Empire Life – Critical Illness Policy – 10 Facts to Consider

Empire Life's Vital Link
may be a CI policy to consider.
Photo by Robby McKee

Empire Life's Critical Illness policy is called Vital Link. The policy is very competitively priced at most age levels and face amounts.

The following are 10 features of the plan:

1. It's available throughout Canada.

2. It's available as a stand-alone policy, or as a rider on Empire's life insurance plans.

3. It's available for insured ages 18 to 65.

4. Face amounts can be anywhere from $25,000 to $2m.

5. The policy is available as a 10-year term, Term to 75, or a Term 100 policy.

6. The Term 10 or Term 75 plans are convertible without a medical to the term 100 plan.

7. The policy is fully underwritten. There are no simplified-issue options.

8. The Term 10 and Term 75 policies offer return of premium features, i.e., if the insured does not make a claim at the policy's maturity date, all premiums are returned. All three policies offer a return-of-premium on death option.

9. There is a built-in waiver of premium upon disability.

10. The policy is available on a multi-life basis, and is also eligible for a policy fee discount, if the insured has an existing Empire Life policy.

For more details, you can contact us at 1-866-899-4849, or visit our Critical Illness Quote Page.

Posted by Chantal Marr.