--- title: Empire Life Blog Empire Life Blog (12) description: Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. (12) --- × #### 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) ## [Managing Health and Death Risk in Retirement](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Managing Health and Death Risk in Retirement](https://blog.empirelife.ca/hubfs/Peter%20Wouters/March%202018/GettyImages-838566762.jpg)](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Mar 20, 2018, 8:00:00 AM When saving for retirement, you may get sick or have an accident, suffer a critical illness, require long term care or pass away. These factors should be considered when looking at savings and spending during retirement. Contingency planning plays a key role in comprehensive retirement income planning. [Read More](https://blog.empirelife.ca/blog/managing-health-and-death-risk-in-retirement) ## [Emblem Portfolios in action - Volatility affords opportunity](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-volatility-affords-opportunity) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Volatility affords opportunity](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-499476026.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-volatility-affords-opportunity) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Mar 12, 2018, 2:43:03 PM Increased global equities, reduced cash [Tactical Update - March 1, 2018](http://www.empirelifeinvestments.ca/system/files/emblemportfolio-assetallocationupdate-2018-03-en-web_0.pdf) **Volatility affords opportunity.** Equity market volatility came back with a vengeance over the past month, following a year-long stretch of historically low volatility. Simmering concerns over higher interest rates boiled over early in February following the release of strong U.S. wage growth data. [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-volatility-affords-opportunity) ## [Where are you in your retirement life–cycle?](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Where are you in your retirement life–cycle?](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Retirement%20Lifecycle-GettyImages-541006884.jpg)](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Mar 1, 2018, 1:30:00 PM I have been seeing more and more of my friends retire over the last couple of years. As prepared as some thought they were about leaving their work behind, six months or so later, they found themselves struggling with what their version of the next phase of their life and themselves would look like. [Read More](https://blog.empirelife.ca/blog/where-are-you-in-your-retirement-life-cycle) ## [Worried about taxes at death?](https://blog.empirelife.ca/blog/worried-about-taxes-at-death) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Worried about taxes at death?](https://blog.empirelife.ca/hubfs/Peter%20Wouters/February%202018/GettyImages-886739404.jpg)](https://blog.empirelife.ca/blog/worried-about-taxes-at-death) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Feb 27, 2018, 3:19:47 PM **What's the biggest cheque you or your estate will ever write? When do you think that might happen?** [Read More](https://blog.empirelife.ca/blog/worried-about-taxes-at-death) ## [RRSP contributions for working seniors](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![RRSP contributions for working seniors](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/RRSP-Contributions-For-Working-Seniors.jpg)](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Feb 15, 2018, 10:30:00 AM Stan is turning 71 this year. He is enjoying a life filled with travel, relaxation and time with his family. Like more and more people, work is still very much a part of his life. Stan expects to work at least part-time for the foreseeable future. To Stan, this keeps his mind active and helps define who he is. He would like the opportunity to claim Registered Retirement Savings Plan (RRSP) deductions after age 71 even though he knows he must mature his own plan by the end of the year he turns age 71. What are his options? [Read More](https://blog.empirelife.ca/blog/rrsp-contributions-for-working-seniors) ## [The debt problem test](https://blog.empirelife.ca/blog/the-debt-problem-test) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![The debt problem test](https://blog.empirelife.ca/hubfs/Peter%20Wouters/January%202018/GettyImages-579749396-1.jpg)](https://blog.empirelife.ca/blog/the-debt-problem-test) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 30, 2018, 10:45:33 AM Do you have an issue with debt? Take a moment to answer these 13 questions and start a frank self-assessment of your money management habits. [Read More](https://blog.empirelife.ca/blog/the-debt-problem-test) ## [5 Debt reduction ideas for the new year](https://blog.empirelife.ca/blog/5-debt-reduction-ideas-for-the-new-year) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![5 Debt reduction ideas for the new year](https://blog.empirelife.ca/hubfs/5DebtReductionIdeas-sm-en-1.png)](https://blog.empirelife.ca/blog/5-debt-reduction-ideas-for-the-new-year) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 16, 2018, 10:39:39 AM You went into the recent holiday season with your accumulated 2017 debt and you may have spent more than you should have. Now, you’re going head first into 2018 with even more debt. [Read More](https://blog.empirelife.ca/blog/5-debt-reduction-ideas-for-the-new-year) ## [Life & Money Matters: Paying the price for post-secondary education](https://blog.empirelife.ca/blog/paying-the-price-for-post-secondary-education) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Life & Money Matters: Paying the price for post-secondary education](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Resized-LMM-PostSecondaryEducation-GettyImages-467321197.jpg)](https://blog.empirelife.ca/blog/paying-the-price-for-post-secondary-education) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 11, 2018, 10:02:00 AM   At least 70% of new jobs require some form of post-secondary education or specialized training and the price of entry isn’t cheap. Post-secondary costs have steadily risen and continue to rise on a yearly basis. In this installment of Life & Money Matters, Peter Wouters explores different strategies as well as factors to keep in mind  when saving for the cost of post-secondary education.  [Read More](https://blog.empirelife.ca/blog/paying-the-price-for-post-secondary-education) ## [Common cash flow problems facing small business owners](https://blog.empirelife.ca/blog/common-cash-flow-problems-facing-small-business-owners) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Common cash flow problems facing small business owners](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-521042334.jpg)](https://blog.empirelife.ca/blog/common-cash-flow-problems-facing-small-business-owners) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Dec 19, 2017, 10:08:00 AM I’ve written about the debt problem and cash flow management as they relate to individuals. What if those individuals are business owners? Some of the issues and habits that cripple individuals from effectively managing their personal cash flow are the same for business owners.  [Read More](https://blog.empirelife.ca/blog/common-cash-flow-problems-facing-small-business-owners) ## [4 Fixes for common budgeting mistakes](https://blog.empirelife.ca/blog/4-fixes-for-common-budgeting-mistakes) [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), [Insurance](https://www.empire.ca/blog/topic/insurance) [![4 Fixes for common budgeting mistakes](https://blog.empirelife.ca/hubfs/Peter%20Wouters/Teaser-4Fixes.jpg)](https://blog.empirelife.ca/blog/4-fixes-for-common-budgeting-mistakes) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Dec 19, 2017, 9:00:00 AM Post-holiday debt- A familiar word to many Canadians after weeks of shopping, eating  and celebrating the season with loved ones. It’s only after the damage is done that we begin to think about proper budgeting. If you are having budgeting problems, you may be doing it wrong. Check out these four common budgeting mistakes that can help you get on the right track for the holidays. [Read More](https://blog.empirelife.ca/blog/4-fixes-for-common-budgeting-mistakes) - [Previous](https://www.empire.ca/blog/page/11) - [11](https://www.empire.ca/blog/page/11) - 12 - [13](https://www.empire.ca/blog/page/13) - [14](https://www.empire.ca/blog/page/14) - [15](https://www.empire.ca/blog/page/15) - [16](https://www.empire.ca/blog/page/16) - [Next](https://www.empire.ca/blog/page/17) ![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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