Empire Life Insurance Co

The most terrible insurance company. They will restrict your account for months because they can’t find the receipts you sent, then ask you to resend and have the hospital resend everything and still make every effort to make your life impossible! Not worth it- do not recommend anyone using them as they make claims EXTREMELY difficult. It’s not even for an ambiguous claim! It’s for a post surgery hospital stay and somehow they still can wrap their heads around how to process it. Absolutely shocking behaviour and terrible service.

We have 4 Insurance policies with Empire Life Insurance. Getting ahold of them on the phone is almost impossible. I called on December 07/26 and waited for over 30 minutes, at which time I opted for a call back, without losing my place in line. Well, I never received a call back. I called the next business day (December 08/26 and again waited online for well over 35 minutes, before I was able to speak with someone. This is unacceptable customer care and service. Unfortunately, I'm stuck with this extremely poor customer service, as I have been a client for over 52 years and I'm stuck with them.

I dealt with Matthew Molitowsky, he was very knowledgeable, easy to communicate with, and understand. He walked me through the steps and stages of my application. He gave me the best option for what I was looking for. That kind of customer service is why I am posting this comment!

Before getting life insurance with Empire Life, make sure you do your research. In my experience, the agents they assign do not genuinely care about you it feels purely commission-based. Once they sign you into a specific term, they disappear and suddenly become very difficult to reach. Communication drops off completely when you actually need support. On top of that, more money was taken from my account than what was stated in the term agreement. When I tried to ask questions or request a refund, it became nearly impossible to get in touch with my agent or anyone responsible for my policy. Calls and messages went unanswered, and there was no accountability. Overall, this has been a very frustrating and disappointing experience. I would not recommend this insurance company. Please do your due diligence before doing business with Empire Life I wish I had.

We had a great experience with Empire Life! The application process was smooth and easy, and everything was explained clearly. We felt supported and confident throughout the process. Highly recommend Empire Life for anyone looking for reliable coverage and great service.