The investment, insurance and health solutions to help protect what’s important.

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Life & Money Matters
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Investments
“Guaranteed
Guaranteed Investment Funds
  • Investment options sold within an insurance policy, providing you with Death and Maturity Benefit Guarantees
  • Available in a variety of funds ranging from bonds funds to equity funds
  • Great choice for people concerned about market risk, or interested in estate planning or creditor protection
  • Available in RRSP, TFSA, RRIF and non-registered plans
Download our flyer about the benefits of Guaranteed Investment Funds ›
“Class
Class Plus 3.0
  • Provides predictable monthly income that is guaranteed for life1
  • Great choice for people who are concerned they may run out of money in retirement
  • Available in a variety of funds ranging from bonds funds to equity funds
  • Available in RRSP, TFSA, RRIF and non-registered plans
Download our flyer about the benefits of Class Plus 3.0 ›
“Guaranteed
Guaranteed Interest Contract
  • Our GICs are insurance contracts which provide you with valuable estate planning and tax benefits
  • Choose your interest rate option and investment term
  • Great choice for people who want capital protection and predictable, guaranteed growth
  • Available in RRSP, TFSA, RRIF and non-registered plans
Download our flyer to learn how our GICs can help you achieve your financial goals ›
“Annuities“
Annuities
  • Provides secure and predictable guaranteed income payments2
  • Choose how many years your income lasts and how often you receive your income
  • Great choice for people who want an income solution that’s easy to manage
  • Available in registered and non-registered plans
An annuity can be part of a worry-free retirement. Read our brochure! ›
Insurance
“Term
Term life insurance
  • Specific amount of protection for as long as you want to keep it
  • Available as Solution ART, Solution 10, Solution 20 and Solution 30
  • Great choice for families with a new or existing mortgage and small business owners who need to cover overhead and start-up costs
See our blog about mortgage insurance ›
“Permanent
Permanent non-participating life insurance
  • Guaranteed lifetime protection with no change in cost, and with guarantees to help along the way
  • Available as Solution 100
  • Great choice for mature clients looking to protect the value of their estate or to make a gift to their favourite charity
“Permanent
Permanent participating life insurance
  • Guaranteed lifetime protection with no change in cost, with cash surrender values.
  • Plus "participate" in any profits through dividends declared on the policy
  • Available as Optimax Wealth and EstateMax
  • Great choice for families and small businesses looking for protection, and mature clients looking to protect their estate
“Critical
Critical illness insurance
  • Pays a lump sum benefit if you are diagnosed with a serious illness or condition covered by your insurance policy3
  • Available in CI Protect and CI Protect Plus policies
  • Great choice for families who want to cover expenses associated with your recovery from a critical illness or condition that leaves you treatment or are unable to work

Want to learn more? Click on a subject below

1 Making an excess withdrawal may decrease your guaranteed retirement income for life amount.

2 An annuity is an insurance contract where in exchange for a one-time deposit, you will receive guaranteed income payments from Empire Life. The amount of income you receive depends on a variety of factors including the amount you deposit, current interest rates, your age and the type of annuity you choose. Once an annuity has been purchased, the funds cannot be withdrawn.

3 Subject to the terms of your insurance contract.

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.

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