It's a simple choice

• Income For Life or guaranteed withdrawals for up to 14 years.
• Bonuses For Life
• Investment Diversity - funds from leading managers
• Income flexibility

HOW IT WORKS!

Guaranteed income for life regardless of market conditions.

Guaranteed Income for Life

There are things you want to be sure of in life. A predictable income in retirement is pretty close to the top of that list. $100,000 invested at age 65 gives you a guaranteed annual income of $5,000, even if the market value of your investments goes to zero. Guaranteed income for life.

Also, your investment does reset on a three year anniversary when you are taking income and also when you are in an older age bracket (55-59=4%, 60-64=4.5%, 65-69=5%, 70-74=5.5% & 75+=6%) the percentage of the withdrawal balance will increase, meaning you will receive a higher income for life.

You can also benefit from market upswings if the value of your investment rises over time – meaning your level of guaranteed income can increase.

Versatility & Flexibility

• you can begin receiving income for life as early as age 55
• you have a range of income options, 4% from age 55 up to 6% at age 75+

Guaranteed Bonuses

• as you save for retirement, Guaranteed Income can guarantee an annual 5% bonus for life (for any year no withdrawals are made)

If you invest in advance of your need to draw income, Guarantee Income guarantees a 5% bonus* on your initial investment each year that you don't draw income. The bonuses will increase your lifetime income by a corresponding percentage.

*Please note the 5% income bonuses are not a guaranteed rate of return, they have no cash value and do not increase maturity or death benefit guarantees. The 5% income bonuses increase your income withdrawal balance which is used to calculate your income. Bonuses can continue for life for all years in which no withdrawals are made.

Protection

• your capital, income and even market growth can be protected

Automatic Lock-ins of Growth Can Increase Your Income

If the value of your investment portfolio rises, it can be locked into your income withdrawal balance –the amount your income is based on. The lock-in occurs once every three years on the anniversary date of your original investment. If your income withdrawal balance increases, it assures a higher guaranteed income for life – even if markets go down in the future. These three - year anniversary income resets are available for the life of the policy, during both the accumulation phase and the withdrawal phase. During the accumulation phase, a reset increases subsequent bonuses.

Bonuses in Action

Bonuses* are added to the income withdrawal balance. When investments perform well, the market value becomes the guaranteed value every three years on the anniversary date of your original investment. Each reset of the guaranteed value results in an increase to the bonus. The Bonus is granted for each year that no withdrawals are made. Your income withdrawal balance** corresponds to deposits, bonuses and resets.

Estate Planning

• Guaranteed Income assets can bypass probate, going to your heirs without unnecessary complications

Guaranteed Income offers a minimum 100% Death Benefit Guarantee, reduced proportionally by withdrawals. Resets to the Death Benefit Guarantee occur every three years on the anniversary date if the market value is higher (to age 80). In the event of your death, the proceeds of your contract can pass directly to your beneficiaries without the time delay and expense of probate (probate fees vary by province).

Potential Creditor Protection

Segregated funds are part of an insurance policy; therefore your policy may be protected from creditors.