Product Sales and Advice
Products or services described on this website are only available to individuals or entities resident in Canada at the time of application or purchase. The contents of this website are not intended to constitute an advertisement for such products and services in any other jurisdiction.
Any material on this website is for information purposes only and does not constitute an offer to buy or sell any Empire Life products or services. All products and services are subject to the terms and conditions of the applicable contracts.
The financial products offered by Empire Life have various levels of risk to the investor, including the possibility of loss of amounts invested. Before buying any Empire Life product, review the Information Folder and/or other disclosure documents provided by your advisor and discuss with your advisor the suitability of the various investment choices to your own personal situation. The past performance of any investment choice with non-guaranteed benefits is not an indicator or guarantee of future results.
The contents of this site are protected by copyright. Visitors to this site may copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Empire Life. Republishing and reproducing includes any uploading, downloading or providing access to the information on this site on the Internet or any other local or international computer system or means of distribution. An acknowledgement of the source must be included whenever our materials are copied or published.
If you require further information about how you may use the information on this site, please contact us at our Corporate Head Office or by e-mail.
Empire Life will take appropriate legal action in response to any infringement of its rights. The Empire Life Insurance Company disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.
Empire Life owns all the trademarks used on or in connection with the goods and services which Empire Life provides. The trademarks are protected by Canadian laws. All rights reserved.
The purpose of this website is to provide general information about Empire Life and its products and services.
The information and features contained in this website, as well as the website itself (collectively, the “Internet Service”), may be modified or upgraded without notice. Empire Life does not guarantee the accuracy or completeness of any of the website content, its functionality or transmission capability.
Empire Life makes commercially reasonable efforts to maintain the availability of this website. However, Empire Life reserves the right to shut down this website in order to perform maintenance, updates and other reasonable adjustments. Some or all of the Internet Service may be unavailable during such times.
You agree that you will not
(i) interfere with the functioning of the Internet Service;
(ii) bypass any measures used to secure or restrict access to the Internet Service;
(iii) impose an unreasonable or disproportionately large burden on the Internet Service's infrastructure; or
(iv) employ any automatic devices or means to use or access the Internet Service.
You acknowledge and agree that the information presented to you through the Internet Service is protected by copyrights, trademarks, service marks, patents and/or other proprietary rights and laws. Except as expressly authorized by Empire Life, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Internet Service, in whole or in part.
Your use of the Internet Service is at your sole risk. Any material downloaded or otherwise obtained through the use of the Internet Service is at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. The Internet Service is provided on an "as is" and "as available" basis. Empire Life expressly disclaims all warranties of any kind, whether express or implied.
Without limiting the generality of the foregoing, Empire Life makes no warranty that
(i) the Internet Service will meet your requirements,
(ii) the Internet Service will be uninterrupted, timely, secure or error-free, or
(iii) any errors will be corrected.
The Internet Service is not intended to provide financial, legal, medical, accounting or tax advice, and should not be used or relied upon as a substitute for professional advice or your independent research.
This website may provide links to other website or resources or it may be accessed via a link from other website or resources. Empire Life has no control over these websites or resources, does not endorse any content found on them, and is not responsible for any consequences resulting from your use of them.
Empire Life shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if Empire Life has been advised of the possibility of such damages), resulting from:
(i) the use of, or the inability to use, the Internet Service,
(ii) unauthorized access to or alteration of your transmissions or data, or
(iii) any other matters relating to the Internet Service.
Empire Life Buy Now Terms and Conditions of Use Applicable to Quebec Residents
Information presented on the Buy Now direct to consumer web site is current and accurate. Empire Life’s liability shall not be limited with respect to the information presented on the Buy Now direct to consumer website.
Self-service Portal Terms and Conditions of Use
Please read these Terms and Conditions of Use (the "terms and conditions") carefully before checking the box below.
"You" or "your" means the person using or accessing Empire Life self-service portals (the “Portals”). "Empire Life", "we" and "our" means The Empire Life Insurance Company and includes its subsidiaries and affiliates.
By accessing the Portals, you agree to these terms and conditions. If you do not agree to the terms and conditions, do not check the box. In that case, you will not be able to register or use or access the Portals. You are or will be able to register for Portal access if you either own a policy issued by Empire Life or you are a financial advisor distributing and servicing Empire Life customers (“Financial Advisor”). If you cease to be; (i) an Empire Life policy owner; (ii) an Empire Life Financial Advisor; or (iii) do not comply with these terms and conditions, your access to the Portals may be terminated.
If a policy is owned by more than one person who has requested access to the Portals, each policy owner will have the authority to perform any task available in respect of that policy using the Portals.
The available services may change from time to time at our sole discretion and the Portals shall be updated accordingly.
You will immediately notify Empire Life of any known or suspected unauthorized use of your user name or password to gain access to the Portals, or any other breach of security involving the Portals.
You are prohibited from using the Portals to damage, disable, or overburden Empire Life’s servers or network or impair the Portals or interfere with any other party’s use of the Portals. Hacking, password mining, or any other means to gain unauthorized access to the Portals, Portal accounts, computers, or network is prohibited. Posting or transmitting any unlawful, threatening, libelous, defamatory, obscene material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law is also prohibited.
For security purposes, Empire Life may implement limits from time to time on the number of transactions you can make using the Portals. You also agree that we may, at any time, temporarily or permanently suspend the availability of the Portals if required by applicable law, any governmental authority, or if we believe such suspension to be necessary for security purposes (for example, if you input incorrect login information), or to prevent unauthorized use, loss, theft, fraud, or any other liability or damage to you, us, or any other person. In the event of suspension, we will attempt to provide you reasonable notice; however, you understand and agree that the circumstances regarding any unauthorized use, loss, theft, or fraud may dictate that notice is reasonable if given at the time of suspension or in some cases after suspension of use of the Portals.
Even though Empire Life has taken reasonable measures to ensure the security and confidentiality of your information available through the Portals, we cannot guarantee the privacy of information you send or receive. We will not be liable for any errors, omissions, or problems of any kind arising from your electronic communication with us.
Empire Life will collect and use technical data from your computer, including but not limited to, your IP address and technical information about your operating system and browser to improve the Portals and provide modifications, new versions, support and other services relating to the Portals or Empire Life products and services.
While you are logged into the Portals cookies or web beacons will be placed on your computer. Cookies and web beacons allow us to keep your session active as well as collect and monitor information about use of the Portals.
For more info about the cookies see online privacy.
Information made available by us through the Portals may contain links to other sites. We make no representations about any other website that you may access through the Portals. We neither endorse the products services offered nor are we responsible for the site functionality or the information published on the site of any third party. You should ensure that the technology you use to access any third party sites is protected from viruses and other destructive programs when downloading files.
Empire Life Portals are provided on an "as is" and on an "as available" basis, without warranty of any kind. Information obtained through the Portals is not intended to provide legal, accounting or tax advice, nor is it designed for financial investment planning purposes and it should not be used for such purposes. Empire Life will make every effort to ensure the accuracy of the information available through the Portals. If errors or omissions are made, our sole responsibility to you shall be to make reasonable efforts to correct any errors and omissions. Please review your account documents regularly to confirm the accuracy of the information available to you on the Portals.
Empire Life will not be responsible for any harm, loss or direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, detrimental reliance or other intangible losses resulting from:
(i) the use of, or the inability to use, the Portals,
(ii) unauthorized access to or alteration of information available through the Portals, or
(iii) any other matters relating to the Portals.
By selecting the electronic documents option from the E-document Settings page of the Client Portal, you agree to receive account notices in electronic form rather than by paper. You may withdraw your consent to receive electronic documents at any time by signing into your Client Portal and selecting “No” to receipt of electronic documents. Empire Life will then have 30 days to switch your account status from electronic document delivery to paper delivery.
Once you have selected electronic document delivery, Empire Life will send notices to your email address on file to alert you that statements or other account documents are available for viewing on the Client Portal. Please ensure that your email address is kept up to date. If you need to change your email address you can contact our customer service team at 1 800 561 1268. Empire Life is entitled to rely on the email address on file until you notify us otherwise.
To access your electronic documents, you will need a recent version of Adobe Acrobat Reader and web browser installed on your device.
It is your responsibility to review your electronic documents. If you notice any errors please bring those to our attention as soon as possible and, in any event, no later than 30 days after receipt of an account notice. If you have any questions, please do not hesitate to contact your advisor or our customer service team.
Co-owners of insurance policies or investment accounts will each be able to access and review the electronic documents applicable to the Empire Life life insurance and insurance investment products co-owned by them.
If Empire Life for whatever reason is unable to deliver statements to you electronically, paper copies of your statements will be sent to your mailing address on file.
Your use of electronic documents is also subject to the terms and conditions set out in the Legal Information section of our website, including the Self-service Portal Terms and Conditions of Use.