Industry-leading enhancements to Trilogy® Universal Life from Empire Life help advisors tailor solutions to clients

Kingston, ON – November 20, 2006 — The Empire Life Insurance Company (Empire Life) today announced further enhancements to Trilogy, a universal life product that continues to evolve to meet the changing financial and wealth management needs of Canadians. The enhancements represent the largest number of revisions to the product since Trilogy Universal Life was first introduced in September 2000. “A great universal life product just got better,” says Owen Rhoden, Manager of Life and Health Product Marketing.

Better delivery of information is achieved through a completely revised client statement and new online investment information. The new, easy-to-read, graphic-enhanced client statement uses a precise rate of return that is calculated in real time with each transaction. Advisors now have access to the up-to-date online investment information (powered by globefund.com) through the Empire Life Web site.

Trilogy Universal Life now offers an industry-leading fifth cost of insurance (COI) option�a 20-year term COI. Improved estate-planning capability and new investment options will broaden the market of Trilogy, says Rhoden. “We’ve made it even easier for advisors to provide their clients with the right solution for their needs.”

Designed to appeal to the growing number of Canadians with estate-planning needs, Trilogy Universal Life now also includes a joint last-to-die feature, which reduces the cost of insurance premiums to zero upon the first death, alleviating that financial worry for the surviving party.

New investment enhancements to Trilogy include five portfolio investment options and two equity investment options (Canadian Equity Fund and Global Smaller Companies Fund). “Clients want low fees and actively managed funds�we’re able to provide both,” says Rhoden, adding that the new options are low maintenance from the advisor’s perspective. “Our Segregated Funds have a proven performance track record for more than 40 years and follow a conservative, value-oriented investment management style. Adding these options to Trilogy allows us to offer a high-quality product that meets the needs of our customers.”

About Empire Life

The Empire Life Insurance Company (Empire Life) provides solutions for the changing financial security and wealth management needs of Canadians. Through a nationwide network of professional financial advisors, managing general agents, brokers and group producers, Empire Life offers competitive individual and group life and health insurance, investment products and segregated funds. The Company’s success is based on a commitment to being approachable and responsive to the needs of its clients and business partners, on consistently solid investment performance, and on faith in its employees as future leaders of the Company. More at http://www.empire.ca