Insurance Partner
Empire Life
Straightforward products, mid-market value.
Empire Life focuses on individual life, health, and wealth products with a simplified, mid-market approach. It's known for straightforward product design, competitive pricing, and strong relationships with independent advisors.
Founded
1923
Headquarters
Kingston, Ontario
Type
Subsidiary of E-L Financial Corporation (TSX: ELF)
Clarity as a feature, not a compromise
Founded in 1923 in Kingston, Ontario, Empire Life has built its reputation on a simple principle: insurance should be understandable. Its products are designed with clarity in mind — straightforward terms, clear benefits, and pricing that's competitive without the complexity some larger carriers layer on.
For clients who've felt lost in the fine print of other policies, Empire Life's approach is a relief. You can read the policy and know what you're getting.
Built for the mid-market
Empire Life targets the mid-market — the families, individuals, and small-to-mid businesses that big national carriers sometimes overlook. Its pricing is competitive, its underwriting is efficient, and its products are designed to be sold and serviced well through independent advisors.
That focus translates into value: strong coverage at a fair price, without the overhead of products built for a different segment.
How FinanceMaxim works with Empire Life
FinanceMaxim values Empire Life for its clarity and mid-market value. We bring its straightforward products into the comparison — especially for clients who want coverage they can understand and a price that fits a real budget.
We translate Empire Life's clear products into a clear recommendation, and we keep the plan under review as your life evolves.
- Term, universal, and permanent life — straightforward and fairly priced
- Critical illness, disability, and health coverage
- Segregated funds and wealth products
- Mid-market group benefits for growing businesses
Compare Empire Life across the market
One carrier is a starting point — not the whole answer.
We weigh Empire Life's products against 36 other leading insurers to find the plan that fits your family and your budget. The first conversation is free and no-obligation.
Get a Free QuoteProducts Offered
Empire Life's coverage, explained.
Every product Empire Life offers, in plain language — and how it fits the plan we build for you.
Term Life Insurance
Competitive term protection with clear terms and conversion options, designed for straightforward, affordable coverage.
Universal & Permanent Life
Lifetime protection with tax-advantaged cash value, built for legacy planning and long-term wealth transfer.
Critical Illness & Health
Coverage for serious illness and allied health, with simplified product design that's easy to understand.
Disability Insurance
Income replacement if illness or injury keeps you from working, keeping your finances on track.
Investments & Wealth
Segregated funds and mutual funds that protect and grow your savings with Empire Life's disciplined approach.
Group Benefits
Employer health, life, and disability plans designed for mid-market businesses.
More Insurance Partners
Explore the full network.
Insured by Empire Life, guided by FinanceMaxim
Let's find the right plan across the whole market.
We compare Empire Life against 36 other leading insurers and recommend the plan that genuinely fits your family, your goals, and your budget. Start with a free, no-obligation conversation.