Empire Life’s Whole Life with five dividend options

Empire Life is one of the few life insurance companies in Canada to offer both participating and non-participating whole life policies.

Their non-participating Policy – the 20 Pay Solution – is fully guaranteed and very well priced. The plan is fully paid-up after 20 years, after which cash values are available by loan or surrender at any time. The one caveat is if the policy owner cancels his/her policy before its twentieth anniversary, the plan has no value.

Empire Life’s participating whole life policy has five dividend options: paid-up additions, premium reduction, dividend on deposit, withdraw as cash, and Extender Plus paid-up additions. The last option allows the insured to maximize the policy’s death benefit in the early years of the plan.

Both types of plan have a whole host of riders available, including term life, critical illness, accidental death benefit, and children’s term riders.

A 35-year-old male non smoker can take out $100,000 of Empire Life’s participating whole life plan for a premium of $205.65 a month. Based on the current dividend rates, which are not guaranteed, the plan has a cash value of $132,533 and a death benefit of $326,813 at age 65.

Call us: 1-866-899-4849

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What Clients Say About LSM

life insurance testimonialsI have found the LSM website immensely useful and I'm grateful for you agreeing...1 of 84Jatinder LoombaRead more


  1. Ronwy May 07/13/2008 at 9:45 am

    Please contact me to discuss life insurance
    Contact # (416) — —-

  2. LSM Insurance 07/13/2008 at 2:47 pm

    Hi Ronwy,

    Thanks for your email – I just left you a voicemail.

    My contact details are below. I’m happy to help out.

    Best Regards,

    Lorne S. Marr CFP MBA
    LSM Insurance
    2900 John Street Suite 302
    Markham, Ontario L3R 5G3
    Tel: 905-248-4849 Cell: 647-388-3617
    Toll Free: 1-866-899-4849 Fax: 905-300-4848
    [email protected] http://www.lsminsurance.ca

  3. Jan 01/17/2010 at 12:09 pm

    Hi, I am a 54 male non smoker. How much do I have pay for participating whole life policy.

  4. LSM Insurance 01/17/2010 at 8:19 pm

    Hi Jan,

    Thanks for the note I will send you a separate email shortly.

    Your premiums will depend on your current health and lifestyle and the amount of coverage.

    Regards …

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