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Empire Life | Introducing Hybrid Solution 100

Let’s face it: it’s a new world for selling life insurance in Canada today. With prolonged low interest rates and premiums at record highs, finding the right solution to meet the needs of clients, at the right price, is not always easy. Enter Hybrid Solution 100, a new option for Canadians from Empire Life that combines adjustable and guaranteed features in one permanent life insurance product. When long-term interest rates go up, Hybrid Solution 100 premiums can go down. Clients know all the possible premiums they could pay over the life of the policy, including the minimum and maximum limits—no surprises.

Starting Wednesday, May 1, 2013, we will share information about Hybrid Solution 100 to our entire advisor network across Canada. We want to provide you with advance notice of what advisors in your organization can expect to hear from us and the marketing support we can provide. Here’s a look at what’s coming on Wednesday:

  • Full details about Hybrid Solution 100 on our secure advisor website and all marketing materials including a client brochure, case study, benchmark interest rates, FAQ, sample contracts and more tools to help your advisors understand Hybrid Solution 100 and how it can help clients
  • Access to SimpleQuote. Our newest mobile quoting tool is accessible from any web browser and provides a compliant illustration for Hybrid Solution 100
  • Information about Hybrid Solution 100 will be shared on our consumer website May 6, 2013

Over the coming weeks and months, we are looking forward to talking to you and your advisors about our entire life insurance offering and the opportunities Hybrid Life Insurance can offer clients. In the meantime, please contact your Empire Life Regional Vice-President to learn how clients can add Hybrid Solution 100 protection to their financial plans. We also want to hear from you. We encourage you to send your thoughts and questions about Hybrid Solution 100 to us at

For more than 90 years, providing Canadians with the means to help protect their families and financial security has been at the heart of everything we do at Empire Life, and that will continue. We thank you for your support and look forward to meeting the life insurance needs of your clients.

Sean Kilburn
Senior Vice-President
Life Insurance

Daniel Dessureault

Vice President
Retail Insurance Distribution

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