--- title: Empire Life Blog Empire Life Blog | Empire Life description: Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. --- × #### Subscribe ### Subscribe to Email Updates Signing up for our Blog offers you the opportunity to subscribe and receive email notifications for Investment or Insurance type content only from The Empire Life Insurance Company and Empire Life Investments Inc. You may cancel your subscription to the newsletter at any time by clicking on [unsubscribe](http://www.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) or, by contacting The Empire Life Insurance Company or, Empire Life Investments Inc. **The Empire Life Insurance Company** 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll Free: 1 800 561-1268 Email: insurance@empire.ca or investment@empire.ca **Empire Life Investments Inc.** c/o 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll-free telephone: 1 855 823-6883 Email: mutualfund@empire.ca Close [Facebook](https://www.facebook.com/Empire-Life-Insurance-142465432433812/) [Linkedin](https://www.linkedin.com/company/empire-life-investments) [Twitter](https://twitter.com/empirelifeins) Subscribe [EN](https://www.empire.ca/blog) | [FR](https://empire.ca/fr/blogue) [![Empire Life | Empire Life Investments](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/combined-logo.png)](https://www.empire.ca/blog) # Insurance, Investments and Group Benefits ## Navigate life with confidenceTM - Insurance - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips) - [Customer Service](https://www.empire.ca/blog/topic/customer-service) - Investments - [Investments](https://www.empire.ca/blog/topic/investments) - [Investment Views](https://www.empire.ca/blog/topic/investment-views) - [Off the Cuff](https://www.empire.ca/blog/topic/off-the-cuff) - [Group Benefits(1)](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance (1)](https://www.empire.ca/blog/topic/personal-finance) ## Empire Life ### Recent Posts ## [Help secure your financial future with a Registered Disability Savings Plan](https://blog.empirelife.ca/blog/secure-your-financial-future-with-a-registered-disability-savings-plan) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance), [Registered Disability Savings Plan](https://www.empire.ca/blog/topic/registered-disability-savings-plan), [RDSP](https://www.empire.ca/blog/topic/rdsp) [![Help secure your financial future with a Registered Disability Savings Plan](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/RDSP%20Blog%20Images%20and%20Icons/GettyImages-2165986757.jpg)](https://blog.empirelife.ca/blog/secure-your-financial-future-with-a-registered-disability-savings-plan) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Nov 17, 2025, 11:32:40 AM [![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](https://www.facebook.com/share.php?u=https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on twitter](https://7528304.fs1.hubspotusercontent-na1.net/hub/7528304/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/twitter-color.png?width=24&name=twitter-color.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=) [![Share on email](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/email-color.png?width=24&name=email-color.png)](mailto:?subject=Check+out+https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Demail&body=Check+out+https%3A%2F%2Fblog.empirelife.ca%2Fblog%2Fauthor%2Fempire-life%3Futm_medium%3Dsocial%26utm_source%3Demail) Planning for long-term financial security can feel daunting. But for Canadians with disabilities, and their families, there’s a powerful savings tool designed to help you reach your financial goals. It’s called a Registered Disability Savings Plan (RDSP). Nearly two in three eligible Canadians have not yet opened an RDSP.1 This means they’re missing out on valuable government benefits that can make a huge difference for the future. [Read More](https://blog.empirelife.ca/blog/secure-your-financial-future-with-a-registered-disability-savings-plan) ## [The Unprecedented Scope and Investment Opportunity of the Fourth Industrial Revolution](https://blog.empirelife.ca/blog/the-unprecedented-scope-and-investment-opportunity-of-the-fourth-industrial-revolution) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![The Unprecedented Scope and Investment Opportunity of the Fourth Industrial Revolution](https://blog.empirelife.ca/hubfs/Investment_Marketing/INV%20Fourth%20Industrial%20Revolutions%20Images/INV-1685182-4th%20Industrial%20Revolution-emailBanner%20640%20x%20280%20px.png)](https://blog.empirelife.ca/blog/the-unprecedented-scope-and-investment-opportunity-of-the-fourth-industrial-revolution) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Oct 24, 2024, 1:55:15 PM *The Fourth Industrial Revolution may be a watershed moment in human history, eclipsing the transformative power of its predecessors through the fusion of physical, digital, and biological spheres. As we witness the integration of groundbreaking technologies like AI, robotics, IoT, blockchain, and biotechnology, the investment landscape presents a wealth of opportunities that mirror the massive economic shifts of past revolutions.* [Read More](https://blog.empirelife.ca/blog/the-unprecedented-scope-and-investment-opportunity-of-the-fourth-industrial-revolution) ## [The Magnificent 7: Think the run is over? Think again...](https://blog.empirelife.ca/blog/the-magnificent-7-think-the-run-is-over-think-again) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![The Magnificent 7: Think the run is over? Think again...](https://blog.empirelife.ca/hubfs/GettyImages-1970319247.jpg)](https://blog.empirelife.ca/blog/the-magnificent-7-think-the-run-is-over-think-again) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Oct 1, 2024, 12:53:16 PM *The “Magnificent 7” refers to a group of leading tech companies — including Apple, Microsoft, Amazon, Alphabet (Google), Meta (Facebook), Tesla, and Nvidia — that have shown exceptional growth and market performance. While there may have been doubts that the run would continue after the massive returns over the last decade, here are several reasons why we believe these companies will continue to perform strongly into the next decade.* [Read More](https://blog.empirelife.ca/blog/the-magnificent-7-think-the-run-is-over-think-again) ## [Using an FHSA to benefit from tax-free growth](https://blog.empirelife.ca/blog/using-an-fhsa-to-benefit-from-tax-free-growth) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![Using an FHSA to benefit from tax-free growth](https://blog.empirelife.ca/hubfs/GettyImages-1319991366.jpg)](https://blog.empirelife.ca/blog/using-an-fhsa-to-benefit-from-tax-free-growth) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Sep 4, 2024, 11:29:35 AM Dean is a single Canadian in his twenties looking forward to buying his first home. He’s planning to increase his home savings as his income grows over time. Dean’s advisor recommends a First Home Savings Account (FHSA) because it will give Dean up to 15 years to save, which suits his budget and time frame.  [Read More](https://blog.empirelife.ca/blog/using-an-fhsa-to-benefit-from-tax-free-growth) ## [Maximizing FHSA contributions to help buy a home sooner](https://blog.empirelife.ca/blog/case-study-maximizing-fhsa-contributions-to-help-buy-a-home-sooner) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![Maximizing FHSA contributions to help buy a home sooner](https://blog.empirelife.ca/hubfs/GettyImages-1344554212.jpg)](https://blog.empirelife.ca/blog/case-study-maximizing-fhsa-contributions-to-help-buy-a-home-sooner) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Jun 26, 2024, 1:12:50 PM Amina and Sanjay are a young Canadian couple looking forward to buying their first home. They both have satisfying jobs and are financially savvy. Through Amina’s grandfather they were introduced to an advisor who told them about the First Home Savings Account (FHSA), and they think it’s a good way to save for a home.  [Read More](https://blog.empirelife.ca/blog/case-study-maximizing-fhsa-contributions-to-help-buy-a-home-sooner) ## [Dreaming of home ownership? Make it a reality with an FHSA](https://blog.empirelife.ca/blog/dreaming-of-home-ownership-make-it-a-reality-with-an-fhsa) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Dreaming of home ownership? Make it a reality with an FHSA](https://blog.empirelife.ca/hubfs/FHSA_Blog.png)](https://blog.empirelife.ca/blog/dreaming-of-home-ownership-make-it-a-reality-with-an-fhsa) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Jun 3, 2024, 1:45:23 PM Canadians saving for their first home have another option—the First Home Savings Account (FHSA)—a registered plan that allows for tax deductible contributions along with tax-free growth and withdrawals¹ to buy or build your first home.2 [Read More](https://blog.empirelife.ca/blog/dreaming-of-home-ownership-make-it-a-reality-with-an-fhsa) ## [Discover the benefits of index funds](https://blog.empirelife.ca/blog/discover-the-benefits-of-index-funds) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![Discover the benefits of index funds](https://blog.empirelife.ca/hs-fs/hubfs/Blog_images/INV-Blog-images/INV_Benefits%20of%20index%20investing%20-%20blog/INV_BLOG_IndexFunds_GettyImages-626783494%20-%20cropped.jpeg?width=799&quality=high)](https://blog.empirelife.ca/blog/discover-the-benefits-of-index-funds) By [Empire Life](https://www.empire.ca/blog/author/empire-life) May 22, 2024, 3:28:00 PM An index fund is an investment fund that aims to provide returns similar to those of market benchmark. This is generally done by investing in the same securities (or a representative sample) as the target benchmark. ­ [Read More](https://blog.empirelife.ca/blog/discover-the-benefits-of-index-funds) ## [Why FOMO (fear of missing out) is not a sustainable investment plan](https://blog.empirelife.ca/blog/why-fomo-is-not-a-sustainable-investment-plan) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![Why FOMO (fear of missing out) is not a sustainable investment plan](https://blog.empirelife.ca/hubfs/INV-1574326-InvestmentInsight-PortfolioDiversification-EN.jpg)](https://blog.empirelife.ca/blog/why-fomo-is-not-a-sustainable-investment-plan) By [Empire Life](https://www.empire.ca/blog/author/empire-life) May 14, 2024, 3:08:10 PM Although it can be tempting to put your investment goals aside to chase these returns, beware of FOMO, which can introduce an unreasonable level of risk in your portfolio.  [Read More](https://blog.empirelife.ca/blog/why-fomo-is-not-a-sustainable-investment-plan) ## [Growth and Value Investing](https://blog.empirelife.ca/blog/growth-and-value-investing) [Investment Views](https://www.empire.ca/blog/topic/investment-views), [Investments](https://www.empire.ca/blog/topic/investments) [![Growth and Value Investing](https://blog.empirelife.ca/hs-fs/hubfs/INV-Growth%20Launch%20Blog%20(Oct%202023)/Getty-1413761479-Edit_V2.png?width=1547&quality=high)](https://blog.empirelife.ca/blog/growth-and-value-investing) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Nov 3, 2023, 11:07:02 AM Understanding the differences and similarities  Markets move in different directions at different times, generally called cycles. Different market cycles tend to favour one investment style over another. Understanding how growth and value investment styles differ and where they can work together will help demonstrate how they can both play an integral role in your equity portfolio construction. [Read More](https://blog.empirelife.ca/blog/growth-and-value-investing) ## [Empire Life’s Peter Wouters helps Money Sense answer key questions about life insurance](https://blog.empirelife.ca/blog/peter-wouters-helps-money-sense-answer-key-questions-about-life-insurance) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Empire Life’s Peter Wouters helps Money Sense answer key questions about life insurance](https://blog.empirelife.ca/hubfs/INS%20Twitter%20April%202021.jpg)](https://blog.empirelife.ca/blog/peter-wouters-helps-money-sense-answer-key-questions-about-life-insurance) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Apr 15, 2021, 8:00:00 AM For the average consumer, getting the unbiased facts about life insurance in Canada can be challenging. When Money Sense magazine decided to put together a series of articles answering some of the key questions Canadians should consider when looking for life insurance, one of the first people they turned to was Empire Life’s own Peter Wouters, Director of Tax, Retirement and Estate Planning. [Read More](https://blog.empirelife.ca/blog/peter-wouters-helps-money-sense-answer-key-questions-about-life-insurance) ![Get a quote and apply for life insurance](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/GetAQuote-BlogButton-couple-EN.jpg) [BUY NOW](https://www.empire.ca/insurance/buy-life-insurance) ![Retirement Savings Tool](https://blog.empirelife.ca/hubfs/Blog_images/RST-Blog-EN.jpg) [Get Started](https://www.empire.ca/retirement-and-savings-tool) ### POPULAR POSTS ### CATEGORIES - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Investments](https://www.empire.ca/blog/topic/investments) - [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [Disclaimer](https://info.fastandfull.ca/disclaimer) [Legal](https://info.fastandfull.ca/legal) [Privacy Policy](https://info.fastandfull.ca/privacy-policy) [Accessibility](https://info.fastandfull.ca/accessibility) [Consumer Information](https://info.fastandfull.ca/consumer-information) [Contact Us](https://info.fastandfull.ca/contact) [Third-Party Tools and Sites](https://info.fastandfull.ca/third-party) [Confidentiality](https://info.fastandfull.ca/confidentiality) [Unsubscribe](https://info.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) **CONTACT US** The Empire Life Insurance Company 259 King St. E. 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