Empire Life Insurance Quote in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Empire Life is a Canadian insurer known for its flexible products. Compare with more than 20 companies in Quebec.
- Highly flexible life insurance products
- Competitive rates
- Popular with independent brokers
- Simplified underwriting process
About Empire Life
The Empire Life Insurance Company is a Canadian insurer founded in 1923. Known for its flexible, competitively priced life insurance products, Empire Life is a popular choice among independent advisors in Quebec.
Empire Life is a mid-sized company offering more personalized service than the large insurers. Specializing in distribution through independent brokers, it does not sell directly to consumers, which guarantees impartial advice. A privately controlled company held through E-L Financial Corporation, it offers stability and a long-term outlook.
Specialties
Products offered by Empire Life
- 10-, 20- and 30-year term life insurance
- Universal life insurance
- Short- and long-term disability insurance
- Critical illness insurance
- Segregated funds and investments
- Group insurance plans
Why consider Empire Life?
Highly flexible life insurance products
Competitive rates
Popular with independent brokers
Simplified underwriting process
Private company offering long-term stability
Personalized service — the advantage of a mid-sized insurer
Why compare Empire Life with other insurers?
Even though Empire Life offers excellent products, rates and coverage vary considerably from one insurer to the next. An independent advisor certified by the AMF can compare Empire Life with more than 20 other companies to make sure you get the best coverage at the best rate.
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Where Empire Life is the cheapest in our survey
In our survey of October 30, 2026 among the insurers we compare, Empire Life offers the lowest monthly premium in 65 of 606 combinations (about 11%), for a non-smoker in Quebec. Here they are, by product.
20-year term life insurance
- Woman, age 25, $250,000$12.82
- Woman, age 25, $500,000$19.35
- Woman, age 25, $1,000,000$31.50
- Woman, age 30, $500,000$19.80
- Woman, age 30, $1,000,000$32.40
- Woman, age 35, $1,000,000$36.90
- Woman, age 40, $1,000,000$56.70
- Woman, age 45, $1,000,000$91.80
- Woman, age 50, $100,000$24.75
- Woman, age 50, $1,000,000$150.30
- Woman, age 55, $250,000$83.70
- Woman, age 55, $500,000$150.75
- and 26 more combinations
25-year term life insurance (mortgage)
- Woman, age 30, $500,000$27.00
- Woman, age 35, $500,000$31.50
- Woman, age 40, $500,000$46.80
- Woman, age 40, $750,000$67.95
- Woman, age 45, $300,000$50.94
- Woman, age 45, $500,000$73.80
- Woman, age 45, $750,000$108.45
- Woman, age 50, $300,000$81.18
- Woman, age 50, $400,000$106.74
- Woman, age 50, $500,000$121.50
- Woman, age 50, $750,000$180.00
- Man, age 30, $300,000$25.29
- and 4 more combinations
Permanent life insurance (premiums payable for life)
- Woman, age 50, $25,000$35.86
- Woman, age 55, $25,000$45.09
- Man, age 50, $25,000$41.15
- Man, age 55, $25,000$51.28
- Man, age 70, $50,000$232.31
Permanent life insurance, age 50 and over
- Woman, age 50, $25,000$35.86
- Woman, age 55, $25,000$45.09
- Man, age 50, $25,000$41.15
- Man, age 55, $25,000$51.28
20-year term critical illness insurance
- Woman, age 25, $50,000$14.58
- Man, age 25, $25,000$9.02
Lowest monthly premium among the insurers surveyed through WinQuote, standard class or simplified issue depending on the product. For guidance only: your rate depends on your profile. Get your actual rate.
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The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Questions about Empire Life
Empire Life is known for its flexible life insurance products, competitive rates and fast underwriting process. It is a popular choice recommended by many brokers.
Yes, Empire Life offers certain simplified issue products, with no medical exam required, for lower coverage amounts.
Fill out our free form. A certified advisor will compare Empire Life with other insurers and recommend the best option for you.
Empire Life does not sell directly to consumers. You go through a financial advisor or an independent broker in Quebec, which guarantees advice tailored to your situation.
Yes. Despite its more modest size, Empire Life holds more than $18 billion in assets and has excellent financial strength ratings. Its private structure gives it long-term stability.
Yes, Empire Life employs about 100 people in Quebec and offers its services and documents in French.
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