Empire Life
Insurance & Investments
Simple. Fast. Easy.
no-fluids-2M-icon-EN Your clients want flexibility, convenience and service on their terms.  

To help you meet those evolving needs, we are pleased to announce that our standard underwriting requirements for life insurance coverage amounts up to $2,000,000 on life insureds age 18-501 will no longer include medical tests in most cases2.

Customers have the choice of applying for Preferred/Elite rates by providing fluid tests, or they can choose the convenience of applying without fluid tests for Standard rates between $1,000,001 and $2,000,000.

This is a significant improvement to our standard underwriting process that we have achieved thanks to advanced underwriting techniques that deliver an improved customer experience with no premium rate changes.

For full details, including transition rules, please see the Information Circular below. We have also created a Frequently Asked Question document for your reference.

Information Circular

There is still time to earn more FYC with
the eBundle Bonus!

FF Life Laptop

Submit new business via the Fast & Full Life App until June 30, 2021,
and earn up to 15% more FYC3 when clients select the eHQ and
eContract Delivery options.

Did you know, applications submitted using eHQ and eContract are
issued nearly 5X faster on average vs. paper applications4 – with more than half issued in fewer than 5 days!

Learn more



1 Calculated as insurance age (age nearest)
2 As per Empire Life’s normal underwriting process for new applications, additional underwriting requirements may be required based on the information submitted in the application. Also, a number of new applications will be selected for additional underwriting requirements (including fluid tests) based on our random selection and predictive analytics algorithms. All life insurance applications with coverage amounts between $500,000 and $2,000,000 for life insureds aged 18-50 may be considered for additional underwriting requirements.
3 The additional FYC is bonusable. Available on all life insurance products and applications submitted using the Fast & Full Application until 11:59 pm ET on June 30, 2021. This promotion can be withdrawn by Empire Life at any time.
4 Time to issue using the Fast & Full Life App with eHQ and eContract delivery to a valid email address between April 1 and April 15, 2021. Empire Life data on file. 

The information in this document is for general information purposes only and is subject to change without prior notice. Empire Life assumes no responsibility for any reliance made on or any inaccuracy in the information contained in this document.

Policies are issued by The Empire Life Insurance Company.


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The Empire Life Insurance Company
259 King Street East, Kingston Ontario K7L 3A8
1 877 548-1881
8:30 am to 5:00 pm, EST weekdays

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