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Earn 15% or 20% more FYC1 on life and health products when you submit the application electronically using the Fast & Full® Life App and clients select and complete the Electronic Health Questionnaire (eHQ) and choose and receive eContract Delivery as compared to submitting paper applications and receiving a paper contract.

Advisors will still earn 10% more FYC when a Fast & Full Life App is submitted vs. paper and can now earn up to an additional 5% FYC for participating whole life products or an additional 10% FYC for all other life and health products when both the eHQ and the eContract Delivery options are selected in the Fast & Full Life App and the contract is delivered electronically.

Commission schedule details:

Product FYC Rates
Paper Fast & Full Life App Bonus Program
Fast & Full  Fast & Full with eHQ & eContract
Solution 10® & Solution 20® 45% 50% 55% 
Solution 25® 47.5%  52.5% 57% 
Solution 30® & Solution 100®  50% 55% 60%
Solution ART®  25% 27.5% 30%
Guaranteed Life Protect™  35%  38.5%  42%
CI Protect® & CI Protect Plus®  45%  50%  55%
Empire Life Disability Credit Protect Rider™  35%  38.5%  42%
EstateMax® & Optimax Wealth® Life Pay & 20 Pay  50%  55%  57.5%
EstateMax & Optimax Wealth 10 Pay  35%  38.5%  40%
EstateMax & Optimax Wealth 8 Pay  25% 27.5%  29%
Additional benefits (bonuses do not apply)  70% 70%   70%




Fast & Full with eHQ
and eContract
vs. Paper applications









Helping you provide better, faster service to your clients is what it's all about

We recently made permanent all of the temporary non-medical underwriting limits for insureds introduced during the COVID-19 pandemic. That covers all life and critical illness insurance products. Check out the Information Circular to learn more.

Information Circular



Not using the Fast & Full Life App yet?

Watch a how-to video on using the Fast & Full Life App for non-face-to-face meetings or download the promotional flyer.


How-to video



Download the flyer



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Hear from Fans of Fast & Full®
Don’t just take it from us. See why users of Fast & Full® Life prefer it to paper.

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Want to learn more?
Schedule a personal demo or watch the video to see how simple, fast and easy completing an application can be.

See it for yourself
Watch the demo video or sign up for one of our live sessions.

Already using Fast & Full® Life or want to register? GET STARTED

1 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. This promotion can be withdrawn by Empire Life at any time.

®/ Trademarks of The Empire Life Insurance Company.