Headquartered in Toronto in 1923, Empire Life Insurance boasts being one of Canada’s top 10 life insurance companies. Empire Life offers term-life insurance, individual and group health insurance and critical illness insurance. Empire Life is supported by its committed long-term shareholders to improve the lives of individuals and communities and as a result, Empire Life remains operational on Canadian turf.
Empire Life is dedicated to serving its communities by participating in charitable donations, employee volunteer initiatives, and community sponsorship.
Empire Life Key Information
NAME
DETAILS
Company Name
E-L Financial Corporation Limited
Head Office Address
259 King Street East, Kingston ON, K7L 3A8
Contacts
1-800-561-1268
Email
info@empire.ca
Website
https://www.empire.ca/
In Business Since
1923
A.M. Best Rating
A
Financial Assets
C$18 Billion
Terms and Conditions
https://www.empire.ca/legal
How Do I Purchase a Plan with Empire Life Insurance?
Visit the Empire Life website if you wish to purchase a plan with them.
How Can I Reach Empire Life Insurance by Telephone?
The phone number for Empire Life Insurance is 1-800-561-1268
How Do I File a Claim with Empire Life Insurance?
You can visit the claims page at Empire Life in order to submit a claim online.
Empire Life Insurance Pros and Cons
As with any product or service, and depending on your individual needs, there’s always advantages and disadvantages. Let’s take a look:
Why Empire Life Insurance Could Be Right for You
Strong financial stability - company is able to pay out policyholders.
Wide variety of insurance products available to you
Strong emphasis on customer service
Why Empire Life Insurance May Not Be Right for You
High premiums
Complex policies
Complication application and underwriting process
What Does Empire Life Cover?
Empire Life specializes in comprehensive financial protection, offering a spectrum of services including life insurance and critical illness insurance. Their life insurance policies provide a safety net for loved ones, ensuring financial stability in challenging times. Additionally, their critical illness insurance offers a vital shield against the financial impact of serious health conditions. Empire Life's commitment lies in safeguarding your future and providing peace of mind through tailored coverage options.
Empire Life - Life Insurance
Empire Life presents a versatile array of life insurance options to suit diverse needs. Their offerings include Solution 15, 20, 25, 30, and 100 plans, each tailored to provide coverage over specific periods. The ART plan combines life insurance with investment components, fostering growth. Meanwhile, the Estate Max option focuses on wealth transfer and estate planning, reflecting Empire Life's commitment to comprehensive financial solutions.
Solution 10
Solution 10 is a term life insurance from Empire Life. The plan is ideal for families looking for affordable insurance options, individuals who desire to cover the final year of their mortgage, and for small businesses who want to cover start-up and overhead costs. The premiums increase every 10 years, and are available at guaranteed premium rates. The final increase in premiums occurs when the insured reaches the age of 75. The insured can enjoy a level premium for 10 years. Policyholders can easily convert Solution 10 into one of the permanent insurance products if future insurance needs change. Solution 10 can also be added to the other Solution series, or even the CI product to create an all-inclusive insurance product that will allow you to save on the insurance fees.
Solution 15
Solution 15 is a term life insurance plan offered by Empire Life. Premiums with this plan are guaranteed to remain fixed for 15 years, after this the premium increases every 15 years with the last increase after renewal at the age of 70. Policyholders can add Solution 25 to other Solution plans offered by Empire Life, or add Solution 25 to the critical illness plans. This plan is a perfect solution for individuals or families from all walks of life to help manage their debts or fund their dreams.
Solution 20
Solution 20 is a term life insurance offered by Empire Life that is ideal for families with existing and new mortgages, small businesses, and individuals looking for affordable and flexible insurance coverage. The premiums increase every 20 years and are available at guaranteed premium rates. The final increase in premiums occurs when the insured reaches the age of 65. Premiums remain fixed for 20 years. The policy can be converted from Solution 20 into one of the Empire’s permanent insurance products. This insurance product can be added to the other Solution series, or even the CI products.
Solution 25
Solution 25 is a longer-term life insurance offered by Empire Life. Premium rates are guaranteed to remain the same for the first 25 years. Premiums will increase every year after the 25th year up until the policyholder turns 85 years old; after this the premium will remain the same until the policyholder turns 100 years old. This benefit can help you pay a mortgage or replace an income if necessary.
Solution 30
Solution 30 from Empire Life is an ideal term life insurance plan. Suitable for families, individuals, or businesses. It is easy to get Solution 30: first, find an advisor, meet with the advisor, and fill out the application. The premium rates remain the same for 30 years, from the 31st year, the premiums will increase annually to age 85 and then remain the same to age 100. You can also add this insurance product to the Empire’s other Solution series or even the CI product to create an all-inclusive insurance product that will allow you to save on the insurance fees.
Solution 100
Solution 100 is ideal for mature individuals looking to protect their estate for their heirs, young people looking for long-term care, or individuals that need affordable coverage for various financial planning strategies. It is a permanent non-participating whole life insurance coverage that offers the insured a lifetime protection up to age 100. Solution 100 offers cash and paid-up values that start after 4 years. The rate for this insurance plan will not increase irrespective of your age and your health status. You can also add this insurance product to the Empire’s other Solution series or even the CI products. It also offers guaranteed cash surrender values which are available after 4 years.
Solution ART
Solution ART is ideal for current smokers who intend to quit smoking and later convert to a longer-term coverage with non-smoker’s benefit, small businesses that want affordable coverage for a short-term business loan, or families looking for low-cost insurance but will want to change to a permanent coverage as income increases. The premium does not increase for the first three years. Solution ART insurance plan offers guaranteed premium rates. You can also add this insurance product to the Empire’s other Solution series or even the CI product to create an all-inclusive insurance product that will allow you to save on the insurance fees. You can convert the coverage to one of the Empire Life’s permanent insurance products if future insurance needs change.
EstateMax
EstateMax is ideal for young families looking for permanent life insurance protection with long-term cash values, small businesses looking for life insurance protection but want to get cash values in their early years, or retirees who need estate preservation or want to leave a legacy for their family or a charity organization. It is a permanent participating whole life insurance coverage that offers the insured lifetime protection. The policy earns an annual dividend. The dividend can be paid to you, or you can decide to use it to buy additional life insurance coverage. You can also save it, or use it to pay policy premiums. The dividends earned in the policy are not guaranteed and may also be subject to taxation. The coverage has three guaranteed premium payment options: these include, Life Pay (to age 100), 8-Pay, and 20-Pay. You can also add this insurance product to the Empire’s other Solution series or even the CI product to create an all-inclusive insurance product that will allow you to save on the insurance fees. It focuses on coverage and presents five dividend options for you to choose and it has guaranteed cash values.
Optimax Wealth
Optimax Wealth is ideal for grandparents and parents who need insurance protection and also a source of funds for education. It is also suitable for small businesses looking for life insurance protection but want to get cash values in their early years, or retirees who need estate preservation or want to leave a legacy for their family or a charity organization. Offering early cash values, the benefit of tax-deferred savings, and also cost-effective protection. It offers the dual benefits of life insurance protection and the opportunity for you to save. Individuals who want to grow their savings in the short-term by leveraging guaranteed cash values and also accumulate annual policy dividends can make use of this plan. The coverage has three guaranteed premium payment options: these include, Life Pay (to age 100), 8-Pay, and 20-Pay. You can also add this insurance product to Empire’s other Solution series, or even the CI product to create an all-inclusive insurance product that will allow you to save on the insurance fees. It offers cash value growth in the short term and it is adequate for people who want cash benefits for the first 20 years.
Empire Life Critical Illness Plans
Empire Life's critical illness plans, including CI and CI Protect, stand as pillars of security. These plans offer crucial financial support in the face of serious health challenges. With CI, you gain a lump-sum payment upon diagnosis, and CI Protect enhances your coverage by allowing a return of premium if you remain healthy. Your well-being is paramount with Empire Life.
CI Protect
CI Protect is ideal for families who need critical illness protection to cover mortgages and also desire income replacements, small businesses that desire coverage to cater for their business daily expenses and ensure productivity, and people planning for retirement and wish to preserve their retirement savings. The plan can help you to protect your family and safeguard your financial future. It covers four of the most common critical illnesses suffered by Canadians such as heart attack, cancer, coronary artery bypass, and stroke. The policyholder’s beneficiaries will receive a death benefit of $1,000 at no extra charge, irrespective of the cause of death. Provided the premiums are paid, the coverage is guaranteed until the age of 75. CI Protect can be added to your whole life or term life coverage provided by Empire Life at $3.65 per month.
CI Protect Plus
CI Protect Plus is ideal for families who need critical illness protection to cover mortgages and also desire income replacements, small businesses that desire coverage to cater for their business’ daily expenses and ensure productivity, and for anyone planning for retirement and wish to preserve their retirement savings. The plan can help you protect your family and safeguard your financial future. The insured will be paid a lump sum benefit if diagnosed with any one of the 25 critical illnesses covered by the plan. It covers 25 critical illnesses suffered by Canadians such as heart attack, life-threatening cancer, coronary artery bypass, coma, blindness, paralysis, and stroke and many more. It also has three benefits designed to add additional protection without an increase in premium. It includes two guaranteed premium schedules designed to meet your insurance budget and needs. CI Protect Plus has an option for you to add a Return of Premium rider. This rider allows you to get your premium back in case you fail to have a claim.
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Lanie Velasco-Jn Charles
So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!
Kenneth Schock
To ensure continued confidence that our long term health needs will be maintained.
Angie Mena
Christine helped me over the phone and was amazing and respectful
Steve Kriston
It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!
Karen Roberts
The application process was easy and they were able to get me a great rate! The customer service was excellent!
Laura Christina
Very quick and formative.
Robert McLean
He was so nice to me told so much about it thanks so much
Charlaine Banfield
Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company
Adam Diamond
George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!
Holly Hanna
Very polite and courteous! Def a thumbs up ☺️
Kathy Jackson
Make it possible to contact a CSR who doesn't transfer me around 7 times before telling me they can't find their own policy issued to a customer - a policy number taken from their own letterhead!! I will tell everyone I know, in every way, to avoid your company at all costs. If I have to, I will contact CBC W5 or Marketplace. Manulife, you have messed with the wrong estate executor!!
Dee Garrett Gauthier
We had an excellent experience with Insurdinary. We strongly recommend them for insurance. Very pleasant to speak with. Fast and easy. We will be telling our family and friends all about it. Give them a call.
Edward Fayer
The easiest way to find an insurance plan that works for you!
Nicole Florendo
Get Quotes and Compare the lowest and best insurance rates now!
Widya Febrina
Thank you so much George for your help , you so quick to respond me back and help me lots everything done so quickly. The best services ever. I will recommend to all my friends . Thank you so much I do really appreciated it..
Eric was quite helpful in suggesting insurance coverage best suited to my needs and quickly took care of getting me all signed up once I made the decision to move forward
mac mchenry
Kent Carstairs
Armando Perez
Easy to work new insurance when your agent Felipe Portes is effective, know his product and try to find the best product for your needs. Looking for insurance is jungle of options, so nice to have someone to direct you. An no stress experience.
Shirley Hartling
Agents were very courteous, helpful, and processed the purchase of my policy in excellent time. The cost of the policy was very competitive. I would use Allianz again with no quandaries.
Ken Zwicker
Russell Anderson
Michele Hicks
very easy and polite to deal with
Gail Levangie
While the customer service agents were great and very helpful - Maria and Eric -Trying to get access to the documents was extremely frustrating. Entered the password at least 6 times all rejected. Want info before I leave.. don’t want to deal with this in the event of an emergency
Morris MacKay
I was treated with the upmost respect and kindness by Dornaz. Very professional.Thank you so much
Marlene
Very good and thorough serviceThank you
Gary Oliver
The lady (Christine) who we spoke to about the health/dental insurance was very helpful and friendly. She was very knowledgeable. She was very pleasant and made the whole conversation easy. She was very easy to understand. Thanks
Robin
Great service! Friendly & fast service! Dornaz made sure I had the best price
Joseph Szucsik
Kim Marcotte
Christine was very professional and answered all my questions. I felt very much at ease and feel l made the right choice goingvwith Manulife Insurance.Thank you Christine
PAT BEAUDOIN
I called for a quote on getting travel insurance for my upcoming trip to the US, Dornaz from Alliance Income was such a pleasure to deal with! She was thorough and got me a great deal, I will definitely recommend her and the company to others.
Rosa McTavish
Great service. Quick and efficient quote and very well priced. Sehar B. was excellent to deal with.Allianz was the first to send out the quote from a list of companies I contacted.
Ray Irwin
Knowledgeable, fast and courteous
Roger Patton
Filipe P. was my Allianz Rep. on this Emergency Medical trip insurance transaction. I had a great experience booking this insurance through Felipe. He was very courteous, efficient and helpful and provided me with all the information I needed to complete the transaction. Thank you Filipe for being a very good representative for your Company.
Josh Dew
We dealt with Dornaz for our travel insurance for our family of 5. She got us amazing insurance. At a great price. A piece of mind for my wife and I to take the kiddos on a 3 week vacation! Thank you Dornaz we very much appreciated all your help!!
Don Lajeunesse
Azaria was very helpful as she explained every step in a way I could understand. Eric was equally as knowledgeable and helpful. Thanks again Azaria and Eric.
Debbie McNeil
It was quick and painless. The girl that took care of me was well spoken and knowledgeable. I would definitely deal with this company again.
Bhaskar Reddy
Excellent
Jamin Mast
Eric was very respectful and made it very clear and simple. I would highly recommend.
Alaa Mahgoub
Excellent representative
Van Hai Nguyen
Fast
Mala Sahai
Friendly prompt service
Mona Lee Currie
Twice today, I interacted with Daniel, insurance agent extraordinaire. He found insurance for my husband, who has a few health problems. We also discussed various ways of making the policy more cost effective. I feel very comfortable discussing various ins and outs of my policy. He always let's me know all the things I need to know so that I don't run onto trouble of any kind. Our insurance this time is with Allianz.
Zack Kunkel
Very helpful and had no complications
Krystyna Skwira
Ivy Blue
He was easy to talk to when asking questions. He was very clear when explaining the product he made it easy to want to invest in my self.
Hemantkumar Godbole
I am happy about the service from Ummi Hanny her honest service surely assets for her company i wish Ummi good luck and happy new year
Francois Wentzel
Ruth Matthews
Frances Wong
Sahar was a pleasure to work with. Her patience and calm demeanor were admirable. I asked her to give me time to compare prices and every time she called me back when I had asked her to (at least 5 times over a period of months). Her knowledge and advice on various options for me made the decision a bit easier to make.
Josh Dale
Terrible! I wouldn’t even leave a star, but you have to at least choose one!I had submitted an insurance policy, and as it was still pending, I cancelled (a few hours later) - over email. I did not receive an email back! I have since sent 2-3 more emails and inquiries from their website to cancel the pending policy. No response!I go on my online banking, and was charged 100+ dollars (which is what I was trying to avoid). I tried to inquire about it, no response!On top of that, I got charged the money - and have not been contacted by a single broker, have not received a single package, have not received any information whatsoever, so basically I got charged money for nothing!Terrible! I do not recommend!
Richard Lean
First time booking travel insurance for myself, and not sure what to look for. Contacted Insurdinary on line one evening and they responded next day. Vary happy with first contact, Ummi and information supplied. Received a quote, very quickly, and advised I would check with my daughter first (I'm 82 years old). Ummi called back next day and everything arranged at a very nice price. Highly recommended, from a happy old man.
Sharon Potter
Prices are very good. Really liked that we could talk to an agent. We spoke to three agents and all of them were very knowledgeable and professional. Returned our phones call very quickly. Our agent (Ummi Hanny) explained all options and answered all our questions which resulted in a cost saving for us.
Melinda Diggs
quick informative
Mohez Kamalia
I dealt with Ummi (agent) and was extremely pleased with her service. I wish there were more like her with other companys i deal with.
Helen Davidson
Very professional and helpful.
Brocks Stone Works
Sehar was very helpful and directed me to a good vacation insurance for our needs I would definitely call her again.
Bessie Terzi
The agent was very knowledgeable and follow up was great!
Eric G
Driver took the time to hide my package as it was a new computer monitor. Appreciate the extra effort.
Karen Cooper
AWESOME Travel Insurance Rep SeharSehar was very professional caring inviting questions as well as very informative and patient. Thank you Sehar !
Annemarie MacLennan
Dornaz was unbelievable, I would recommend her to anyone. I will be calling her on all my trips. I will definitely refer her to all of my friends and families.
Marie Thomas
Excellent Communication, follow up and service from call taker. Went above and beyond in patience and explaining options and coverage limitations
Dancandy Skiba
Dorozand Aresenio were Very helpful and courteous . Will definitely deal with this company , Candy