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Empire Life will be ending the temporary partial management fees waiver for its Money Market Fund. The last date the waiver will be applied is December 30, 2016. Learn more. 

Empire Life is pleased to announce the latest additions to our product portfolio Optimax Wealth™ and Solution ART. Optimax Wealth™, our newest participating life insurance plan is designed to offer early cash values and competitive long term values. Solution ART is our newest term insurance plan designed for clients wanting affordable short-term insurance coverage now.

Due to changes in the Canadian Income Tax Act mortality tables will be updated January 2, 2017. There will be no change to the gross amount of income that a prescribed annuity issued by Empire Life generates. What will change is the taxable portion of each prescribed annuity payment, with a higher portion of each payment being taxable under the new formula. To be eligible for the 2016 formula for prescribed annuity taxation all applications and money must be received in good order by December 30, 2016. All applications and/or money received after December 30th, 2016 will receive the 2017 formula for prescribed annuity taxation. This includes letters of commitment that were submitted in December and funds received in 2017; the taxable portion will be re-calculated based on the new rates.

Did you know that the annuity quote guarantees the interest rate used to calculate your annuity payment, not the income amount.  The income quoted may vary if any of the quote details (i.e., purchase date, income starting date, date of birth etc.) used in the calculation change.

Read information circular 2016-27 for the cut-off and pay dates for 2017. In order for commissions to be reflected on each pay, all outstanding requirements must be in Head Office and the policy settled by these dates.

With this release we will be completing the move from two illustration systems to one!  This will make creating sales illustrations for our life and critical illness products, Simple Fast & Easy. You will be able to illustrate combinations of all of our products on one system and one illustration report. For the full details on this update, please see information circular 2016-17.

Don't miss our holiday hours of operation and year-end cut-off dates for Retail business.

Read information circular 2016-26 for all dates and times.

Starting January 1, 2017, changes to Canada’s Income Tax Act will affect the taxation of life insurance policies in Canada and change the exempt test rules. Please visit our website for a summary of all the changes that Empire Life is making to its product line-up to prepare for this change.

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We have updated our commission schedule to include product commissions for Optimax Wealth and Solution ART. 

Please see our website for the most recent schedules, and see information circular 2016-22 for more details.

We issued a press release on our third quarter 2016 earnings. You can read the full release here.

In order to have access to your clients’ personal information collected on the application and during the evaluation or underwriting process, clients must sign optional section 9.6 of the application? If that section of the application is not signed, Empire Life cannot disclose this information to advisors.