We are pleased to announce that on November 19, Empire Life will be launching an optional disability insurance rider for new EstateMax^®, Optimax Wealth^® and Solution Series^® policies.

The NEW Empire Life Disability Credit Protect™ is designed to help clients continue to pay their monthly loan obligations if they become disabled and cannot work.

Empire Life Disability Credit Protect can help provide an additional layer of security for a client’s financial plan. Upon claim approval, it pays a monthly benefit to help clients cover eligible monthly debt payments such as mortgage, rent or a car payment.

Easily pre-qualify with screening questions to quickly determine eligibility to apply, then underwritten with life application to determine if insured qualifies*

Available in either a 12-month or a 24-month benefit period plan

Covers eligible debts for up to $3,500 per month or 3.5% of the life insurance applied for, whichever is lower

Visit our advisor landing page for highlights including new and updated marketing materials and sales aids. You can also read more details in the Information Circular, including key features, commission schedules and transition rules.

Bundle Empire Life Disability Credit Protect
with Solution 25^TM for a highly competitive mortgage protection solution!

See how our rates compare based on a $250,000 mortgage (initial principal amount) and disability insurance needs for monthly mortgage payments of $2,000.

¹ Premiums for mortgage life insurance and disability rider remain the same during the initial term of the mortgage, but the amount of life insurance coverage decreases as the mortgage balance decreases. Premiums for Term 25 life insurance stay the same for the first 25 years of coverage and premiums for the disability insurance rider stay the same for life of the coverage. Term life insurance with a disability rider and mortgage life insurance with a disability rider have different features and eligibility requirements.
² Premiums shown are the monthly premiums for the life insureds indicated for the initial 25 years of Term 25 life insurance with coverage amount of $250,000 and a disability insurance rider with a maximum monthly disability benefit of $2,000 and a 24-month benefit period. Premium amounts for competitor products were determined by Empire Life in a survey conducted on September 21, 2020.
³ Premiums shown are the monthly premiums for the life insureds indicated for mortgage life insurance and a disability insurance rider with a monthly disability benefit of $2,000 and a 24-month benefit period. Premium amounts are for the initial term of the mortgage and were determined by Empire Life in a survey conducted on September 21, 2020.

Speaking of bundles…
earn up to 42% FYC** using the
Fast & Full Life App eBundle Bonus…
but only until December 31, 2020!

Applications submitted using the Fast & Full Life App can earn you 20% more commission than paper applications for Empire Life Disability Credit Protect if you choose the eHQ and eContract Delivery options.

The new Empire Life Disability Credit Protect is now available for illustrations in the Envision 12.0 software release. Our Envision Sales illustration software has been updated with an Auto Update Reminder function that will notify you when the new version of Envision software is ready to download and install.

*To apply for Empire Life Disability Credit Protect using our paper application (form D-0082), please ensure that you are using the most recent version of the application dated November 2020. Though we will accept applications for life insurance products using an older version D-0082 up to and including the June 2019 version, you can only apply for products that appear on that version of the application.

**Additional FYC is bonusable. Available on all life insurance products and applications using the Fast & Full Life Application. This promotion can be withdrawn by Empire Life at any time.

The information in this document is for general information purposes only and is subject to change without prior notice. Empire Life assumes no responsibility for any reliance made on or any inaccuracy in the information contained in this document