--- title: Empire Life Blog Empire Life Blog | Insurance (3) description: Insurance | Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. (3) --- × #### 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) ## [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) ## [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) ## [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) ## [Life insurance is more affordable than you think](https://blog.empirelife.ca/blog/life-insurance-is-more-affordable-than-you-think) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Life insurance is more affordable than you think](https://blog.empirelife.ca/hubfs/Powtoons/Life%20insurance%20is%20more%20affordable%20than%20you%20think_Screenshot.png)](https://blog.empirelife.ca/blog/life-insurance-is-more-affordable-than-you-think) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Dec 10, 2017, 11:16:37 PM   [Read More](https://blog.empirelife.ca/blog/life-insurance-is-more-affordable-than-you-think) ## [Saving money. It's about balance.](https://blog.empirelife.ca/blog/saving-money.-its-about-balance) [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) [![Saving money. It's about balance.](https://blog.empirelife.ca/hubfs/Peter%20Wouters/GettyImages-637117166.jpg)](https://blog.empirelife.ca/blog/saving-money.-its-about-balance) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Dec 7, 2017, 9:00:00 AM [Read More](https://blog.empirelife.ca/blog/saving-money.-its-about-balance) ## [5 Reasons why first-time home buyers should consider term life insurance over mortgage insurance](https://blog.empirelife.ca/blog/5-reasons-why-first-time-home-buyers-should-consider-term-life-insurance-over-mortgage-insurance) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![5 Reasons why first-time home buyers should consider term life insurance over mortgage insurance](https://blog.empirelife.ca/hubfs/Mortgage%20vs.%20Life%20Insurance%20Infographic/5Reasons-TermLifeInsurance-Teaser-EN.png)](https://blog.empirelife.ca/blog/5-reasons-why-first-time-home-buyers-should-consider-term-life-insurance-over-mortgage-insurance) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Nov 17, 2017, 3:23:36 PM Buying your first home? When your mortgage application is approved, your lender will likely ask if you want to purchase mortgage insurance. Before you say yes, remember you have other options for protecting your family and ensuring your mortgage is paid off, should you die unexpectedly. For many, including millennials, purchasing term life insurance may prove to be the more financially savvy choice. [Contact a life insurance advisor](https://www.empirelife.ca/find-an-advisor/) before you close the deal to find out which option is best for you.  [Read More](https://blog.empirelife.ca/blog/5-reasons-why-first-time-home-buyers-should-consider-term-life-insurance-over-mortgage-insurance) ## [What is Critical Illness Insurance?](https://blog.empirelife.ca/blog/do-you-have-critical-illness-insurance) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![What is Critical Illness Insurance?](https://blog.empirelife.ca/hubfs/CI%20Infographic/CI%20Infographic_1.png)](https://blog.empirelife.ca/blog/do-you-have-critical-illness-insurance) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Oct 30, 2017, 10:50:39 AM A critical illness can happen to anyone at any time. Worrying about your finances is the last thing you need, should the unexpected happen. [Read More](https://blog.empirelife.ca/blog/do-you-have-critical-illness-insurance) ## [How do I know if I need life insurance? Part III](https://blog.empirelife.ca/blog/how-do-i-know-if-i-need-life-insurance-part-iii) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![How do I know if I need life insurance? Part III](https://blog.empirelife.ca/hubfs/Katie%20Heggie%20Video/Part-3-EN.png)](https://blog.empirelife.ca/blog/how-do-i-know-if-i-need-life-insurance-part-iii) By [Empire Life](https://www.empire.ca/blog/author/empire-life) Oct 21, 2017, 10:00:00 AM   [Read More](https://blog.empirelife.ca/blog/how-do-i-know-if-i-need-life-insurance-part-iii) - [Previous](https://www.empire.ca/blog/topic/insurance/page/2) - [2](https://www.empire.ca/blog/topic/insurance/page/2) - 3 - [4](https://www.empire.ca/blog/topic/insurance/page/4) - [5](https://www.empire.ca/blog/topic/insurance/page/5) - [6](https://www.empire.ca/blog/topic/insurance/page/6) - [7](https://www.empire.ca/blog/topic/insurance/page/7) - [Next](https://www.empire.ca/blog/topic/insurance/page/8) ![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. 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