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<sup>Contracts are issued by The Empire Life Insurance Company. The information in this document is for general information purposes only and is not to be construed as providing legal, tax, financial or professional advice. The Empire Life Insurance Company assumes no responsibility for any reliance made on or misuse or omissions of the information contained in this document. Please seek professional advice before making any decision.

A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value. Please read the information folder, contract and fund facts before investing. Performance histories are not indicative of future performance.

PROTECTION PORTFOLIO, PROTECTION PORTFOLIOS, and EL are trademarks of The Empire Life Insurance Company. EMPIRE LIFE, Insurance & Investments – Simple. Fast. Easy., and the Empire Life logo are registered trademarks of The Empire Life Insurance Company. CANOE, and Canoe Financial and Design are registered trademarks of Canoe Financial LP and used under license.

Canoe Financial LP is the manager of the Canoe Financial mutual funds and Aegon USA Investment Management, LLC is the sub-adviser of certain Canoe Financial mutual funds. Canoe Financial is a Canadian, employee-owned, independent investment manager that provides a diversified range of investment solutions. Aegon USA Investment Management is a US-based SEC registered investment adviser and is also registered as a Commodity Trading Advisor (CTA) with the Commodity Futures Trading Commission (CFTC) and is a member of the National Futures Association (NFA). Aegon USA Investment Management is part of Aegon Asset Management, the global investment management brand of the Aegon Group.</sup>