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As one of a few insurance companies that offers permanent participating life insurance, Empire Life is proud to have a long and strong track record of paying dividends to our participating policy holders.

Empire Life has two distinct participating insurance products, Optimax Wealth and EstateMax.

Optimax Wealth is a permanent participating life insurance plan that provides early cash values, cost effective life insurance protection and the benefit of tax deferred savings accumulation.

EstateMax is a permanent participating life insurance plan designed for a variety of estate planning needs with a focus on long-term cash values.

Plan Highlights

  • Four guaranteed payment options – 8-Pay; 10-Pay; 20-Pay or Life Pay (to age 100)  
  • NEW! Additional Deposit Option (ADO)
  • Five dividend options available (see product guide for details)
  • Dividend scales are guaranteed never to fall below zero
  • Lifetime protection with guaranteed minimum coverage amounts
  • Ability to add Solution or CI Protect plans as riders and save additional admin fees

Participating Life Insurance Marketing Materials

EstateMax Material

Optimax Wealth Material

Optimax Wealth with Immediate Financing Agreement

Sample Contracts - EstateMax

Sample Contracts - Optimax Wealth