Class Plus 3.0

Limited Time Offer: 5% Annual Income Base Bonus on Class Plus 3.0 for 2019!

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.The Income Base Bonus2 builds income potential for your client.

For a limited time, we’re increasing the 2019 Annual Income Base Bonus on Class Plus 3.0 from 4% to 5%! The 5% Annual Income Base Bonus – not pro-rated - will be applied to ALL eligible new and existing Class Plus 3.0 contracts.3

Class Plus 3.0 is full of features for your clients:

  • 4% annual Income Base Bonus Increased to 5% until December 31, 2019!
  • Lifetime Withdrawal Amount (LWA) payout rates for each age,4 including a 4% LWA at age 65
  • Annual Automatic Income Resets mean client’s income may be bumped up
  • Lower insurance fees and total cost5
  • Death Benefit Guarantee6 and Income Base reset automatically every 3 years
  • Potential for higher growth with up to 80% equity exposure

Download Information Circular

Be sure to tell your clients that the 5% Bonus is available only until December 31, 2019!


TRIIPSS webinar 90% Retirement Income Factor

Class Plus 3.0 RRSP Video

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 Making an Excess Withdrawal may decrease the guaranteed retirement income for life amount. 2 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. 3 Applies only to contracts from which no withdrawals are made in 2019. Offer ends December 31, 2019. Annual Income Base Bonus returns to 4% in 2020 for all qualifying contracts, regardless of the Income Base Bonus in place at the time of contract issuance. 4 Available from ages 55 to 80. 5 Compared to Empire Life Class Plus 2.1. 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.