--- title: Empire Life Insurance Blog - Insuring With Care | Helpful Tips description: Helpful Tips | --- [![Empire Life logo](https://blog.empirelife.ca/hs-fs/hub/322854/file-368300927.jpg?width=189&name=file-368300927.jpg "Empire Life logo")](https://blog.fastandfull.ca) # INSURING WITH CARE™ BLOG [Français](https://blog.fastandfull.ca/fr) ## [Top 6 Mistakes First-Time Home Buyers Make and Why You Need to Know About Term Life Insurance](https://blog.empirelife.ca/old/what-first-time-home-buyers-need-to-know-about-term-life-insurance) Posted by [Empire Life](https://blog.empirelife.ca/old/author/empire-life) Jun 13, 2017 9:20:38 AM [![](https://blog.empirelife.ca/hubfs/GShift%20Blog%20Articles/GettyImages-107430121.jpg)](https://blog.empirelife.ca/old/what-first-time-home-buyers-need-to-know-about-term-life-insurance) ***Signing a mortgage can be the best time for first-time home buyers to consider term life insurance.*** [Read More](https://blog.empirelife.ca/old/what-first-time-home-buyers-need-to-know-about-term-life-insurance) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [The Stages of Life Insurance Part III](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-iii-1) Posted by [Empire Life](https://blog.empirelife.ca/old/author/empire-life) Mar 16, 2017 10:00:00 AM [![](https://blog.empirelife.ca/hubfs/Stages%20of%20Life%20Insurance%20Infographic/Part%203%20Retired%20/Retired-Teaser-EN.png)](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-iii-1) For many Canadians in their 50’s or older, their term life insurance policies may have come to an end. Would you know what to do next? As you get older, it’s important to re-evaluate your life insurance needs. How many years do you want to earn income before you retire? Or if you die, do you want to leave a financial cushion for your spouse, or contribute to your children or grandchildren’s education? [Read More](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-iii-1) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [The Stages of Life Insurance Part II](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-ii) Posted by [Empire Life](https://blog.empirelife.ca/old/author/empire-life) Mar 2, 2017 11:06:59 AM [![](https://blog.empirelife.ca/hubfs/Stages%20of%20Life%20Insurance%20Infographic/Part%202:%20Committed/EN/Committed-Teaser-EN.png)](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-ii) Young or old, planning for the future with life insurance is too often forgotten or placed on the back burner. You should think about life insurance when you have financial obligations, responsibilities and priorities. Could your family cover the mortgage payments and household maintenance costs if you died too soon? Would there be enough money for your children’s daycare, tuition for college or university? [Read More](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-ii) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [The Stages of Life Insurance Part I](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-i) Posted by [Empire Life](https://blog.empirelife.ca/old/author/empire-life) Feb 16, 2017 12:05:53 PM [![](https://blog.empirelife.ca/hubfs/Stages%20of%20Life%20Insurance%20Infographic/Millennials-Teaser-EN.png)](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-i) Most millennials think they don’t need life insurance. But did you know that nearly 3 out of 5 millennials say that if they suddenly passed away they would be concerned about the financial wellbeing of their loved ones?For many in this age range, life insurance never crosses their minds until a life changing event like marriage or having kids takes place. [Read More](https://blog.empirelife.ca/old/the-stages-of-life-insurance-part-i) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Life Insurance Mistakes to Avoid](https://blog.empirelife.ca/old/life-insurance-mistakes-to-avoid) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Apr 14, 2016 3:01:57 PM ![Life Insurance Mistakes to Avoid](https://blog.empirelife.ca/hs-fs/hubfs/Blog_images/Life_Insurance_Mistakes_to_Avoid/ENG/HeaderImg-v2.png?width=668&name=HeaderImg-v2.png "Life Insurance Mistakes to Avoid") There is no question that confusion exists when it comes to the topic of life insurance, and where there is confusion, mistakes can happen. So, to help you learn from other’s experiences, here are some common life insurance mistakes to avoid before, during and after you make a life insurance purchase:  [Read More](https://blog.empirelife.ca/old/life-insurance-mistakes-to-avoid) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Protecting your Home with Life Insurance](https://blog.empirelife.ca/old/protecting-your-home-with-life-insurance) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Feb 2, 2016 2:15:00 PM ![Couple with a house](https://blog.empirelife.ca/hs-fs/file-564313990-jpg/Blog_images/blog-mortgage-en.jpg?width=700&name=blog-mortgage-en.jpg "Couple with a house") Buying a home can be the single biggest purchase an individual will ever make.   [Read More](https://blog.empirelife.ca/old/protecting-your-home-with-life-insurance) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Factors that Determine How Much Your Life Insurance Will Cost](https://blog.empirelife.ca/old/factors-that-determine-how-much-your-life-insurance-will-cost) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Dec 2, 2015 3:06:14 PM How much you will pay for life insurance is based on several factors including your age, health and smoking status. Check out this infographic to help you understand all the factors that may influence your life insurance quote: [Read More](https://blog.empirelife.ca/old/factors-that-determine-how-much-your-life-insurance-will-cost) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Answering some important life insurance questions](https://blog.empirelife.ca/old/answering-some-important-life-insurance-questions) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Oct 26, 2015 2:35:01 PM ![Couple looking at laptop](https://blog.empirelife.ca/hs-fs/hubfs/Blog_images/Answering_Some_Important_Questions/iStock_000045333788_Small.jpg?width=650&name=iStock_000045333788_Small.jpg "Couple looking at laptop") Life insurance is an important part of your overall financial plan. We’ve put together some easy to understand video’s to help you get started with answering a few important life insurance questions. [Read More](https://blog.empirelife.ca/old/answering-some-important-life-insurance-questions) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Lessons Learned - Irrevocable Life Insurance Beneficiary not so “Untouchable”](https://blog.empirelife.ca/old/lessons-learned-irrevocable-life-insurance-beneficiary-not-so-untouchable) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Oct 20, 2015 10:22:00 AM ![Family being severed](https://blog.empirelife.ca/hubfs/Blog_images/Irrevocable_Beneficiary/iStock_000037969046_Small.jpg "Family being severed") As a follow-up to our recent post on when an [irrevocable life insurance beneciary may not be so "untouchable"](https://blog.fastandfull.ca/irrevocable-life-insurance-beneficiary-not-so-untouchable), **Peter Wouters**, Director of Tax Retirement & Estate Planning Services at Empire Life, continues to provide his insights on a recent court case where life insurance proceeds were made available to a dependant - despite the same policy naming another dependant as an irrevocable beneficiary as part of a separation agreement. Lessons to be learned? Find out.   [Read More](https://blog.empirelife.ca/old/lessons-learned-irrevocable-life-insurance-beneficiary-not-so-untouchable) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) ## [Irrevocable Life Insurance Beneficiary not so “Untouchable”](https://blog.empirelife.ca/old/irrevocable-life-insurance-beneficiary-not-so-untouchable) Posted by [Allison Barton](https://blog.empirelife.ca/old/author/allison-barton) Sep 30, 2015 1:30:29 PM ![Family on Bridge](https://blog.empirelife.ca/hs-fs/hubfs/Blog_images/Irrevocable_Beneficiary/iStock_000055638100_Small.jpg?width=642&height=350&name=iStock_000055638100_Small.jpg "Family on Bridge") An "**irrevocable life insurance beneficiary**" refers to a person that is designated to receive life insurance benefits from a life insurance policy or segregated fund contract where that designation cannot be changed without that person’s consent, and on the death of the life insured the benefits do not form part of the owner’s (if he/she is the life insured) estate. This is set out in the Insurance Act.  [Read More](https://blog.empirelife.ca/old/irrevocable-life-insurance-beneficiary-not-so-untouchable) Topics: [Helpful Tips](https://blog.empirelife.ca/old/topic/helpful-tips) [All posts](https://blog.empirelife.ca/old/all) [Next](https://blog.empirelife.ca/old/topic/helpful-tips/page/2) [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Empire%20Life%20Insurance%20Blog%20-%20Insuring%20With%20Care%20%7C%20Helpful%20Tips) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.empirelife.ca%2Fold%2Ftopic%2Fhelpful-tips%3Futm_medium%3Dsocial%26utm_source%3Demail) - - [1](https://blog.empirelife.ca/old) - [2](https://blog.empirelife.ca/old/topic/helpful-tips/page/2) - [3](https://blog.empirelife.ca/old/topic/helpful-tips/page/3) - [4](https://blog.empirelife.ca/old/topic/helpful-tips/page/4) - [5](https://blog.empirelife.ca/old/topic/helpful-tips/page/5) - [![Get a quote and apply for life insurance - Buy Now](https://no-cache.hubspot.com/cta/default/322854/08a3be98-3ef1-4780-a8a3-ce8a1993cecd.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/08a3be98-3ef1-4780-a8a3-ce8a1993cecd) ### Subscribe to Email Updates ### Most Popular Blog Posts ### Blog Categories - [Helpful Tips (41)](https://blog.empirelife.ca/old/topic/helpful-tips) - [Customer Service (9)](https://blog.empirelife.ca/old/topic/customer-service) ### Archives - [June 2017 (1)](https://blog.empirelife.ca/old/archive/2017/06) - [May 2017 (1)](https://blog.empirelife.ca/old/archive/2017/05) - [March 2017 (2)](https://blog.empirelife.ca/old/archive/2017/03) - [February 2017 (1)](https://blog.empirelife.ca/old/archive/2017/02) - [April 2016 (1)](https://blog.empirelife.ca/old/archive/2016/04) - [February 2016 (1)](https://blog.empirelife.ca/old/archive/2016/02) - [December 2015 (1)](https://blog.empirelife.ca/old/archive/2015/12) - [October 2015 (2)](https://blog.empirelife.ca/old/archive/2015/10) - [September 2015 (1)](https://blog.empirelife.ca/old/archive/2015/09) - [August 2015 (1)](https://blog.empirelife.ca/old/archive/2015/08) - [July 2015 (1)](https://blog.empirelife.ca/old/archive/2015/07) - [June 2015 (2)](https://blog.empirelife.ca/old/archive/2015/06) - [May 2015 (1)](https://blog.empirelife.ca/old/archive/2015/05) - [April 2015 (1)](https://blog.empirelife.ca/old/archive/2015/04) - [March 2015 (2)](https://blog.empirelife.ca/old/archive/2015/03) - [February 2015 (1)](https://blog.empirelife.ca/old/archive/2015/02) - [December 2014 (2)](https://blog.empirelife.ca/old/archive/2014/12) - [November 2014 (1)](https://blog.empirelife.ca/old/archive/2014/11) - [October 2014 (1)](https://blog.empirelife.ca/old/archive/2014/10) - [September 2014 (3)](https://blog.empirelife.ca/old/archive/2014/09) - [August 2014 (3)](https://blog.empirelife.ca/old/archive/2014/08) - [July 2014 (2)](https://blog.empirelife.ca/old/archive/2014/07) - [June 2014 (2)](https://blog.empirelife.ca/old/archive/2014/06) - [May 2014 (3)](https://blog.empirelife.ca/old/archive/2014/05) - [April 2014 (4)](https://blog.empirelife.ca/old/archive/2014/04) - [March 2014 (3)](https://blog.empirelife.ca/old/archive/2014/03) - [February 2014 (6)](https://blog.empirelife.ca/old/archive/2014/02) - [January 2014 (6)](https://blog.empirelife.ca/old/archive/2014/01) See all ### Get In Touch ## Contact Us **The Empire Life Insurance Company** 259 King St. E., Kingston, Ontario, K7L 3A8 Monday to Friday 9:00 a.m. to 5:00 p.m. EST **Email:** [insuringwithcare@empire.ca](mailto:insuringwithcare@empire.ca) **Telephone:** 1 866 894-6182 [www.empire.ca](http://www.empire.ca) [Blog Disclaimer](https://info.fastandfull.ca/fast-and-full-blog-disclaimer)