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Learn about Empire Life Health Insurance Plan

Empire Life (also known as Empire Vie) is a financial service and life insurance company in Canada, founded in 1923 and headquartered in Kingston, Ontario. Its parent company is E-L Financial Corporation and its subsidiary is Empire Life investment inc. Empire Life provides investment products, life, and health insurance as well as group life and health insurance products.

6 years after it was founded, Empire Life merged with the Commonwealth Life and Accident Insurance Company. Subsequently, it acquired the Canadian Order of Odd Fellows insurance portfolio in 1934 and later merged with the Mutual Relief Life Insurance Company in 1936. Empire Life surpassed $8.5 billion in assets under management in 2009. Today, the company is one of the top 10 life insurance companies in Canada.

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What Does Empire Life Group Benefit Cover?

Empire Life offers several group insurance benefits for group members and administrators. Several products are provided under the group plan. These include:

  • BeneFit
  • 20Plus
  • Administrative Services Only (ASO)
  • Cost Plus
  • Critical Illness Insurance
  • Critical Illness – Health Concierge Service
  • Dental Benefits
  • Disability Benefits
  • Drug Benefits
  • eClaims
  • Employee Assistance Program (EAP)
  • Expatriate Benefits
  • Extended Health Benefits
  • Health Care Essentials
  • Life/Accidental Death & Dismemberment
  • Travel Emergency Assistance
  • Incidental Health Expense
  • Healthcare Pooling and
  • Health Care Spending Account (HCSA).

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What are the Different Health Insurance Plans Offered by Empire Life

Empire Life provides extended health benefits (EHB) in its group insurance plan. EHB covers healthcare costs not covered by your provincial healthcare plans. With Extended Health Care Benefits, you can design a plan that considers your budget and benefits philosophy. Furthermore, you can decide the amount you will invest in each benefit type such as major medical, prescription drugs, vision care and paramedical etc.

You can also take advantage of the drug and dental benefits provided to group members. Each of the benefits offers comprehensive coverage.

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News about Empire Life

In its second quarter result on August 2, 2018, Empire Life Insurance Company reported a common shareholder’s net income of $57.3 million which is $23.9 million higher when compared to $33.4 million for 2017. This reflects a 71% increase; the common shareholder’s net income for 2017 was $83.6 million but with the second quarter result, it increased to $96.0 million.

Several factors can be attributed to the increase in earnings in the second quarter of 2018 when compared to 2017. These include the increased gain due to management actions, greater investment gains in the various individual product lines of the company and the enhanced operating performance across all the product lines.

Furthermore, the 15% increase in the common shareholder’s net income year to date is due to better operating performance through the entire product lines, higher experience gains in the individual insurance and employee benefit product lines.

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Empire Life FAQ

How do I submit an eClaim using the new mobile solution?

Log on to benefitsmobile.empire.ca on your mobile device and enter your plan member username and password. Select “Enter an eClaim”. Follow the required steps and fill in all the required information. Keep your original receipt safe for at least one year, in case the claim is chosen for a review.

How does Empire Life handle my personal information access request?

Empire Life will ensure that they respond to your request within 30 days. However, if they are not able to respond to the request in 30 days, they will notify you and explain why they need additional time.

What types of life insurance are available in Empire Life?

Empire Life offers two types of life insurance coverage. These include

  1. Term life insurance: designed to provide a specific death benefit if you die during a specified term. Terms may be in a number of years such as 10 or 20 years or a set age such as age 75.
  2. Permanent life insurance: this is designed to provide you with whole life insurance for your entire life, irrespective of how long you live.
How do I get a quote on Empire Life Simplified 10 and Simplified 20?

You can get a quote on Empire Life Simplified 10 and Simplified 20 term life insurance easily by visiting www.empirelife.ca/quote-buy, providing details about yourself, selecting the product you want and entering the amount of coverage you want.

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