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

Class Plus 3.0 RRSP Video
Class Plus 3.0 RRIF Video
    • Client friendly and easy to understand
    • Shows how clients can meet goals despite market volatility
    • Share with clients to start conversation about guaranteed income
    • Client friendly and easy to understand
    • Shows that Class Plus 3.0 is an ideal solution for converting an
      RRSP to a RRIF
    • Share with clients to start conversation about guaranteed income

Class Plus 3.0 RSP Case Study
Class Plus 3.0 RRIF Case Study
Class Plus 3.0 Illustrator
Class Plus 3.0 RRSP Case Study
Class Plus 3.0 RRIF Case Study
Class Plus 3.0 Illustrator
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Download sales aid
Try our online illustrator

Discover the Class Plus 3.0 difference
Introduce clients to the benefits of Class Plus 3.0
Give your clients guaranteed retirement income for life
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Download the advisor summary

Download the client guide

Start a meaningful conversation!
Everything at your fingertips
Download the client mailer
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Download the client mailer
Download the Investment Product Overview

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. 

The Empire Life Insurance Company
259 King St. E. Kingston, Ontario K7L 3A8
1 877 548-1881
8:30 a.m. to 5:00 p.m. EST, weekdays