Main Content

Or browse the topics below to find what you are looking for?


Empire Life offers a simple online Life Insurance Needs Calculator which estimates your Life Insurance needs. This tool can be found here. Alternatively you can speak to your current advisor or, if you don’t have an Advisor, connect with a licensed advisor in your area by going here. Check out this article on how much you need depends on your life stage.

Life insurance premiums are based on your age and health. Typically people over-estimate how much life insurance costs, but as an example, premiums for $500,000 worth of Term10 life insurance coverage for a healthy, 35 year old Female non-smoker can be as low as $17 per month (rates as of October 1, 2021). Check out our online quote tool here.

Term life insurance provides coverage for a fixed period of time whether it is for 10, 20, 25 or 30 years and premiums increase at renewal time. Permanent life insurance (or whole life insurance) provides lifetime protection with premiums that remain constant. For further clarification check out this article on the different types of life insurance.

The general answer is no but it depends. Check out this article which helps explain the relationship between life insurance and taxes.