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
- New lower minimum issue limits for Juvenile policies
- New -1% and -2% alternate value taxation reports
- Kid Start Program Product Guide
- Estatemax® & Optimax Wealth® 10 Pay Option (INS-2595)
- Life And Health Product Overview
- The Empire Life Difference (E-0205)
EstateMax Material
- EstateMax Summary (INS-970)
- EstateMax Client Brochure (INS-968)
- EstateMax Client Brochure in Simplified Chinese (INS-968-SCH)
- EstateMax Client Brochure in Traditional Chinese (INS-968-TCH)
- EstateMax Sample Contract
- EstateMax 100 Sample Contract
- Estatemax & Optimax Wealth Product Guide (INS-1350)
- Estatemax & Optimax Wealth 8 Pay Option (INS-1448)
- EstateMax Sample Contract - 8 Pay
- Power of Maximizing PAR
- 10-Pay Case Study #1: Jessie, 35, EstateMax® (INS-2583)
Optimax Wealth Material
- Optimax Wealth Client Brochure (INS-1343)
- Optimax Wealth Product Summary Flyer (INS-1354)
- Estatemax & Optimax Wealth Product Guide (INS-1350)
- Optimax Wealth Sample Contract
- Optimax Wealth Sample Contract 8 Pay
- Optimax Wealth 20 Sample Contract
- Optimax Wealth 20 Juvenile Sample Contract
- Sample Contract - Optimax Wealth - Juvenile
- 10-Pay Case Study #2: Marsha, 68, Optimax Wealth® (INS-2584)