Segregated Fund Recommendations

Canada Life - Lifetime Income Benefit [rider on select segregated funds]

• qualifying start age is between the ages of 50 and 90.
• Minimum depost of $25,000.
• Multiple contracts of $25,000 allowed.
• Annual Notional Bonus 5% on each anniversary of purchase date while no withdrawals are made.
• Lock-in of gains every 3rd year on anniversary of purchase date.
• Lifetime level withdrawals can start as early as age 50.

Transamerica Life - 5 For Life

• qualifying start age is between the ages of 18 and 80.
• Minimum deposit of $25,000.
• Multiple contracts of $25,000 allowed.
• Annual Notional Bonus 5% each calendar year end while no withdrawals are made. Not prorated in first year.
• Lock-in of gains every 3rd year on anniversary of purchase date.
• Lifetime level withdrawals can start as early as age 65.

Desjardins Financial Life - Helios

• No minimum qualifying age to start. Must be started before age 80.
• Minimum depost of $5,000.
• Multiple contracts not allowed.
• Annual Notional Bonus 5% each calendar year end while no withdrawals are made. Prorated in first year.
• Lock-in of gains every 3rd year on anniversary of purchase date.
• Lifetime level withdrawals can start as early as age 50.

Please note that more detailed descriptions of the above plans with segreaged funds, including investment objectives, and investment risks may be found in the Information Folder and accompanying Summary Fact Statements which may be obtained from John Beaton by contacting him through e-mail or telephone shown below.

Subject to the applicable death and maturity guarantees, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Segregated Funds are only available to Canadian residents. Persons resident or located in other countries are not eligible to purchase these products or associated services. Within Canada, the information on this web site is not intended to be construed as an offer to sell any insurance products in the province of Quebec.

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