Independent Life Insurance Reviews

Empire Life Life Insurance Reviews

(6 reviews)
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(1.5 out of 5 stars)
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Worst benefits company ever

(1.0 out of 5 stars)
by vigearshifter Dec 12, 2017
I have had nothing but problems with this company since my company switched to Empire Life in March 2017. They claim they don't receive paperwork, don't respond to your multiple requests when something is sent, deny paying even though the dentist has sent the information twice now (mailed and faxed). Very bad customer service attitude! Expect a doctor's referral even if you have been going to the physiotherapist/massage person for years. WORST COMPANY I HAVE EVER DEALT WITH!!!!!
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Not sure if you can qualify for life insurance with existing health pre-conditions? Let us to help you with a no medical life insurance quote , meaning that you do not need to pass a medical exam to qualify for a life insurance policy.

Long term disability

(1.0 out of 5 stars)
by Frustrated Apr 20, 2017
This company is all about taking your money but giving nothing in return. No wonder they sit on millions of money - never paid out for ltd, took them months to review a claim. Have 5 specialists with the same diagnosis and their reason for denial diagnosis hasn't changed. Really. Has a lifetime injury which prevents him from working and they say he's denied ltd. so don't pay thousands of dollar to this company they will keep it and give you nothing in return.
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The coverage is very limited

(2.0 out of 5 stars)
by Mr T Feb 15, 2017
Their coverage is mediocre, you have to make sure your provider is registered with the right credentials. Even if you find them on their search box in Empire Life website, it doesn't mean they're registered. It's means someone logged the provider info in their system, but Empire Life doesn't clear the information even if it's wrong. Therefore the only way to find your provider registry, is to go to the official website (i.e. RMT, for massage), and search a list of providers there. Many times I found myself paying a lot more on the service I used. Empire Life normally refund a percentage, ranging from 40% to 70%. You just have to pray for the reviewer not to tag you enough excuses not to reimburse you the amount (it's never 100%, always below 70%. Quite Random sometimes). Customer service is not great too. They reply after a couple of days via email, but never answer your questions properly. Pretty awful to be honest.
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Did you know that mortgage insurance is the same as life insurance but more expensive and offers less protection? By cancelling it and getting life insurance , you would typically save around 30%-40% for the same coverage.

Poor customer service

(1.0 out of 5 stars)
by Romeo May 17, 2016
very poor customer service Nobody picks up your call They keep calling you for their product and once you buy it, no follow-ups, no updates...nothing
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The worst company

(1.0 out of 5 stars)
by Alex Dec 31, 2014
I have been client of this company for almost two years. Claimed coverage for medicine, dental treatment for many times. didn't get any coverage. They are big cheaters, always lying ,never get real information. I will highly not recommend this company.
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Did you know there is a 35% chance of developing a critical illness before you are 65 and 65%-70% chance before you turn 81? That means getting a critical illness insurance quote is no less important than getting life insurance. Your choice.


(3.0 out of 5 stars)
by Anonymous Apr 11, 2012
Questions regarding coverage are not always answered correctly. My life insurer always cover my health insurance. For what I am paying, I feel some what nervous if there was a serious issue.
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