¹ 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.
² Increasing Lifetime Withdrawal Amount (LWA) rates between ages 55 to 80, and level thereafter. Calculated based on the current Income Base and the applicable LWA percentage that corresponds to the Annuitant’s age as of December 31st of the following calendar year.
³ Adjusted proportionally for withdrawals.
⁴Death Benefit Guarantee automatically resets every 3 years to lock-in any market gains. Up to and including Annuitant’s 80th birthday. Adjusted proportionally for withdrawals.

Protect their future while investing for yours

Wealth accumulation phase

Build your retirement nest egg from a range of investment options such as Emblem Portfolios for instant diversification and several standalone funds that offer up to 80% equity exposure.

Retirement
phase

Here is where you get to enjoy the fruits of your labour, and with Class Plus 3.0 you can rest easy knowing that your income is guaranteed for as long as you live.

Legacy
phase

Class Plus 3.0 enables you to protect your initial investment in the event of your untimely death, by providing quick, cost-effective and private distribution of funds. You can also choose to continue the contract by naming a Successor Annuitant.

For you:

• Growth: Wide range of investment choice with up to 80% equity exposure to participate in market growth and a 4% Annual Income Bonus to help grow your future retirement income.
• Protection: Triannual income base resets and automatic annual income resets ensure your retirement income is ready when you are.
• Efficiency: Clear, straightforward reporting that takes the time out of tax time.

For them:

• Growth: Triannual guarantee resets that lock-in growth allowing your guarantees to grow with your investment
• Protection: Insurance guarantees that help protect your legacy from market downturns
• Efficiency: Efficiency: Fast, private distribution of your wealth when your loved ones need it most.