applied to the total premium paid on life and health policies placed by the advisor in 2026 and the prior 4 calendar years if the policies are in force, and the advisor is the agent of record for the policies, as of Dec 31, 2026.
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.
|
Tiers (based on Qualifying FYC) |
Program Year (based on number of consecutive calendar years the minimum eligibility criteria are met) |
|||
|
Year 1 |
Year 2 |
Year 3 |
Year 4+ |
|
|
$7,500 – $14,999 |
10.0% | 12.0% | 15.0% | 17.0% |
|
$15,000 – $19,999 |
12.0% | 15.0% | 17.0% | 20.0% |
|
$20,000 – $24,999 |
15.0% | 17.0% | 20.0% | 22.0% |
|
$25,000+ |
17.5% | 20.0% | 22.0% | 25.0% |
INTRODUCING: The Business Development Bonus
We are introducing an additional bonus that rewards you based on the persistence of your life and health insurance block of business.
Once you qualify for a bonus tier in a calendar year, a percentage is applied to the premium amount paid for life and health insurance1 policies that took effect in that calendar year and during the previous four-year period if, at the end of that calendar year, the policies are in force and the advisor is the agent of record for the policies. The percentage applied is based on the highest bonus tier that you qualify for given the total eligible Net Annualized FYC earned by you in that calendar year:
|
Tiers (based on eligible Net Annualized FYC) |
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% |
Payout Information: Following the year-end calculation, the Business Development Bonus is distributed as a series of quarterly payments throughout the next calendar year.
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.
Level UP Rewards Bonus
An incentive program for advisors who submit 4 to 7 policies
This new program provides a straightforward, graduated monetary incentive per individual life and health (CI) policy issued between January 1 and December 31, 2026.
- ✔ Earn Up to $550 Extra: Receive an incremental flat dollar bonus per policy that climbs higher with each new milestone from your 4th to 7th policy.
- ✔ Simplified Qualification: Maintain a cumulative average threshold of just $500 in Net FYC per policy across your written business to remain eligible.
Fuel your growth and maximize your earnings!
Once you achieve the highest tier of the Level UP Rewards Bonus, you qualify for the Growth & Loyalty Bonus Program.