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2017-04-06

The following guidelines are designed to help you understand the Optimax Paid-up Additions Rider. These guidelines reflect our current practice based on current industry standards for tax- sheltering funds within a participating life insurance contract (new or existing) and are subject to change or withdrawal without notice.

2017-04-06

As a follow-up to our earlier announcement on pending changes affecting level cost of insurance rates in our universal life plans and rates only for our non-participating permanent life insurance plans as well as some other changes, enclosed are the transition rules for the upcoming rate changes and details of what those changes are.

2017-04-06

Next month we will be announcing changes to improve the viability of our long-term insurance solutions with a focus on level cost of insurance within universal life, Solution 100, and 20 Pay Solution non-participating whole life plans.

Details about these changes, including transition rules, will be communicated in the next 2-3 weeks.

2017-04-06

Empire Life will be introducing new level cost of insurance rates for Trilogy and Trilogy Plus. These changes will take effect after September 30, 2011.

2017-04-06

Effective immediately, Solution 10 First Year Commission will increase from 40% to 45% on all new applications.