Why Choose Empire Life?

• It's our vision to be Canada’s most convenient insurance and investment company.

• Our mission is to help you build wealth and protect your financial security.

Empire Life by the numbers

A proudly Canadian company headquartered in Kingston, Ontario.

In business since 1923.

Among the top 10 life insurance companies in Canada.1

Rated A (Excellent) by A.M. Best Company.2

Partners with more than 29,000 professional financial advisors.

Insures over 600,000 Canadians.

Employs 820 people across Canada.

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about us

About us

It’s our vision to be Canada’s most convenient insurance and investment company.

Investment expertise

Investment expertise

For over 50 years, we’ve used a conservative, disciplined and value-oriented investment approach with a focus on downside protection.

Fund performance

Fund performance

Awarded five Fundata FundGrade A+ Awards for the “best of the best” funds in 2016.


To help protect what’s important to you, we offer a full range of investment, insurance and health solutions:


Guaranteed Investment Funds

Investment choice and flexibility, plus insurance benefits, combined in one solution.

Death and Maturity Benefit Guarantees ranging from 75% to 100%3.

Great choice for investors concerned about market risk, mature clients interested in estate planning, and small businesses concerned about the potential for creditor protection.

Class Plus 3.0

Guaranteed retirement income for life.

Receive 4% annual Income Base Bonus in every year that no withdrawals are made4.

Great choice for retirees who want predictable income5 to last their lives and for pre-retirees building a nest egg before starting to receive income.

Emblem GIF Portfolios

Simple, diversified investment solution in one decision to match your risk tolerance.

Available in Guaranteed Investment Funds and in Class Plus 2.1.

Great choice for investors who want an investment that’s simple to buy – try the Emblem Investor Profile Questionnaire >

Guaranteed Interest Contract

Offers the security of principal guarantees and valuable insurance benefits.

Variety of interest rate options and investment terms.

Great choice for investors who want capital protection and predictable, guaranteed growth6.


Secure and predictable guaranteed income payments7.

Choose from single and joint life, with payments for life or over a specific term, in various payment frequencies.

Great choice for investors who want an income solution that’s easy to buy and manage.

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Term life insurance

Specific amount of protection for as long as you want to keep it.

Available as Solution ART, Solution 10 and Solution 20.

Great choice for families with a new or existing mortgage ( Read our blog > ) and small business owners who need to cover overhead and start-up costs.

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 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.

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Critical illness insurance

Pays a lump sum benefit if you are diagnosed with a serious illness or condition covered by your insurance policy8.

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.

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1 Based on general fund and segregated fund assets in Canada as at December 31, 2016 as reported in regulatory filings.
2 As at June 1, 2017.
3 Guarantees are reduced proportionately by withdrawals.
4 Income Base Bonus is a notional amount added to the Income Base at the end of each calendar year, for the first 20 years of the contract, if no withdrawals are made for that year.
5 Making an excess withdrawal may decrease your guaranteed retirement income for life amount.
6 Withdrawals prior to maturity will be subject to a Market Value Adjustment
7 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.
8 Subject to the terms of your insurance contract.

We can put you in touch with an advisor to get you on track.Find an Advisor

Still have questions? An advisor can help you find the answers!

Saving for retirement is an important part of your financial plan and an advisor can help you find an investment solution that meets your needs.

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