{"id":2956,"date":"2024-07-27T01:39:43","date_gmt":"2024-07-27T01:39:43","guid":{"rendered":"https:\/\/policyarchitects.com\/CN\/?p=2956"},"modified":"2024-09-11T16:02:31","modified_gmt":"2024-09-11T16:02:31","slug":"empire-life-reviews","status":"publish","type":"post","link":"https:\/\/policyarchitects.com\/CN\/empire-life-reviews\/","title":{"rendered":"Empire Life Reviews! We Have Answers to Your Questions"},"content":{"rendered":"\n<p><strong>Are you scouring the internet for Empire Life Reviews to determine whether they&#8217;re the right life insurance company for you?\u00a0<\/strong><\/p>\n\n\n\n<p>Well as one of Canada&#8217;s eight largest insurers, Empire Life has a long history and a full range of products  affordable term insurance coverage.<\/p>\n\n\n\n<p><strong>So, let&#8217;s see if they may be the right choice to protect our loved ones.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><a href=\"https:\/\/policyarchitects.com\/CN\/free-quote\/\"><img decoding=\"async\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2018\/05\/actionbutton-1.gif\" alt=\"\" style=\"width:343px;height:auto\"\/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"t-1647474771626\"><strong>Empire Life Insurance Company: So What&#8217;s the Deal?<\/strong><\/h2>\n\n\n\n<p>Empire Life was established in 1923 and went through a series of mergers and acquisitions <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">leading up to\u00a0<strong>E-L Financial Corporation&#8217;<\/strong><\/span><strong>s establishment<\/strong> in 1969.<\/p>\n\n\n\n<p>With additional acquisitions in 1987, the company adopted the name <strong>Empire Financial Group<\/strong> and then rebranded as <strong>Empire Life<\/strong> in 2006.<\/p>\n\n\n\n<p>Empire&#8217;s Head Office has been in Kingston, Ontario, since 1936. Since the mid-&#8217;50s, three generations of the Jackman family have controlled Empire, which has&nbsp;a very small amount of publicly traded stock.&nbsp;<\/p>\n\n\n\n<p><strong>Not beholden to shareholders, Empire Life takes a&nbsp;more long-term perspective, concentrating on&nbsp;the business at hand and sustainable growth.<\/strong><\/p>\n\n\n\n<p>So far, so good!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"t-1647474114591\"><strong>Accolades&nbsp;<\/strong><\/h3>\n\n\n\n<p>This insurer has been in business for a century and has nearly 1000 employees nationwide. It currently manages assets of more than $16 billion.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In 2013 &amp; 2014, World Finance Magazine named Empire the Best Canadian Life Insurance Company.<\/li>\n\n\n\n<li><strong>The Insurance Canada Business Awards<\/strong> recognized Empire Life as<strong> 2019\u2019s Life and Health Insurer of the Year <\/strong>(the third time in four years Empire received this honor).<\/li>\n\n\n\n<li>In 2022, they received the Fundata FundGrade A+ Award.<\/li>\n<\/ul>\n\n\n\n<p>These honors acknowledge Empire Life&#8217;s work to further its vision of becoming Canada&#8217;s most convenient insurance and investment company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tab-con-7\">&nbsp;<strong>Empire Life&nbsp;Financial Rating&nbsp;<\/strong><\/h2>\n\n\n\n<p>The financial stability of the institution you select is important because you want them to make good at some point if your family needs a payout. This is a long-term&nbsp;investment, which means you should pick&nbsp;an insurer with a rock-solid foundation.<\/p>\n\n\n\n<p>&#8230;.and these ratings are certainly\u00a0sweet! <strong>A.M. Best gives Empire an A rating, and DBRS echoes that sentiment with another A rating.\u00a0\u00a0<\/strong><\/p>\n\n\n\n<p>The good news is that if you sign on with Empire Life, your premiums are safe with them.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><a href=\"https:\/\/policyarchitects.com\/CN\/free-quote\/\"><img decoding=\"async\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2018\/05\/actionbutton-1.gif\" alt=\"\" style=\"width:343px;height:auto\"\/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"tab-con-15\"><strong>Empire Life Insurance&nbsp;Products&nbsp;<\/strong><\/h2>\n\n\n\n<p>Empire Insurance is a large company with an extensive offering.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Empire Permanent Non-Participating Whole Life Insurance<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114595\"><strong>Solution 100<\/strong><\/h4>\n\n\n\n<p>Empire Life&#8217;s Solution 100 is a permanent, non-participating whole-life insurance policy that covers you for life (payable to 100 years of age).<\/p>\n\n\n\n<p>Features include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fully guaranteed rates and coverage&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Guaranteed cash surrender values available after four years<\/strong><\/li>\n\n\n\n<li><strong>You are free to add CI Protect (critical illness) or other Solution plans as a rider to save fees<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Empire Permanent Participating Whole Life Insurance<\/strong><\/h3>\n\n\n\n<p><strong>Empire Whole Life insurance is designed for estate protection and wealth accumulation.<\/strong><\/p>\n\n\n\n<p>With the potential for dividends, policyholders can share in Empire Life&#8217;s participating profits.<\/p>\n\n\n\n<p>There are two types of <strong>Empire whole life<\/strong> policies: <strong>Estatemax<\/strong> and <strong>Optimax&nbsp;Wealth<\/strong>. Both of these coverages are known as <a href=\"https:\/\/policyarchitects.com\/CN\/cash-value-life-insurance\/\">cash value life insurance<\/a> and may earn annual dividends, which can be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>paid to you<\/strong><\/li>\n\n\n\n<li><strong>used to purchase additional life insurance coverage<\/strong><\/li>\n\n\n\n<li><strong>placed in savings<\/strong><\/li>\n\n\n\n<li><strong>used to pay policy premiums&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Both plans have four guaranteed payment options: 8-Pay, 10-Pay, 20-Pay, and Pay\u2014100 (life pay).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114597\"><strong>Empire Estatemax<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fully guaranteed rates and coverage&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Guaranteed cash surrender values available after four years<\/strong><\/li>\n\n\n\n<li><strong>You are free to add CI Protect (critical illness) or other Solution plans as a rider to save fees<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114598\"><strong>Empire Optimax Wealth<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fully guaranteed rates and coverage&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Guaranteed cash surrender values available after four years<\/strong><\/li>\n\n\n\n<li><strong>You are free to add CI Protect (critical illness) or other Solution plans as a rider to save fees<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Combines the benefits of life insurance coverage with the opportunity for savings.<\/strong> This policy is designed for individuals looking to grow their&nbsp;money in the short term through guaranteed cash value and the accumulation of annual policy dividends.<\/p>\n\n\n\n<p>As such, the monthly costs are higher than those of Empire Life&#8217;s Estatemax.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"500\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Is-Empire-Life-a-good-insurance-company-.png\" alt=\"\" class=\"wp-image-3011\" srcset=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Is-Empire-Life-a-good-insurance-company-.png 900w, https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Is-Empire-Life-a-good-insurance-company--300x167.png 300w, https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Is-Empire-Life-a-good-insurance-company--768x427.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Empire Life Term Insurance<\/strong><\/h3>\n\n\n\n<p><strong>Please take note if you are looking through Empire Life Reviews.<\/strong><\/p>\n\n\n\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><strong>I recommend term life insurance the most.<\/strong>&nbsp;It&#8217;s p<\/span>ure insurance, which means it covers you for some time when you&#8217;re most vulnerable.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>An Ontario man found out that a line of credit he thought was insured actually isn&#8217;t after his wife of 50 years died. When I found out I wasn\u2019t insured, I was just devastated,&#8221; said John Richards of Uxbridge, Ont. Richards said he and his wife Sandra wanted to take out a Home Equity Line of Credit (HELOC) for $150,000, but they said they also wanted to have life insurance on the loan in case anything happened.&#8221; Too many Canadians are either uninsured or underinsured, and a death will be financially devastating!<\/p>\n<\/blockquote>\n\n\n\n<p>You pay premiums for a designated time: 10, 20, 30 years, etc. <strong>If you die during that term, the insurance company pays out cash, tax-free, to your family.<\/strong> Also, your monthly costs are guaranteed to stay the same for the term, no matter what.<\/p>\n\n\n\n<p><strong>Unlike permanent insurance, Term has no investment component.<\/strong><\/p>\n\n\n\n<p><strong>It&#8217;s used primarily to replace the loss of income from a breadwinner&#8217;s untimely death.<\/strong> For 90% of people, this is the most important issue: making sure their family continues to get an income should they die prematurely.<\/p>\n\n\n\n<p>All Empire Life term insurance offers:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>&nbsp;Level &amp; guaranteed premiums for the length of term<\/strong><\/li>\n\n\n\n<li><strong>Renewable premiums beyond the original term, guaranteed for life<\/strong><\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114599\"><span style=\"text-decoration: underline;\"><strong>Solution 10<\/strong>, 15, 20, 25, &amp; 30<\/span><\/h4>\n\n\n\n<p><span style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Empire Life&#8217;s Solution term life insurance provides guaranteed monthly costs for 10, 15, 20, 25 &amp; 30  years<\/span>.<\/p>\n\n\n\n<p>Features include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Term coverage to protect you from mortgages, debts and loss of breadwinner&#8217;s income<\/strong><\/li>\n\n\n\n<li><strong>You can add Solution term to one of their other Solution Series products&nbsp;or CI Products to create a comprehensive insurance package and save on fees<\/strong><\/li>\n\n\n\n<li><strong>Convert your Solution 10 to Solution 20 or Solution 30 coverage within the first five years of your policy under Empire Life&#8217;s Term Exchange Program<\/strong><\/li>\n\n\n\n<li><strong>Conversion to a&nbsp;permanent policy if you still need coverage&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114600\"><strong><span style=\"text-decoration: underline;\">Solution ART<\/span><\/strong><\/h4>\n\n\n\n<p>Empire Life&#8217;s <strong>Solution ART<\/strong> offers guaranteed premium rates with no increases for the first three years.<\/p>\n\n\n\n<p>Your premiums increase yearly thereafter, with the last premium increase occurring on the premium renewal at age 85.<\/p>\n\n\n\n<p>Features include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conversion to a permanent policy if you still need coverage&nbsp;<\/strong><\/li>\n\n\n\n<li><strong>Ideal for people who need temporary insurance to cover a loan, etc.<\/strong><\/li>\n\n\n\n<li><strong>Add another Solution Series product or an Empire Life critical illness rider to create a comprehensive insurance package and save on fees<\/strong><\/li>\n\n\n\n<li><strong>Convert your Solution ART to Solution 20 or Solution 30 coverage within the first five years of your policy under Empire Life&#8217;s Term Exchange Program<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Guaranteed Issue Permanent Life Insurance Protection<\/strong><\/h3>\n\n\n\n<p>Empire Life recently entered the Simplified-Issue market by introducing its <strong>Guaranteed Life Product<\/strong> in November 2018.<\/p>\n\n\n\n<p><strong>What is&nbsp;no medical life insurance?<\/strong> This protects people with insurability issues who don&#8217;t want to answer health questions and <a href=\"https:\/\/policyarchitects.com\/CN\/final-expense-insurance\/\">may be looking to cover debts and final expenses.<\/a><\/p>\n\n\n\n<p><em>Like other products on the market<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><em>, s<\/em><\/span>uch as&nbsp;Canada Protection Plan&#8217;s Guaranteed Acceptance Life, Empire&#8217;s guaranteed life product has a 2-year waiting period.<\/em><\/p>\n\n\n\n<p>How does it work? If you die within the first two years of the policy, Empire will NOT pay out the death benefit. <strong>They will, however, pay back all the premiums you paid to date<\/strong>&nbsp;\u2013 minus interest.<\/p>\n\n\n\n<p>You&#8217;re good to go if you make it past the 2-year mark.<\/p>\n\n\n\n<p><strong>They also pay the death benefit out within two years if you die as a result of an accident.&nbsp;<\/strong><\/p>\n\n\n\n<p>The best part? Most other Guaranteed life insurance products in the Canadian market cap out at $25,000. <strong>Empire Life&#8217;s Guaranteed Life Product provides coverage up to $50,000<\/strong> if you&#8217;re between the ages of 40 and 50.<\/p>\n\n\n\n<p><strong>Before you pull the trigger on Guaranteed Issue, check out my post about <\/strong><a href=\"https:\/\/policyarchitects.com\/CN\/life-insurance-no-medical-exam-no-waiting-period\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>No Medical Life Insurance here.<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Empire Life Critical Illness Insurance<\/strong><\/h3>\n\n\n\n<p><strong>Empire Life Critical Illness insurance is designed to pay you a tax-free, one-time lump sum when you develop a critical illness as defined by your policy.<\/strong><\/p>\n\n\n\n<p>It was invented by a South African doctor who noticed his patients&#8217; outcomes were affected by financial stress when they had to stop working to focus on fighting their illnesses.<\/p>\n\n\n\n<p><strong>Statistics tell us that most people survive a serious illness, but their finances often don&#8217;t.<\/strong><\/p>\n\n\n\n<p>Critical illness coverage is ideal and most affordable for healthy people who want to safeguard their family&#8217;s lifestyle against the threat of a serious illness.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114605\"><strong>Empire Life CI Protect&nbsp;<\/strong><\/h4>\n\n\n\n<p>Empire Life CI Protect Critical Illness Insurance is a renewable product that covers four conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>life-threatening Cancer<\/strong><\/li>\n\n\n\n<li><strong>Coronary artery bypass surgery<\/strong><\/li>\n\n\n\n<li><strong>Heart Attack<\/strong><\/li>\n\n\n\n<li><strong>Stroke<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This type of protection is designed with level monthly costs in 10-year increments. The coverage renews automatically at the end of each 10-year term, and the monthly cost increases.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"t-1647474114606\"><strong>Empire Life CI Protect Plus<\/strong><\/h4>\n\n\n\n<p><strong>Empire Life CI Protect Plus<\/strong> Critical Illness Insurance is more comprehensive coverage. It protects you for 25 insured conditions and is available in 10-year terms, 20-year terms, and terms to age 75.<\/p>\n\n\n\n<p>Opting for Term 75 means your monthly costs are guaranteed to remain the same until you reach age 75, after which the policy terminates.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><a href=\"https:\/\/policyarchitects.com\/CN\/free-quote\/\"><img decoding=\"async\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2018\/05\/actionbutton-1.gif\" alt=\"\" style=\"width:308px;height:auto\"\/><\/a><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"t-1647555968279\"><strong>Empire Life&nbsp;Insurance Rates<\/strong><\/h2>\n\n\n\n<p><strong>The table above illustrates why getting long-term life insurance when you&#8217;re younger is a good idea. It shows how expensive it can get if you wait to obtain coverage!<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Age<\/th><th>$250,000<\/th><th>$500,000<\/th><\/tr><\/thead><tbody><tr><td><strong>35 Ye<\/strong><strong>ar Old Male&nbsp;<\/strong><\/td><td><strong>$19.53<\/strong><\/td><td><strong>$31.95<\/strong><\/td><\/tr><tr><td><strong>35 Year Old Female<\/strong><\/td><td><strong>$15.07<\/strong><\/td><td><strong>$23.85<\/strong><\/td><\/tr><tr><td><strong>40 Year Old Male<\/strong><\/td><td><strong>$27.45<\/strong><\/td><td><strong>$45.90<\/strong><\/td><\/tr><tr><td><strong>40 Year Old Female<\/strong><\/td><td><strong>$20.48<\/strong><\/td><td><strong>$34.65<\/strong><\/td><\/tr><tr><td><strong>45 Year Old Male<\/strong><\/td><td><strong>$42.52<\/strong><\/td><td><strong>$70.38<\/strong><\/td><\/tr><tr><td><strong>45 Year Old Female<\/strong><\/td><td><strong>$30.38<\/strong><\/td><td><strong>$53.55<\/strong><\/td><\/tr><tr><td><strong>50 Year Old Male<\/strong><\/td><td><strong>$70.42<\/strong><\/td><td><strong>$126.45<\/strong><\/td><\/tr><tr><td><strong>50 Year Old Female<\/strong><\/td><td><strong>$47.92<\/strong><\/td><td><strong>&nbsp;$85.05<\/strong><\/td><\/tr><tr><td><strong>55 Year Old Male<\/strong><\/td><td><strong>$125.33<\/strong><\/td><td><strong>$214.20&nbsp;<\/strong><\/td><\/tr><tr><td><strong>55 Year Old Female<\/strong><\/td><td><strong>$83.93<\/strong><\/td><td><strong>&nbsp;$152.55<\/strong><\/td><\/tr><tr><td><strong>60 Year Old Male<\/strong><\/td><td><strong>$225.90<\/strong><\/td><td><strong>$403.65<\/strong><\/td><\/tr><tr><td><strong>60 Year Old Female<\/strong><\/td><td><strong>$150.97<\/strong><\/td><td><strong>$281.70<\/strong><\/td><\/tr><tr><td><strong>65 Year Old Male<\/strong><\/td><td><strong>$374.62<\/strong><\/td><td><strong>$681.30<\/strong><\/td><\/tr><tr><td><strong>65 Year Old Female<\/strong><\/td><td><strong>$251.78<\/strong><\/td><td><strong>$474.30<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Quotes above are for <strong>Empire Life&#8217;s Solution 20<\/strong>, monthly, Standard Health Class, non-smoker. Your rates may differ depending on your unique circumstances. July 2024 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-empire-pro-s\"><strong>Empire &#8211; Pro<\/strong>s<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-43\"><strong><span style=\"text-decoration: underline;\">1. Easy To Do Business With&nbsp;<\/span><\/strong><\/h3>\n\n\n\n<p><strong>Their website shows Empire&#8217;s vision to be Canada&#8217;s most convenient insurance and investment company.<\/strong><\/p>\n\n\n\n<p>Well, it looks like they&#8217;re making some good progress in that direction. As 2019&#8217;s Life and Health Insurer of the Year (The Insurance Business Canada Awards), Empire Life is an easy company for both advisors and customers to do business with.<\/p>\n\n\n\n<p>Why should you care if it&#8217;s easier for your advisor to work with Empire Life Insurance? <strong><em>A smooth agent\/ company process means a quicker, more effective transaction for you.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-44\"><span style=\"text-decoration: underline;\">2. <strong>Excellent E-Application &amp; User Experience<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Empire Insurance&#8217;s Fast and Full Life Application Process is among the best in the Canadian marketplace.<\/strong><\/p>\n\n\n\n<p>As increasing numbers of us become comfortable with digitalization and using online tools to perform transactions, Empire Life shows up as a <strong>digital leader<\/strong> in Canadian life insurance.<\/p>\n\n\n\n<p>As the name suggests, Empire Life&#8217;s Fast and Full Application platform helps speed up the process. Wait tim<strong>es are unavoidable sometimes, especially when you have health conditions, but all things considered equal, I&#8217;ll take the fast route!<\/strong><\/p>\n\n\n\n<p>Speaking of health conditions&#8230;check out my post on life insurance for<a href=\"https:\/\/policyarchitects.com\/CN\/affordable-high-risk-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"> high risk people here.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"t-1647474114638\"><span style=\"text-decoration: underline;\">3. <strong>Wide Selection of Products, Including Group Benefits&nbsp;<\/strong><\/span><\/h3>\n\n\n\n<p>Empire Insurance&#8217;s offerings include life insurance, critical illness coverage, investment options, and employee benefits plans.<\/p>\n\n\n\n<p>Sometimes, too many products on the shelf can indicate that a company is stretched too thin. Not in this case.<\/p>\n\n\n\n<p><strong>Empire Life is equally diversified across its three main product categories<\/strong>: Individual Insurance, Employee Benefits, and Wealth Management.<\/p>\n\n\n\n<p><strong>Each line item makes up approximately 33% of Empire&#8217;s revenue and premium income, making the company strong and balanced.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-45\"><span style=\"text-decoration: underline;\">4. <strong>One of the Better-Performing Whole Life Products in Canada<\/strong><\/span><\/h3>\n\n\n\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">Along with&nbsp;<a href=\"https:\/\/policyarchitects.com\/CN\/equitable-life-canada\/\" target=\"_blank\" rel=\"noopener\">Equitable Life<\/a>, Empire&#8217;s whole life insurance has performed well for pol<\/span>icyholders in the long term. Empire Life&#8217;s participating account has an average rate of return of 7.44% over the past 30 years and 5.99% over the last 10 years. Not bad! Also, Empire is one of the only carriers with the option to pay up the policy in 8 years, allowing consumers to optimize growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-46\"><strong><span style=\"text-decoration: underline;\">5. Solid Financials<\/span><\/strong><\/h3>\n\n\n\n<p>Speaking of strength, Empire Life Insurance is <strong>Rated &#8216;A&#8217; by Dominion Bond Rating Service (DBRS) and A.M. Best Company.&nbsp;<\/strong>This carrier will be around for a long time.<\/p>\n\n\n\n<p><strong>Knowing your investment in your family&#8217;s future is safe feels good!<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-47\"><span style=\"text-decoration: underline;\">6. <strong>Higher Term Coverage Age (85)<\/strong><\/span><\/h3>\n\n\n\n<p>Empire Life covers term insurance up to age 85. <strong>That means you&#8217;re still eligible to apply for a term 30 policy with Empire when you&#8217;re 55. &nbsp;<\/strong><\/p>\n\n\n\n<p>Why is this important? More of us are living longer and starting families later in life (Heck, I became a father for the first time at age 47). &nbsp;This means we may be carrying longer mortgages than our parent&#8217;s generation.<\/p>\n\n\n\n<p><strong>It&#8217;s nice to know that you can get term coverage that lasts until age 85! With some carriers, getting long-term protection can be challenging for those over 50<\/strong>.<\/p>\n\n\n\n<p>Check out my article on <a href=\"https:\/\/policyarchitects.com\/CN\/best-life-insurance-for-senior-citizens\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>term life insurance for senior citizens<\/strong><\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"t-1647555968282\"><strong>Empire Life Insurance Cons<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-50\"><strong><span style=\"text-decoration: underline;\">1. A Huge Selection of Products<\/span><\/strong><\/h3>\n\n\n\n<p>This is only a partial Con because there&#8217;s no question &#8211; <strong>Empire Life has a very impressive range of products, and they&#8217;re well diversified. <\/strong>The question is, is it possible to do a good job servicing them all?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-51\"><span style=\"text-decoration: underline;\">2. <strong>No Universal Life Product<\/strong><\/span><\/h3>\n\n\n\n<p>This is only a partial Con, too, as Empire Life does have very solid whole life products. I also tend to recommend Whole Life over Universal Life as it&#8217;s more straightforward and less complicated.<\/p>\n\n\n\n<p><strong>However, if you&#8217;re looking for the flexibility of a <\/strong><a href=\"https:\/\/policyarchitects.com\/CN\/universal-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Universal Life product<\/strong><\/a><strong>, you&#8217;ll have to look elsewhere.\u00a0<\/strong>A few years ago, they phased out their Universal Life insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tab-con-23\"><strong>Is Empire Life&nbsp;<\/strong><strong>The Right Company For YOU!?<\/strong><\/h2>\n\n\n\n<p>We have the most comprehensive review out of the Empire Life Reviews because we take the time to examine all the factors that make companies good.<\/p>\n\n\n\n<p>Honestly<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">,&nbsp;Em<\/span>pire Life Insurance is one of my favorite companies.&nbsp;They truly are a terrific option for people looking to protect their families.&nbsp;Empire&#8217;s term insurance is always among the most affordable in the country.<\/p>\n\n\n\n<p>First and foremost, they are an insurer built on a solid financial foundation&#8230;<\/p>\n\n\n\n<p>They have a terrific selection of products delivered with a competitive price tag.<\/p>\n\n\n\n<p><strong>Empire Life is a forward-thinking company that will expand into the future, and I feel confident when I recommend it to my clients.&nbsp;<\/strong><\/p>\n\n\n\n<p><em>That being said, they are not for everyone.<\/em> For example, if you have <a href=\"https:\/\/policyarchitects.com\/CN\/can-diabetics-get-life-insurance\/\">well-managed diabetes<\/a>, I can think of other carriers that may view you more leniently.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tab-con-55\"><strong>All Life Insurance Companies Are NOT the Same!&nbsp;<\/strong><\/h3>\n\n\n\n<p>As I&#8217;ve repeated ad nauseam, every life insurance carrier is unique, and Empire is no different.<\/p>\n\n\n\n<p><strong>The challenge is to find the company that will view you in the most favorable light.&nbsp;<\/strong><\/p>\n\n\n\n<p><em>We work with the best life insurance companies in Canada<\/em>. <a href=\"https:\/\/calendly.com\/policyarchitects\/life-insurance-consultation?month=2020-05\"><strong>If you want an Empire Life Insurance quote, click the button below or schedule a no-obligation call here.<\/strong><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"500\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Empire-Life-Canada.png\" alt=\"\" class=\"wp-image-3007\" srcset=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Empire-Life-Canada.png 900w, https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Empire-Life-Canada-300x167.png 300w, https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2024\/07\/Empire-Life-Canada-768x427.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter is-resized\"><a href=\"https:\/\/policyarchitects.com\/CN\/free-quote\/\"><img decoding=\"async\" src=\"https:\/\/policyarchitects.com\/CN\/wp-content\/uploads\/2018\/05\/actionbutton-1.gif\" alt=\"\" style=\"width:319px;height:auto\"\/><\/a><\/figure>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Are you scouring the internet for Empire Life Reviews to determine whether they&#8217;re the right life insurance company for you?\u00a0 Well as one of Canada&#8217;s eight largest insurers, Empire Life has a long history and a full range of products affordable term insurance coverage. So, let&#8217;s see if they may be the right choice to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3004,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v23.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Empire Life Reviews: Check Out Their 2024 Offering<\/title>\n<meta name=\"description\" content=\"Empire Life Reviews! Are they the right life insurance company for you? Find out right now. 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