Empire Life PAR products offer even more for your clients with recent enhancements to EstateMax and Optimax Wealth!

With Participating Permanent Whole Life Insurance, the contract has guaranteed cash surrender values, a guaranteed premium, and the initial coverage amount is guaranteed at issue¹. In addition, the policy may be eligible to receive an annual dividend that can be used in a variety of ways, including the ability to purchase additional paid-up life insurance on the policy, growing the long-term death benefit and the cash surrender values.

NEW! EstateMax has increased death benefit projections up to 42% at age 85%²

With Empire Life EstateMax, you can help clients with their long-term estate needs while they build their wealth.

NEW! Optimax Wealth now offers increased early Cash Surrender Values (CSV) in year 5, with up to 38%³higher Total CSV and up to 115%⁴ higher Guaranteed CSV

With Empire Life Optimax Wealth, you can help clients looking to retire in the shorter term, earn guaranteed cash values along with life insurance protection.

Empire Life Participating Whole Life Insurance can be an excellent choice for both the business and family markets. It can benefit clients who are looking for:

Insurance coverage for life
Built-in guarantees
Potential to receive annual dividends
Flexibility through the cash value
Tax-deferred growth
Limited payment options

Introducing a NEW Disability Benefit!

Built into our Participating Whole Life insurance policies is a NEW Disability Benefit. If the life insured were to become disabled, as defined in the policy contract provision pages, then the policy owner can request a payment from their cash surrender value on a tax-free basis⁵.

Below, you will find all the resources created for you and your clients.

Advisor Marketing Resources

Info-Circ-PAR-EnhancementsLR

Information Circular - Par Enhancements

Participating-Product-Guide- EN

Participating Whole Life Insurance Advisor Guide (INS-1608250)

Life & Health Product Overview (E-0018)

Empire-Life-Participating-Whole-Life-Additional-Deposit-Option-ADO-Frequently-asked-questions

ADO Options FAQ (INS-2746)

EstateMax-and-Optimax-Wealth-Additional-Deposit-Option-ADO-Rider

ADO Highlights (INS-2739)

Info-Circ-PAR-EnhancementsLR
Information Circular - EstateMax 8-Pay

Client Resources

Participating-Client-Guide

Client Guide (INS-1615350)

PAR products are eligible for the Growth & Loyalty Bonus

Questions? Talk to your Sales Representative or call us at 1-866-894-6182 for more information.

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

FOR ADVISOR USE ONLY

¹ Certain criteria must be met to maintain the lifetime guarantee if the Enhanced Dividend Option is selected

² Based on Male, Age 0, Juvenile, 10-Pay EstateMax, Paid-up Additions dividend option, annual premium of $6,845

³ Based on Male, Age 65, Non-Smoker, Life Pay Optimax Wealth, Paid-up Additions dividend option, annual premium of $17,095

⁴ Based on Male, Age 0, Juvenile, Life Pay Optimax Wealth, Paid-up Additions dividend option, annual premium of $2,050

⁵ Empire Life cannot guarantee that tax laws will remain unchanged and therefore offers no guarantee that a Disability Benefit will not be
subject to income tax at the time it is paid. It is possible that future changes in the Income Tax Act (Canada) and Regulations could result
in disability benefit payments becoming taxable.