Empire Life - Life InsuranceFounded: 1923
    • Term Insurance
      Permanent Insurance
      Participating Insurance
      Disability Insurance
      Critical Illness Insurance

LICAT Ratio 2023
Financial Rating: A

Empire logoEmpire Life of Canada is a leading provider of life insurance and financial security solutions. With a commitment to helping individuals and families protect their financial well-being, Empire Life offers a range of products designed to meet various needs and circumstances. Whether you are looking for affordable term life insurance, wealth accumulation strategies, protection against critical illness or disability, or mortgage coverage, Empire Life has solutions to provide you with peace of mind.

Term Life Insurance: Immediate Protection for Your Loved Ones

When it comes to protecting your family or your business, Empire Life's term life insurance options offer immediate coverage for as long as you need it. Whether you have a new or existing mortgage, are a small business owner, or simply want affordable coverage with future flexibility, term life insurance can provide the financial security you and your loved ones deserve. By determining your coverage needs, you can find the right term life insurance plan that fits your lifestyle.

As per LIMRA's report, 61% of Canadians have no coverage or inadequate life insurance coverage. This statistic highlights the importance of working with an advisor who can guide you through the process and show you how life insurance can provide the necessary protection and peace of mind. Connect with one of our advisors today to explore your options and secure your family's financial future.

Grow Your Wealth with Empire Life's Participating Life Insurance

Empire Life also offers permanent participating (PAR) life insurance, which is designed for wealth accumulation and estate protection. With potential dividends and the opportunity to share in the company's participating profits, this type of insurance allows you to grow your wealth while ensuring financial security for your loved ones.

Whether you are a young individual taking advantage of lower rates, a family seeking stability in investment returns, or a small business in need of short and long-term protection, Empire Life's permanent participating life insurance plans can meet your needs. Speak with one of our advisors to learn more about how Empire Life can help you grow your wealth while providing essential protection.

Mitigate the Financial Impact of Critical Illness or Disability

Dealing with the diagnosis of a critical illness or a disability that prevents you from working can be emotionally and physically draining. However, it's crucial to consider the potential financial impact such circumstances can have. Empire Life understands the challenges individuals face when dealing with these situations and offers a range of living benefits to help mitigate the financial burden.

By exploring Empire Life's living benefits options, you can ensure that you and your family are financially protected during challenging times. Connect with one of our advisors today to discover how Empire Life's living benefits can provide the support you need to navigate through critical illnesses or disabilities.

Empire Life Disability Credit Protect: Ensuring Financial Stability during Disability

Empire Life Disability Credit Protect is an optional coverage that provides protection for individuals and their families in the event of a disability that hinders their ability to work. This coverage is specifically designed to help you meet your monthly credit obligations, such as a mortgage or rent payments when you are unable to work due to a disability.

By adding Disability Credit Protect to your new life insurance policy from Empire Life, you can receive a monthly benefit for up to 24 months, ensuring that you can maintain your lifestyle while you recover. The coverage allows you to choose either a 12-month or a 24-month benefit period plan, with the ability to cover eligible debts for up to $3,500 per month or 3.5% of the life insurance you are applying for, whichever is lower.

Qualifying for Empire Life Disability Credit Protect is easy, with simple health questions determining eligibility. As the owner of the coverage, you can rest assured that it stays with you even if you change lenders. Speak with one of our advisors to determine if you qualify for this coverage and to gain a comprehensive understanding of its important details.

Find a Life Advisor: Your Key to Financial Security

Life Insurance Solutions understands the importance of finding the right advisor to guide you through the process of securing your financial future. By connecting with one of our Life advisors, you gain access to professional expertise and personalized solutions that align with your unique needs and goals.

Whether you are looking to protect your family with life insurance, grow your wealth through investment strategies, or navigate the complexities of living benefits, an advisor from Life Insurance Solutions can provide the necessary guidance and support.


Empire Life of Canada is a trusted provider of life insurance solutions and financial security solutions. With a wide range of products designed to meet diverse needs, Empire Life offers immediate protection through term life insurance, wealth accumulation strategies through participating life insurance, and financial stability during critical illnesses or disabilities via living benefits options. Additionally, Empire Life's Disability Credit Protect coverage ensures that individuals and families can maintain their financial obligations during periods of disability.

By connecting with one of our Life advisors, you can access the expertise and personalized solutions necessary to secure your financial future. With a commitment to providing peace of mind, Life Insurance Solutions is dedicated to helping you protect what matters most. Take the first step towards financial security by contacting us today.

Additional Information:

  • Empire Life of Canada
  • Ontario