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!
Serena Hill
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.
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..
Love Maria
Very helpful very easy....good job.
Vicky Green
It was a pleasure talking with George He was very polite .
Louise Smook
It was a pleasure speaking with you today:) Answered all my questions and found the best plan for me to meet my needs at the best price. Thanks again , George!
Emma Woodhouse
It was a pleasure to work with this team. They have answered all of my questions; provided me great quotes which addressed all my needs. Thank you.
Sabrina and Eric were extremely helpful with providing me a quote for travel insurance. From the initial phone contact to the final transaction it was hassle free and very quick.
Norm Carey
Susan Allan
Karen Wright is not only knowledgeable and easy to deal with when she is selling insurance. She is supportive, helpful and advocates for her customers when they need help. Thank you so much for your assistance.
janice Walker
Eric was great to work with, he easily answered our questions. The quote was reasonable for what is provided for trip interrruption and trip cancellation insurance. Highly recommend.
peter aldrich
Emil was professional, helpful on options and responsive. A+ service. Thank you!With Emil ; Easy Peasy !
Peggy
George Privett
Talked with Dornaz who I found to be pleasant, helpfull and well qualified. I will contact her again whwn I need further insurance.
Brenda Laboucane
I was very happy with the help that Cynthia and Eric gave me in getting my travel insurance for our upcoming trip. Cynthia found the best deal for me quickly and Eric finished it up very efficiently.
Ed Parans
I dealt with Eric… super helpful getting an annual Travel insurance policy. Best terms and quote I found.
Vivian MacKinnon
Started with "Policy Rates" to save you from comparing...sounded great...then it states "Manulife" did not understand it...then it went to a different company?? Terrible!!
Peter Blomfield
Good service and information
Robbin Schick
Adam and Eric were both very efficient and knowledgeable. I appreciate that.
Oyeme Adesida
Great services and customer care.
Irene Bilger
Neil Silberman
Karen Wright was very helpful and gave me a good policy for my time out of the country
Taylor Whynot
Dealt with two agents, Mariam and Eric and they were absolutely amazing! Super helpful and quick to respond and help me with my inquires! Highly recommend!
Val Stinson
Cheryl Baker
Excellent customer service from Emil Denis. He clearly explained our options and scheduled a call back so that we would have time to read over the policy details. Everything was done in a efficient manner.
Al Euteneier
very helpful and knowledgeable people Sinthia in head office and Eric in Regina
Vaughn Boegel
We have purchased Medical and Trip Interruption insurance a number of times from Theresa at Allianz insurance.Theresa is extremely knowledgeable and customer satisfaction driven. She has always been pleasant and patient while servicing our account.Theresa makes doing business with this company a pleasure!Thank you!
roy johnson
Mariam Javed your Customer Service Rep. provide me with very helpful service to me my emergency medical travel insurance needs. She is very professional ,very friendly, understands customers needs and provide me with options. Allianz Global is very fortunate to have professional customer service reps. like Mariam.
Catherine Simpson
The quote was by far the most reasonable we found by a company with an excellent online rating. Both the agents I spoke with, Mariam in ON and Eric in NS were friendly, helpful, knowledgeable, patient, and easy to understand. I thank them both for their excellent customer service and we would not hesitate to use this company again. Our trip is in the future so I cannot comment on what it might be like to submit a claim and hopefully that is not going to be necessary in any case.
Joyce Markson-Besney
Emil Daniel provided outstanding customer service to us. His demeanour is very pleasant and professional. He found the best rate for our travel cancellation insurance. We will definitely book future insurance needs with him. Thank you Emil!
Mike Durand
I experienced very good experience with Emil , he was very professional and explained everything very well . I’ll be using him in the future
Marisa Clemente
John Anderson
Very professional service. Thank you.
Marie O Makkreel
I’m writing to thank Dornan…… at Alliance Insurance for helping plan my Travel insurance for the next coming year to the multiple trips I take to USA! Every year She listened to what I was asking for and treated me in a kind and informative way and helped me choose exactly what I felt comfortable with ! I felt very comfortable speaking to her and was satisfied with what she had chosen and also the price she quoted was even better than the previous year!Thank you so much Dornan!Sincerely,MARIE MAKKREEL
Rob Hinks
Great way to do business
Cyril Boone
Kevin Taylor
Great Communication and Reasonable pricing.
Liz Hodgdon
Very helpful folks, made process simple and were responsive and patent.
Alan Riley
The service I received from this company was efficient and they followed through when I need further information and clarification. At all times Sehar and Eric were very helpful and professional with my policy and it was a relief to have it completed before my short deadline of travel - thank you.
Phillip MacDonald
Great efficient service
Phil S
Dornaz provided outstanding service. She is knowledgeable, courteous, and efficient.
Max London
Very simple and easy sign up process to ensure you are covered in case of a medical emergency while travelling.
Harry Frost
It was great very professional
Brenda Squair
Quick and efficient
Karenanne Conrod
karen wohland
Eric and Mariam were wonderful to work with over the phone, so helpful and very professional with a friendly tone.
Jeremy
I spoke with Emil, he did a great job. He was very professional and got me what I needed.
Jane Harris
Eric was very helpful with my obtaining medical travel insurance.
Beth Bender
I requested a travel medical insurance quote. Michael Breen was able to give me immediate information and processed my request same day.
Margot Brunelle
I was shopping around for a basic insurance package to cover airline screw-ups. We already have medical. I got 3 quotes from different companies but none of them responded quickly, efficiently. Only Allianz.. Thanks to R’ceino and Eric for quick friendly service! Phew.
Virender Kaul
Prompt response to quarries and attention to details by customer service representative.
Erin Bohn
Great customer experience from both Mariam and Eric. They both answered all my questions and were very helpful. Thank you for the great service you provided
samantha barranger
Eric Clementi was very professional, and he took the time to go through everything I needed. Great customer service!!
Christine Wowchuk
Miriam and Eric made buying travel insurance easy. Thank you
Victor Kutcher
Emil was professional, friendly, efficient and informative. We will try to maintain contact with him for future trips.
Samina Karim
Artmiz has been very helpful. Great customer service and always very helpful. Thank you Artmiz :)
