Empire Life Critical Illness Insurance Review – Updated 2024


Empire Life is a leader in critical illness coverage, offering coverage for 25 conditions, 6 partial payout conditions with up to $2,000,000 in coverage. Coverage options are defined as basic (4 conditions covered) or enhanced (25 conditions covered) with term options of 10, 20, and up to 75 years of age.


Empire Life Critical Illness Insurance rating and review

With a well-rounded mix of terms and features included in their critical illness insurance plans, Empire Life provides a great, comprehensive product. They also offer what is called a multi-life policy. Couples can apply together for critical illness insurance and get a discount.

PolicyAdvisor Rating

Best Critical Illness for Couples

AM Best Rating A


Pros and cons


  • High coverage amounts available
  • Comprehensive: 25 conditions covered
  • Multi-life coverage available
  • Online access
  • Digital e-policy
  • Generous partial benefit payouts


  • No limited pay options
  • No Return of premium on death (ROPD)
  • No coverage for children
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Who is Empire Life?

Established in 1923, Empire Life is a relative youngster in the world of Canadian insurance. Don’t let youth fool you though, as Empire Life is now one of Canada’s top 10 insurers and amongst Forbes’ top Canadian employers. They accomplish this while following the mantra of CEO Mark Sylvia as quoted in their most recent annual report: “We sell money for future delivery when it is needed most.”

Types of critical illness insurance policies Empire Life offers

Yes. Empire Life’s critical illness insurance products are named CI Protect (basic coverage of 4 of the most common critical illnesses) and CI Protect Plus (enhanced coverage, 25 life-threatening conditions covered).

Coverage and policy details

Empire Life’s maximum coverage for critical illness insurance is $2 million.

The covered conditions include coverage for loss of independent existence. The CI Protect Plus product from Empire Life offers partial payouts for 6 different conditions, and they can be claimed twice without reducing the final payout. The payout is typically 15% of the policy up to a maximum of $50,000.

The survival period (how long you must survive with the illness before you can collect your benefit) is 30 days.

Empire Life offers critical illness insurance for 10- and 20-year terms or coverage up to 75 or 100 years of age.

There is a limited-pay option for their Term to 100 policy (15 Pay).

Benefits of term life insurance
Product Name CI Protect and CI Protect Plus
Critical Illness coverage Basic and Enhanced Coverage
Available Terms 10 years, 20 years, and to age 75 or 100
Limited Pay option 15 Pay option available on Term to 100 policies
Maximum coverage Up to $2 million
Conditions covered Enhanced – 25 conditions
Loss of Independent Existence coverage Yes
Partial payout conditions 6 eligible conditions.
Partial payment or early detection payment Yes, 15% up to $50,000, payable up to two times
Childhood illnesses coverage No
Survival period 30 days
Return of Premium on death Yes
Return of Premium on expiry/cancellation Yes
Second option No
Electronic application Yes
Online account access Yes
Electronic policy delivery Yes

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Does Empire Life critical illness insurance offer a return of premiums?

Empire Life offers a return of premiums on death, and return of premium on expiry or cancellation of the policy.

How do I apply Empire Life’s for critical illness insurance?

You can apply for Empire Life’s critical illness insurance using the best online life insurance broker in Canada. You can enter your information and look up quotes using the button below or schedule a call with one of our licensed brokers to apply for Empire Life’s critical illness insurance.

Need help?
Call us at 1-888-601-9980 or book time with our licensed experts.
By Jiten Puri
CEO & Founder, Insurance Advisor, LLQP
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