Empire Life Whole Life Insurance

Empire Life offers both participating and non-participating whole life insurance, allowing you to choose how you invest in your coverage.

Solution 100 Whole Life Insurance

• Permanent protection for life with guaranteed rates.
• Cash value beginning in the policy’s 4th year.
• The policy is fully paid by age 100.
• Up to $10,000,000 in coverage amounts.

EstateMax Whole Life Insurance

• Permanent protection for life with guaranteed rates.
• Premiums can be payable for 8 years, 10 years, 20 years, or until age 100.
• Minimum coverage amounts:
  • $10,000 for ages 0-17
  • $25,000 for ages 18-65
  • $10,000 for ages 66-75
• Maximum coverage amounts:
  • $10,000,000 for ages 0-65
  • $5,000,000 for ages 66-75
• Premiums that are guaranteed to stay level for life.
• 5 dividend options to choose from.
• Guaranteed cash surrender values after the 4th policy year.

Optimax Participating Whole Life Insurance

• Permanent protection for life.
• Premiums can be payable for 8 years, 10 years, 20 years, or until age 100.
• Minimum coverage amounts:
  • $10,000 for ages 0-17
  • $25,000 for ages 18-65
  • $10,000 for ages 66-75
• Maximum coverage amounts:
  • $10,000,000 for ages 0-65
  • $5,000,000 for ages 66-75
• Premiums that are guaranteed to stay level for life.
• 5 dividend options to choose from.
• Guaranteed cash surrender values after the 1st policy year.

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