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. Providing clients with a quote for Hybrid Solution 100 is easy with our new SimpleQuote mobile quoting tool accessible from any web browser, anywhere, anytime. We invite you to learn more about Hybrid Solution 100 and talk to your Empire Life Account Executive. You’ll find out how Hybrid Solution 100 can be a good fit for clients who need permanent life insurance but don’t need to be locked-in to paying the higher premiums that come with low long-term interest rates. Over the coming weeks and months, we are looking forward to talking to you about our entire life insurance offering and the opportunities Hybrid Life Insurance can offer clients. We also want to hear from you. We encourage you to send your thoughts and questions about Hybrid Solution 100 to us. 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. | 
