Class Plus 3.0


9 of 10 Canadians want guaranteed income for life.1 Shifting demographics and the economic realities of today mean more Canadians than ever before are looking for a secure source of retirement income. 

Class Plus 3.0® is a Guaranteed Withdrawal Benefit product. When your clients invest in Class Plus 3.0, they are guaranteed to receive a predictable monthly income that is guaranteed for as long as they live.Class Plus 3.0 is full of features for your clients:

  • 4% Annual Income Base3 - the highest guaranteed bonus rate in the industry!4
  • Unique Lifetime Withdrawal Amount (LWA) payout rates for each age,5 including a 4% LWA at age 65
  • Annual Automatic Income Resets mean client’s income may be bumped up
  • Death Benefit Guarantee6 and Income Base reset automatically every 3 years

TRIIPSS #5B: Guaranteed Lifetime Income In Action:

Complete the questionnaire

Watch the webinar and complete the quiz to earn CE credits. CE credits are pending.

TRIIPSS #5A: Guaranteed Lifetime Income: 90% Retirement Income Factor:

Complete the questionnaire

Watch the webinar and complete the quiz to earn CE credits. CE credits are pending.

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Class Plus 3.0 RRIF Video

Class Plus 3.0 RRSP Case Study

Class Plus 3.0 RRIF Case Study

Class Plus 3.0 Illustrator

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Class Plus 3.0 Client Guide

 Class Plus 3.0 Client Mailer

Investment Product Overview
For printable applications click here >
For Information Folders and Fund Facts click here >

For more marketing materials click here >
Questions? Talk to your Empire Life Sales Representative or call us at 1-877-548-1881 for more information.


1 Designing retirement schemes Canadians want. caat pension plan. April 2017. 2 Making an Excess Withdrawal may decrease the guaranteed retirement income for life amount. 3 The Income Base Bonus is credited in years that there are no withdrawals from Class Plus 3.0 for the first 20 calendar years you own Class Plus 3.0. It is a notional amount and has no cash value. Empire Life Competitive Survey April 2020. 5 Available from ages 55 to 80. 6 Up to and including Annuitant’s 80th birthday. 

A description of the key features of the individual variable insurance contract is contained in the Class Plus 3.0 Information Folder. 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.