--- title: Empire Life Blog Empire Life Blog | Insurance description: Insurance | 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) ## [How to Choose the Right Canadian Life Insurance Plan in 2026](https://blog.empirelife.ca/blog/how-to-choose-the-right-canadian-life-insurance-plan-in-2026) [Insurance](https://www.empire.ca/blog/topic/insurance) [![How to Choose the Right Canadian Life Insurance Plan in 2026](https://blog.empirelife.ca/hubfs/GettyImages-1277806307.jpg)](https://blog.empirelife.ca/blog/how-to-choose-the-right-canadian-life-insurance-plan-in-2026) By [Sydney Hutchison](https://www.empire.ca/blog/author/sydney-hutchison) Sep 3, 2026, 11:24:30 AM September marks **Life Insurance Awareness Month (LIAM)**! This is the perfect time for Canadians to review their financial safety net, explore coverage options, and help ensure their loved ones remain protected. [Read More](https://blog.empirelife.ca/blog/how-to-choose-the-right-canadian-life-insurance-plan-in-2026) ## [Did you know Homebuyers can save up to 62% with Life Insurance instead of Mortgage Life Insurance?](https://blog.empirelife.ca/blog/homebuyers-can-save-up-to-62-with-life-insurance-instead-of-mortgage-insurance) [Insurance](https://www.empire.ca/blog/topic/insurance) [![Did you know Homebuyers can save up to 62% with Life Insurance instead of Mortgage Life Insurance?](https://blog.empirelife.ca/hubfs/Screenshot%202026-05-13%20100605.png)](https://blog.empirelife.ca/blog/homebuyers-can-save-up-to-62-with-life-insurance-instead-of-mortgage-insurance) By [Sydney Hutchison](https://www.empire.ca/blog/author/sydney-hutchison) Jul 21, 2026, 11:14:07 AM Whether you’re a First Time Home Buyer (FTHB) with a First Home Saving’s Account ([FHSA)](https://www.empire.ca/FHSA) or a property veteran renewing your mortgage, we all know of the financial responsibilities that come with owning[a home](https://www.empire.ca/docs/pdf/INV-1556300-FHSA-Consumer-Brochure-EN-web.pdf). Down payments, property taxes, mortgages, and all the little unforeseen costs add up. [Read More](https://blog.empirelife.ca/blog/homebuyers-can-save-up-to-62-with-life-insurance-instead-of-mortgage-insurance) ## [Five reasons every Canadian should make a (legally valid) Will](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Five reasons every Canadian should make a (legally valid) Will](https://blog.empirelife.ca/hubfs/Top5ReasonsForWill-EN.jpg)](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) By [Akua Carmichael, LL.B, J.D, TEP](https://www.empire.ca/blog/author/akua-carmichael) Nov 16, 2021, 11:00:00 AM As a lawyer who formerly specialized in advising clients about estate planning, I’ve seen firsthand how important it is for Canadians to make a Will. Whether it’s to maximize the estate you leave behind for the next generation, or to make sure your wishes are carried out the way you planned, making a Will is vital. Despite this, over half of Canadians do not have a Will\![\[i\]](https://blog.empirelife.ca/blog/topic/insurance/page/1#_edn1) That’s why I take the opportunity in November to mark Ontario’s “Make a Will Month” and to promote this crucial aspect of estate planning to advisors, friends and colleagues. [Read More](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) ## [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) ## [Critical illness insurance: Get to know the facts and financial impacts of an illness](https://blog.empirelife.ca/blog/critical-illness-insurance-get-to-know-the-facts-and-financial-impacts-of-an-illness) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Critical illness insurance: Get to know the facts and financial impacts of an illness](https://blog.empirelife.ca/hubfs/Jan%202021%20Blog%20Post.png)](https://blog.empirelife.ca/blog/critical-illness-insurance-get-to-know-the-facts-and-financial-impacts-of-an-illness) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Jan 29, 2021, 8:00:00 AM In our last post in December, we talked about the idea of using insurance to protect the things you care about and value the most. Your good health just might be the most important thing you possess, and as we’ve seen during the pandemic, a public health emergency can turn the world on its head in an instant. The same holds true for families and individuals when a health crisis hits. This month we want to focus on the need to protect against the financial impacts of a serious health issue, and that’s where critical illness insurance comes in. [Read More](https://blog.empirelife.ca/blog/critical-illness-insurance-get-to-know-the-facts-and-financial-impacts-of-an-illness) ## [Insure the things you value most (including your ability to earn a living)](https://blog.empirelife.ca/blog/insure-the-things-you-value-most-including-your-ability-to-earn-a-living) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Insure the things you value most (including your ability to earn a living)](https://blog.empirelife.ca/hubfs/Empire%20Life%20Disability%20Credit%20Protect.jpg)](https://blog.empirelife.ca/blog/insure-the-things-you-value-most-including-your-ability-to-earn-a-living) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Dec 17, 2020, 8:00:00 AM When looking at insuring the things that are most important to you and your family: your home, your health and your life are a few of the most obvious examples. Most people have at least one of those insured. While it may not be as obvious, your ability to meet your loan and other credit obligations is probably one of the most valuable things you possess. Do you have that insured? [Read More](https://blog.empirelife.ca/blog/insure-the-things-you-value-most-including-your-ability-to-earn-a-living) ## [Life Insurance Ownership Pitfalls to Avoid: Part 2](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-2) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Life Insurance Ownership Pitfalls to Avoid: Part 2](https://blog.empirelife.ca/hubfs/Blog%20Nov%202020%20Pt2%20EN.png)](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-2) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Nov 18, 2020, 8:00:00 AM As we saw last time, avoiding life insurance ownership pitfalls takes a bit of maintenance work. With something that is built to last for years, decades or even a lifetime, the ability to adapt to the changes that come with life’s ups and downs is valuable. With life insurance, that means making sure you know what the options are and how to make them work for you. Let’s take a look at a couple of overlooked pitfalls to avoid. [Read More](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-2) ## [Life Insurance Ownership Pitfalls to Avoid: Part 1](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-1) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Life Insurance Ownership Pitfalls to Avoid: Part 1](https://blog.empirelife.ca/hubfs/Blog%20Oct%2018%202020%20EN.png)](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-1) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Oct 19, 2020, 8:00:00 AM   Throughout Life Insurance Awareness Month in September we offered simple tips for first-time insurance buyers. Now we turn our attention to helping those with the foresight get life insurance to ensure you continue to enjoy the benefits that true peace of mind brings. Owning life insurance is not like owning a house or a car – you don’t have to watch it every day. However, it is often a decades-long investment and you should check under the hood every so often. With that in mind, here a few common pitfalls you can avoid: [Read More](https://blog.empirelife.ca/blog/life-insurance-ownership-pitfalls-to-avoid-part-1) ## [Tip of the week #5: Find right the insurance company for you](https://blog.empirelife.ca/blog/tip-of-the-week-5-find-right-the-insurance-company-for-you) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Tip of the week #5: Find right the insurance company for you](https://blog.empirelife.ca/hubfs/LIAM20-twitter%209-29-1.png)](https://blog.empirelife.ca/blog/tip-of-the-week-5-find-right-the-insurance-company-for-you) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Sep 29, 2020, 8:15:00 AM As Life Insurance Awareness Month 2020 draws to a close, we want to offer one last tip for the first time life insurance buyer and that is to choose an insurance company that you feel conformable with. Things you might want to consider are: [Read More](https://blog.empirelife.ca/blog/tip-of-the-week-5-find-right-the-insurance-company-for-you) ## [Tip of the week #4: Figure out what’s the best type of life insurance for you](https://blog.empirelife.ca/blog/tip-of-the-week-4-figure-out-whats-the-best-type-of-life-insurance-for-you) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Tip of the week #4: Figure out what’s the best type of life insurance for you](https://blog.empirelife.ca/hubfs/LIAM20-twitter%209-22-1.png)](https://blog.empirelife.ca/blog/tip-of-the-week-4-figure-out-whats-the-best-type-of-life-insurance-for-you) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Sep 22, 2020, 8:15:00 AM Now that you’ve crunched the numbers and learned the lingo, you need to think about which type of life insurance policy suits you best. There are two basic categories of life insurance: **term insurance** and **permanent insurance** (sometimes called “whole life”). [Read More](https://blog.empirelife.ca/blog/tip-of-the-week-4-figure-out-whats-the-best-type-of-life-insurance-for-you) - 1 - [2](https://www.empire.ca/blog/topic/insurance/page/2) - [3](https://www.empire.ca/blog/topic/insurance/page/3) - [4](https://www.empire.ca/blog/topic/insurance/page/4) - [5](https://www.empire.ca/blog/topic/insurance/page/5) - [Next](https://www.empire.ca/blog/topic/insurance/page/6) ![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) ### 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. Kingston, Ontario, K7L 3A8 1 877 548-1881 8:30 am to 5:00 pm, EST weekdays ®/TM Trademarks of The Empire Life Insurance Company.