Whether your life’s goal is building wealth, having income for retirement or protecting your loved ones, Empire Life segregated funds have the choice and guarantees you need to help meet your financial goals for today and in the future.

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The lifecycle of Empire Life GIF

Protect their future while investing for yours

Wealth accumulation phase

Choose from our wide range of investment options to build and adjust your wealth plans as your needs evolve.


Just like any regular investment, you can start enjoying the fruits of your labour and begin withdrawing funds to support your retirement.


In the legacy phase, segregated funds provide fast and efficient distribution of your accumulated wealth to any designated beneficiaries.

For you:

  • Growth: Diverse range of investment solutions to help you grow your wealth
  • Protection: Creditor protection in some scenarios
  • Efficiency: Straightforward reporting that takes the time out of tax time.

For them:

  • Growth: Annual death benefit guarantee resets that only lock-in growth allowing your guarantees to keep pace with your investments
  • Protection: Insurance guarantees that help protect your legacy from market downturns
  • Efficiency: Fast, private, tax-free distribution of your wealth when your loved ones need it most.

Features of Empire Life Guaranteed Investment Funds


  • Diversified investment choices ranging from fixed income to 100% equity; helping you meet your evolving investing needs
  • Get the protection that suits you best; choose between 75% or 100% maturity benefit guarantee1 and 75% or 100% death benefit guarantee on deposits made to age 901


  • Automatic annual death benefit guarantee resets until age 80, lock in market gains allowing your guarantees to grow with your investment
  • Potential for creditor protection which may be particularly valuable for small business owners


  • Help secure your loved ones’ future while saving them from estate and probate fees if you name a beneficiary other than your estate
  • Combine your accounts with preferred pricing to save on fees and increase your wealth over time

1The maturity and death benefit guarantees are reduced proportionately for any withdrawals.


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To find out if an Empire Life investment is right for you, speak with your financial advisor or visit empire.ca/investments

A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value.