Main Content

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.

Terms of Use

The purpose of this website is to provide general information about Empire Life and its products and services.

Before using this site, please read the following terms of use carefully. As the terms of use may change at any time, you should regularly review them to ensure that your understanding of the terms is up-to-date.  Any references to “you” or “your” means the person or entity using or accessing this site.  References to “Empire Life” shall be deemed to include The Empire Life Insurance Company and its subsidiaries and affiliated companies. 

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 provides its Internet Service on this website to you, subject to these terms of use which may be updated by us from time to time without notice to you. By accessing or using the Internet Service, you acknowledge and agree to these terms of use.  In addition, you shall be subject to any other guidelines or rules applicable to the Internet Service which may be published from time to time. All such guidelines or rules are hereby incorporated by reference into these terms of use.  If you do not agree with these terms of use, please exit this website.

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.

Empire Life reserves the right at any time to modify or discontinue, temporarily or permanently, the Internet Service (or any part thereof) with or without notice. You agree that Empire Life shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Internet Service. You agree to indemnify and hold Empire Life (and its officers, agents and employees) harmless from any claim or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of your use of the Internet Service, your connection to the Internet Service, or your violation of the terms of use.

You agree that Empire Life, in its sole discretion, may terminate use of the Internet Service for any reason, including, without limitation, if Empire Life believes that you have violated or acted inconsistently with the letter or spirit of the terms of use. You agree that any termination of your access to the Internet Service under any provision of the terms of use may be effected without prior notice. Further, you agree that Empire Life shall not be liable to you or any third party for any termination of your access to the Internet Service. 

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.

If you have access to password protected sections of the website, you may provide or be provided with confidential or personal information which must be collected, used and disclosed in accordance with the laws and industry guidelines relating to privacy in the jurisdictions in which we operate. (Please see our Online Privacy Policy for more information relating to privacy.)  You agree to keep any password strictly confidential and to be responsible for any Internet Service use connected to your password. You also agree to notify Empire Life immediately if you know or have reason to believe that the security of your password has been compromised.

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.

No advice or information, whether oral or written, obtained by you from Empire Life or through or from the Internet Service shall create any warranty not expressly stated in the terms of use.

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.

The laws of the Province of Ontario and the applicable laws of Canada shall govern the terms of use and the relationship between you and Empire Life with respect to the use of the Internet Service.  You hereby consent and submit to the jurisdiction of the courts of the Province of Ontario in connection with any proceedings arising from the Internet Service or your use of this website.

The failure of Empire Life to exercise or enforce any right or provision of the terms of use shall not constitute a waiver of such right or provision. If any provision of the terms of use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of the terms of use shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Internet Service or the terms of use must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Empire Life Buy Now Terms and Conditions of Use Applicable to Quebec Residents

Your use of the Buy Now direct to consumer web site is governed by the website Terms of Use as modified below:

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 register to 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.

Your use of the Portals is also subject to the terms and conditions set out in the Legal Information section of our web site. The terms of Empire Life's Privacy Policy apply to personal information available to you by accessing the Portals and on Empire Life’s web site. We reserve the right to change any of the terms and conditions that apply to the Portals, at any time without notice. You should review them regularly as you will be deemed to agree to comply with these changes if you continue to use the Portals after they have been changed. You are solely responsible for all actions performed under and through your portal account and you may not allow any other person to use your account or share your login information with any other person. You may not use someone else's username or password to gain access to the Portals and you acknowledge that such use would violate these terms and conditions.

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.

Electronic Document Terms of Use

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.