Introduction. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
|
|
- Julianna Hopkins
- 5 years ago
- Views:
Transcription
1 Introduction managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
2 Agenda SunWise Essential Series design overview three Classes investment solutions Tools & marketing support
3 SunWise Essential Series A simpler, focused SunWise platform before highly customizable now a set of effective standard features that deliver a strong retirement and estate planning tools
4 The product
5 Introducing SunWise Essential Series Simplicity one contract covers all classes of units, which allows clients to consolidate accounts Three different classes of units to meet different needs: Income Class for guaranteed income for life Investment Class for wealth accumulation Estate Class for ensuring maximum estate value for beneficiaries
6 One contract three classes Income Class GLWB 100% Death Benefit 75% Contract maturity Selected income funds, balanced funds, Bundles, Portfolio Series Up to 70% equities Investment Class 75% Death Benefit 75% Contract maturity All funds, including Bundles and Portfolio Series Up to 100% equities Estate Class 100% Death Benefit 75% Contract maturity Income funds, balanced funds, Bundles, Portfolio Series Up to 70% equities
7 Contract level account Investment Class Income Class Age All classes in one contract Maximize financial benefits Build your own portfolio One application One statement One tax slip
8 SunWise Essential Series Income Class
9 Changing retirement landscape 60% of Canadian workers have no employer pension 45% have no employer pension or RSP savings private sector pensions are being cut back CPP/QPP and OAS combined provide a retirement income of about 40% of the average wage clients will likely require a retirement income that s roughly 60% to 70% of their current level of income Source: StatsCan, average weekly earnings, XIB; servicecanada.gc.ca for CPP and OAS payment rates for 2011; and The Globe & Mail seven-part series, Retirement Lost, October 2009.
10 The Retirement Risk Zone
11 Market risk Sequence of returns Source: Asset Allocation and the Transition to Income, Milevsky & Salisbury, September 2006.
12 The effects of market risk Will poor performance in the retirement risk zone change your client s plans?
13 Retirement risks inflation Purchasing power in 20 years $0.82 (1% inflation) $0.67 (2% inflation) $0.45 (4% inflation)
14 Retirement risks longevity
15 SunWise Essential Series Income Class Can help protect against the three retirement risks Market risk (sequence of returns) Inflation risk Longevity risk
16 Filling the gap For guaranteed retirement income SunWise Essential Series can help fill the gap * All amounts have been rounded. Based on 2011 maximum benefits at age 65, Canadian Pension Plan is $11,520 a year or $960 per month, and Old Age Security is $6, a year or $ per month.
17 SunWise Essential Series Income Class target age 50+ for guaranteed, predictable income for life regardless of market performance annual 5% Income Bonus available for year of purchase and next 15 years ability to ensure income for life for one life or two lives, if spouses larger income with age-tiered withdrawals for those age 70 or older principal protection guarantees 75% contract maturity benefit at age 100 and 100% at death (reduced proportionately by withdrawals) additional benefits of insurance contract including potential creditor protection and ability to bypass probate
18 Guaranteed in all markets
19 5% Bonus for guaranteed growth
20 Investment gains locked in
21 Customized withdrawals Eligibility date: Jan 1 / 65 as a % of the LWA Base Option Jan 1 / 55 LWA Rate varies based on age of the Annuitant at time of initial Withdrawal, subject to quarterly proration * Based on the expected age of Annuitant on December 31 of the year of the LWA Commencement Date. Resets occurring in a higher age tier will result in an increase in the LWA Rate. If the client makes the Age 55 LWA Election, deposits before January 1 of the calendar year in which the Annuitant (or, if the Two-Life Income Stream has been selected, the younger of the Annuitant and the Second Life) turns 65 years of age the client will be entitled to GLWB Resets but will not be entitled to an increase in the LWA Rate if a GLWB Reset occurs at a time when a higher age tier would apply.
22 One-Life or Two-Life Income Stream Guaranteed income Rate Available on Based on One-Life Income Stream Starts at 5% of the LWA Base annually Jan. 1, year the Annuitant is age 65 or older (option to start at age 55, at 4%) Life of Annuitant (recalculated after annuitant s death) Two-Life Income Stream Starts at 4.5% of the LWA Base annually Jan. 1, year the younger spouse is 65 or older (option to start at age 55, at 3.5%) Life of the Annuitant and second Life
23 Guaranteed for one life or two
24 Income for one life or two
25 RRIF for life
26 Age 55 LWA Election Details Will be available to new and existing contract holders 4% for One-Life and 3.5% for Two-Life starting at age 55 No increase of the LWA Rate on GLWB Reset for deposits before age 65 if Age 55 LWA Election is made Any deposits made after age 65 will create a Blended LWA Rate and have the potential for an increase of the LWA Rate on GLWB Reset
27 SunWise Essential Series Income Class designed to mitigate market risk and protect retirement income eliminates longevity risk with guaranteed retirement income for one life or two lives, if spouse guaranteed growth of retirement income with annual 5% Income Bonus available for year of purchase and next for 15 years automatic GLWB resets every three years to capture potential growth and act as a hedge against inflation automatic death benefit resets every three years until age 80 age-tiered withdrawals for larger income later in life up to 70% exposure to equity funds (through Bundles) principal protection guarantees 75% contract maturity benefit at age 100 and 100% at death (reduced proportionately by withdrawals)
28 SunWise Essential Series Investment Class
29 SunWise Essential Series Investment Class target age under 50 for wealth accumulation maximum growth potential with 100% equities principal protection guarantees 75% contract maturity benefit at age 100 and 75% at death (reduced proportionately by withdrawals) potential creditor protection ability to bypass probate available investments include over 85 funds, including equity, income and balanced funds, SunWise Essential Bundles and seven Portfolio Series funds ability to combine the liquidity of Investment Class with the predictable income from Income Class within one contract
30 SunWise Essential Series Estate Class
31 SunWise Essential Series Estate Class target age 65+ for ensuring maximum estate value balanced investments for moderate growth principal protection guarantees 75% contract maturity benefit at age 100 and 100% at death ability to bypass probate and potential creditor protection available investments include more than 50 funds, including income funds, balanced funds, SunWise Essential Bundles and five Portfolio Series funds up to 70% exposure to equity funds (through Bundles) ability to combine the liquidity of Estate Class with the predictable income from Income Class within one contract (in case of emergency or unforeseen expenses, Estate Class units can be withdrawn instead of Income Class units so their income stream will not be impacted)
32 Death Benefit Resets The Death Benefit resets every three years, with the final reset in the year the annuitant turns age 80
33 Investments
34 Investments
35 SunWise Essential Series Bundles one or two funds combined with one income fund segregated bundles hold a traditional bond fund and an equity fund; segregated diversified bundles hold a diversified income fund and an equity fund designed to ensure the maximum 70% equity allocation based on the holdings of the underlying funds rebalanced monthly to ensure that the equity exposure is always maximized
36 How the Bundle rebalancing works The fund allocation of the Bundle mix is determined by the underlying security allocation of the equity fund 0% cash 30% cash
37 Client benefits SWE Bundle vs. underlying funds with 70/30 asset mix Source: CI Investment Consulting
38 Summary
39 Key benefits one account consolidated reporting for all classes guaranteed growth of retirement income guaranteed retirement income for one life or two lives, if spouses, regardless of market performance locking in of portfolio gains for income and death benefits larger income for clients who commence an income later in life tax-efficient for non-registered accounts income for life for RRIFs largest selection of segregated funds in Canada
40 The Sales Process simpler, focused 1 Choose protection type 2 Structure contract to fit financial objectives 3 Select investment strategy Income Class Investment Class Estate Class One-Life or Two-Life Income Stream beneficiaries balanced funds, Bundles fixed income to 100% equity income and balanced funds, Bundles
41 Private Investment Management World-class portfolio management and a broad choice of investments Enhanced accessibility $100,000 per mandate per account to receive preferred pricing Competitive pricing High-net worth pricing at $100,000, reduced for upper tiers Guaranteed income and estate planning Available in all classes of CI SWESS Consolidate and simplify across platforms Link mutual, corporate class and SWESS accounts for reduced pricing & consolidated reporting once one account has $250,000. True product allocation
42 Tools & support
43 Advisor support: four videos illustration tool marketing collateral information folder and administration documents case studies and a scenario guide a dedicated segregated funds specialist team
44 Thank You All charts and illustrations in this presentation are for illustrative purposes only. They are not intended to predict or project investment results. To the extent of any inconsistencies between this guide and the January 2012 SunWise Essential Series Information Folder and Individual Variable Annuity Contract, the terms of the Information Folder and Contract prevail. For full product details and disclosure, refer to the Information Folder and Contract. Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contract providing for investment in SunWise Essential Series segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. CI Investments, the CI Investments design, Synergy Mutual Funds, Harbour Advisors, Harbour Funds, and Signature Global Advisors are registered trademarks of CI Investments Inc. Cambridge, Portfolio Series and Signature Funds are trademarks of CI Investments Inc. SunWise is a registered trademark of Sun Life Assurance Company of Canada. Fidelity Investments and the Fidelity design are registered trademarks of FMR Corp. RBC Asset Management is a registered trademark of Royal Bank of Canada. TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence. Dynamic Funds is a division of Goodman & Company, Investment Counsel Ltd. ( GCICL ). GCICL does not warrant or make any representations regarding the use or the results of the information contained herein in terms of its correctness, accuracy, timeliness, reliability, or otherwise. Franklin Templeton Investments, Franklin Templeton Investments Quotential Program and/or Franklin Templeton Investments and design are registered trademarks of Franklin Templeton Investment Corp.
At a Glance. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
At a Glance managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada At a Glance Contract Income Class Investment Class Estate Class One contract covers all classes - Maximize benefits
More informationSun Life Financial Advisor Guide
Sun Life Financial Advisor Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada SunWise Essential Series 2.............................. 1 Retirement risks.......................................
More informationClient Guide. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
Client Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada World-class portfolio management and a broad choice of investments Together, CI Private Investment Management
More informationSunWise Essential Bundles Overview
SunWise Essential Bundles Overview managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada t SunWise Essential Bundles SunWise Essential Bundles maximize your equity exposure SunWise
More informationSun Life Assurance Company of Canada Tax-Free Savings Account Application Form - May Updated with CPA requirements
Sun Life Assurance Company of Canada Tax-Free Savings Account Application Form - May 2009 - Updated with CPA requirements Including SunWise Elite Plus SunWise Elite is an individual variable annuity contract
More informationEmpire Life Class Plus
Empire Life Class Plus Client guide Guaranteed retirement income for life Class Plus gives you guaranteed retirement income for life and peace of mind. You have worked hard to build peace of mind for your
More informationEmpire Life Class Plus
Empire Life Class Plus Client guide Guaranteed retirement income for life Class Plus gives you guaranteed retirement income for life and peace of mind. You have worked hard to build peace of mind for your
More informationSunWise Essential CI Harbour Bundles
SunWise Essential CI Harbour Bundles managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada s Here s how they work All equity funds hold a certain amount of cash. With s, we consider
More informationSunWise Essential CI Signature Bundles
SunWise Essential CI Signature Bundles managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada s Here s how they work All equity funds hold a certain amount of cash. With s, we consider
More informationMarket Cycles and the Retirement Risk Zone
Market Cycles and the Retirement Risk Zone managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Retirement risk zone Your clients, can have a good plan in place, make regular contributions
More informationTax-Free Savings Account (TFSA) Advisor Administration Guide
Tax-Free Savings Account (TFSA) Advisor Administration Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Table of Contents Account applications for new SunWise Elite TFSA
More informationManulife RetirementPlus funds at a glance
Manulife RetirementPlus funds at a glance The first retirement management solution of its kind, Manulife RetirementPlusTM is an innovative, flexible retirement savings and income product that can support
More informationInvest with Peace of Mind
issued by Transamerica Life Canada Invest with Peace of Mind managed by CI Investments Inc. issued by Transamerica Life Canada Invest with Peace of Mind Growth with Protection Is protecting your investment
More informationMarket Cycles and the Retirement Risk Zone
Market Cycles and the Retirement Risk Zone Rethinking Retirement Planning managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Market cycles and the sequence of returns There s
More information10 Strategies to Pay Less Tax and Invest Wisely in Retirement
10 Strategies to Pay Less Tax and Invest Wisely in Retirement Agenda Overview, background 10 key strategies to minimize taxes and invest wisely in retirement 1. Spousal RRSPs 2. Tax-preferred investment
More informationSun Life Financial Estate Planning and Contract Structuring with SunWise Essential Series 2
Sun Life Financial Estate Planning and Contract Structuring with SunWise Essential Series 2 managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Table of Contents Sun Life Financial
More informationGUARANTEED INVESTMENT FUNDS INVESTMENT SOLUTIONS TO MEET YOUR NEEDS. Insurance & Investments Simple. Fast. Easy.
GUARANTEED INVESTMENT FUNDS INVESTMENT SOLUTIONS TO MEET YOUR NEEDS Insurance & Investments Simple. Fast. Easy. You know the importance of saving and investing for the future. Empire Life is proud to offer
More informationGUARANTEED RETIREMENT INCOME FOR LIFE
GUARANTEED RETIREMENT INCOME FOR LIFE Class Plus 3.0 Client Guide Insurance & Investments Simple. Fast. Easy. 1 in 4 pre-retirees do not believe they will have a financially comfortable retirement and
More informationInvestor Profile Questionnaire
Investor Profile Questionnaire managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Investor Profile Questionnaire Making a wise investment choice is dependent on a proper and
More informationBMO Guaranteed Investment Funds
A brief introduction to BMO Guaranteed Investment Funds October 1, 2014 Features of segregated funds Investment with Principal Guarantees Maturity and Death Benefit Guarantees Gains when market goes up,
More informationSun Life Assurance Company of Canada. Individual Variable Annuity Contract Amendment. April Including SunWise Elite Plus
Sun Life Assurance Company of Canada Individual Variable Annuity Contract Amendment April 2008 Including SunWise Elite Plus managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
More informationFund Codes - U.S. dollar mandates
Fund codes s - U.S. dollar mandates Money Market Class O Class E Class EF CI Short-Term US$ Corporate Class 19168 17168 - Money Market CI U.S. US$ Pool 19099 17099 15299 * Lawrence Park Strategic Fund
More informationEMPIRE LIFE CLASS PLUS 2.1
EMPIRE LIFE CLASS PLUS 2. Client Guide Guaranteed retirement income for life Insurance & Investments Simple. Fast. Easy. CLASS PLUS 2. CAN HELP YOU GET THE RETIREMENT INCOME YOU DESERVE. You have worked
More informationGUARANTEED RETIREMENT INCOME FOR LIFE
GUARANTEED RETIREMENT INCOME FOR LIFE Class Plus 3.0 Client Guide Insurance & Investments Simple. Fast. Easy. 1 in 4 pre-retirees do not believe they will have a financially comfortable retirement and
More informationSun Life Assurance Company of Canada
Sun Life Assurance Company of Canada Supplement dated January 2015 to the SunWise Essential Series 2 Segregated Funds Information Folder and Individual Variable Annuity Contract dated January 2015 (for
More informationIdeal Segregated Funds Signature 2.0 Information Folder
Ideal Segregated Funds Signature 2.0 Information Folder This Information Folder describes benefits that are not guaranteed. It is published for information purposes and is not an insurance contract. Key
More informationIdeal 75/100 and Ideal 100/100 Series
Investment Solutions This is all about Ideal 75/100 and Ideal 100/100 Series with Standard Life Hello. Growth potential, without the roller coaster ride. If you want to enjoy the potential of watching
More informationAgenda. 1. Death Benefit Guarantee 2. Minimum Income Guarantee 3. FORLIFE Income 4. Guarantee fees 5. RRIF and LIF 6. Taxation
1 Agenda 1. Death Benefit Guarantee 2. Minimum Income Guarantee 3. FORLIFE Income 4. Guarantee fees 5. RRIF and LIF 6. Taxation 2 1. Death Benefit Guarantee Death Benefit Guarantee Options upon Death 3
More informationManaging For Retirement Income
Managing For Retirement Income David Gorveatte CFP CPCA Financial Advisor Certified Financial Planner 318 Main Street Fredericton, New Brunswick E3A 1E5 (506) 474-0010 TERMINOLOGY If the terms don t make
More informationSunWise Essential Bundles Overview
SunWise Essential Bundles Overview managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada SunWise Essential Bundles 4. Providing a balanced investment involving specific funds, with
More informationManaging For Retirement Income
Managing For Retirement Income David Gorveatte CFP CPCA Financial Advisor Certified Financial Planner 318 Main Street Fredericton, New Brunswick E3A 1E5 (506) 474-0010 TERMINOLOGY If the terms don t make
More informationAn overview of the benefits and rules surrounding spousal RRSPs
January 26, 2012 Spousal RRSPs An overview of the benefits and rules surrounding spousal RRSPs You should obtain professional advice from a qualified tax advisor before acting on any of the information
More informationInformation Folder. issued by Transamerica Life Canada
issued by Transamerica Life Canada ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE OWNER AND MAY INCREASE OR DECREASE IN VALUE. TRANSAMERICA LIFE CANADA IS THE ISSUER OF
More informationPensions Part 3 Deferred Profit Sharing Plans
June 3, 2010 Pensions Part 3 Deferred Profit Sharing Plans This article is the third part of a four-part series on employer retirement plans. Due to the complexity and variety of employer retirement plans,
More informationInvestor Profile Questionnaire
Investor Profile Questionnaire managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Investor profile questionnaire You have your own unique blend of financial needs and resources
More informationADVISOR USE ONLY PAYOUT ANNUITY OVERCOMING OBJECTIONS. Life s brighter under the sun
ADVISOR USE ONLY PAYOUT ANNUITY OVERCOMING OBJECTIONS Life s brighter under the sun Overcoming objections Overview > > Payout annuities are a powerful retirement tool and have been an important product
More informationSun Life Financial Advisor Administration Guide
Sun Life Financial Advisor Administration Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada How to complete a SunWise Essential Series Signature Form... 1 y All plan types
More informationClient Service Agreement
RBC Dominion Securities Inc. Tracy Price Wealth Management Team of RBC Dominion Securities Client Service Agreement Professional Wealth Management Since 1901 Tracy Price Wealth Management Team of RBC Dominion
More informationissued by Sun Life Assurance Company of Canada
Sun Life Assurance Company of Canada Rapid Application Form - For All Plan Types (Open, RRSP, RRIF, TFSA) - January 2012 Only to be used by Nominee/Intermediaries establishing self-directed accounts via
More informationMaking the most of your TFSA dollars
TAX, RETIREMENT & ESTATE PLANNING SERVICES TAX MANAGED STRATEGY 17 Making the most of your TFSA dollars Tax Free Savings Accounts (TFSAs) can be an excellent savings vehicle, however, consideration should
More informationPension Income Splitting
February 11, 2010 Pension Income Splitting How you and your spouse may be able to benefit Since the introduction of the pension income splitting rules in 2007, many families have significantly reduced
More informationSEGREGATED FUND SOLUTIONS INVESTMENTPLUS. Building wealth THE MANUFACTURERS LIFE INSURANCE COMPANY
SEGREGATED FUND SOLUTIONS INVESTMENTPLUS Building wealth THE MANUFACTURERS LIFE INSURANCE COMPANY GIF Select InvestmentPlus: An attractively-priced savings solution with potential capital protection GIF
More informationSpousal RRSPs. What is a spousal RRSP?
The Navigator RBC Wealth Management Services Weatherill Wealth Management Group Spousal RRSPs The potential benefits of contributing to your spouse s RRSP Making contributions to your spouse s RRSP may
More informationNew Anti-wrinkle investments.
New Anti-wrinkle investments. BMO Guaranteed Investment Funds To help you worry less and live more. BMO Insurance Insurance and investment solutions designed to fit your life. Insurer Financial Strength
More informationTheir role in retirement income planning
Locked-in Plans Their role in retirement income planning When you leave an employer, you can generally transfer the tax-sheltered portion of the commuted value of your pension to a Locked-in Plan governed
More informationSEGREGATED FUNDS. Savings and Retirement PIVOTAL SELECT TM. Advisor Guide
SEGREGATED FUNDS Savings and Retirement PIVOTAL SELECT TM Advisor Guide TABLE OF CONTENTS About Equitable Life of Canada 2 Pivotal Select product overview 3 Offering a solution for every investor need
More informationImportant changes affecting your Sun GIF Solutions contract #<insert number>
Important changes affecting your Sun GIF Solutions contract # Dear , We value our relationship with you and want to share some important information in this letter. As described
More informationSecure your retirement plans
1/43 Secure your retirement plans May 2010 Market volatility Price Index MSCI World (January 1997 - January 2010) 2/43 3/43 Market returns and income duration $5,000 withdrawal every year Year 1 2 3 4
More informationOpportunities for pension income splitting
Opportunities for pension income splitting TAX MANAGED STRATEGY 15 Spouses 1 are allowed to split qualified retirement income with their spouse. This can result in a reduction of family taxes and can also
More informationPensions Part 2 Defined Contribution Plans
June 3, 2010 Pensions Part 2 Defined Contribution Plans This article is the second part of a four-part series on employer retirement plans. Due to the complexity and variety of employer retirement plans,
More informationmackenziefinancial.com How to Use Segregated Funds
mackenziefinancial.com How to Use Segregated Funds M a c k e n z i e S e g r e g a t e d F u n d s A V a l u a b l e S e t o f B e n e f i t s The Segregated Fund Basics A segregated fund is an investment
More informationProfessional Wealth Management Since 1901
Locked-in RRSPS and YouR options Professional Wealth Management Since 1901 RBC Dominion Securities Inc. Financial Planning Publications At RBC Dominion Securities Inc., we have been helping clients achieve
More informationTax-Free Savings Account (TFSA) How the TFSA can help you reach your financial goals
October 21, 2010 Tax-Free Savings Account (TFSA) How the TFSA can help you reach your financial goals The Tax-Free Savings Account (TFSA) was introduced by the federal government in the 2008 budget. Since
More informationRetirement Checklist. Making the most of your retirement
Retirement Checklist Making the most of your retirement 2 Making the most of your retirement RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted
More informationAn institution focused on innovation
An institution focused on innovation Our mission Guided by our 100% open architecture structure, we are dedicated to providing diverse investment solutions to meet the evolving needs of clients. Our vision
More informationSimplify, preserve and enhance.
Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come with unique responsibilities,
More informationTaxation of your RRSP/RRIF at death
The Navigator RBC Wealth Management Services Estate planning for your RRSP/RRIF Throughout your life, many opportunities and choices will arise that have financial implications both for the short and long
More informationCase study RRSP to RRIF account. The story of Robert and Elizabeth
Case study RRSP to RRIF account The story of Robert and Elizabeth Effective November 1, 2016, Fiera Capital assumed responsibility for the funds risk management overlay strategy. CI has appointed Fiera
More informationsegregated fund policies
Y o u r g u i d e t o L o n d o n L i f e segregated fund policies GUARANTEES PROTECTION STRENGTH 75/75 guarantee policy 75/100 guarantee policy 100/100 guarantee policy Table of contents 4 Segregated
More informationSEGREGATED FUNDS. Savings and Retirement PIVOTAL SELECT. Investment Class THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
SEGREGATED FUNDS Savings and Retirement PIVOTAL SELECT Investment Class THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA The Equitable Life Family of Segregated funds Pivotal Select Investment Class is a
More informationInformation folder November 2018 GREAT-WEST LIFE SEGREGATED FUNDS POLICIES PREFERRED SERIES 2
Information folder November 2018 GREAT-WEST LIFE SEGREGATED FUNDS POLICIES PREFERRED SERIES 2 Digital copy available at Greatwestlife.com/informationfolders The Great-West Life Assurance Company is the
More informationRetirement Checklist. Making the most of your retirement
Retirement Checklist Making the most of your retirement RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted financial concerns, simplify your
More informationWhy Evolution Private Managed Accounts?
Advisor Guide Why Evolution Private Managed Accounts? Be empowered by an innovative solution tailor-made for your clients. Experience holistic wealth management customized to meet your clients needs today
More information> The Role of Insurance in Wealth Planning
> The Role of Insurance in Wealth Planning Guaranteed investment solutions ASSANTE ESTATE AND INSURANCE SERVICES INC. Guaranteed investment solutions A common perception is that guaranteed investment vehicles
More informationBMO Life Assurance Company
BMO Life Assurance Company Product Overview November 2, 2015 PN0001E (formerly PN0022E) (2015/11/02) Product Overview: Universal Life Plans Market leading universal life insurance. Plans for various estate
More informationFOR ADVISOR USE ONLY. Segregated
FOR ADVISOR USE ONLY Identifying Segregated Fund Clients Identifying Segregated Fund Clients Just about every financial advisor has clients who expect that no matter what else you do, you must at least
More informationRETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT
RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT HELPING YOU MAKE THE MOST OF YOUR RETIREMENT If you are getting close to retirement, or have just recently retired, there are many financial details
More informationPRODUCT GUIDE. The SOLUTION Before life presents the problem. fixed indexed annuity. Oxford Life Select SERIES S-SERIES A M BEST
PRODUCT GUIDE Oxford Life Select SERIES fixed indexed annuity Financial Strength Rating A M BEST A- Excellent *Effective as of 5-26-2016. For the latest rating, access www.ambest.com A.M. Best assigns
More informationPension income splitting
Tax & Estate In 2006, the federal government introduced a new planning opportunity for Canadian seniors: the ability to split pension income. This Infopage explains what pension income splitting is and
More informationNew RRSP/RRIF Anti-Avoidance Rules
November 18, 2011 New RRSP/RRIF Anti-Avoidance Rules You should obtain professional advice from a qualified tax advisor before acting on any of the information in this article. This will ensure that your
More informationFinancial Advisory Solutions Team. Retirement Checklist. Making Sure You Don t Leave Any Stone Unturned in Retirement. Government Benefits
WEALTH MANAGEMENT Wealth and Money Management Strategies and Solutions Financial Advisory Solutions Team Making Sure You Don t Leave Any Stone Unturned in Retirement Prashant Patel, ASA, CFP, Financial
More informationSeptember 05, Dear John,
Pascal Leo, CIM Knowledge Specialist Sun Life Financial - Client Solutions Centre 1 York St, 27th Floor Toronto, ON M5J 0B6 1-877-504-8031 432-7724 pascal.leo@sunlife.com September 05, 2017 Dear John,
More informationPRODUCT GUIDE. Royal Select. fixed indexed annuity. The SOLUTION Before life presents the problem.
PRODUCT GUIDE Royal Select fixed indexed annuity The SOLUTION Before life presents the problem. Royal Select Fixed Indexed Annuity The Oxford Life Royal Select Fixed Indexed Annuity offers you the opportunity
More informationPension Buybacks: Employee Buybacks of Pension Plan Credits
Pension Buybacks: Employee Buybacks of Pension Plan Credits An employee may consider the buyback of pension credit for past service to maximize the value of his or her pension, with a view to retiring
More informationDecember 3, Prepared on SAMPLE. Your SunFlex Retirement Income policy
60003599 Your SunFlex Retirement Income policy In this document, "you" and "your" means the owner of this policy, who is the annuitant and policyholder. "We", "our", "us" and the "Company" means Sun Life
More informationINVESTMENT PRODUCT OVERVIEW. Table of contents. Insurance & Investments Simple. Fast. Easy.
INVESTMENT PRODUCT OVERVIEW Table of contents Product Specifications: Guaranteed Investment Funds (GIF)... Class Plus 3.0... 2 Guaranteed Interest Contract (GIC)... 3 Option Plus Group RSP... 4 Single
More informationSegregated funds policy Information folder
SEGREGATED FUNDS ESTATE PROTECTION Segregated funds policy Information folder MAY 2018 Digital copy available at Londonlife.com/informationfolders This document is not an insurance contract. This information
More informationApplication THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA FINANCIAL SOLUTIONS FOR LIFE 343(2008/04/30)
Head Office One Westmount Road North P.O. Box 1603 Stn. Waterloo, Ontario N2J 4C7 TF 1.800.265.4556 T 519.886.5210 F 519.883.7404 REtirement INCOME FUND LIFE INCOME FUND FINANCIAL SOLUTIONS FOR LIFE Application
More informationSegregated Funds. Savings and Retirement. RIF/LIF Contracts
Segregated Funds Pivotal Solutions/Pivotal solutions DSC Savings and Retirement RIF/LIF Contracts Pivotal Solutions / Pivotal Solutions DSC Retirement Income Fund Contract THE EQUITABLE LIFE INSURANCE
More informationKEY TOPICS. What retirement looks like today What does retirement mean to you? Next steps: how to prepare today for tomorrow
KEY TOPICS What retirement looks like today What does retirement mean to you? Next steps: how to prepare today for tomorrow WHAT RETIREMENT LOOKS LIKE TODAY LIFE IN RETIREMENT Source: Sun Life Financial
More informationJUNE Retirement Savings Plan (RSP) Spousal RSP. Retirement Income Fund (RIF) Spousal RIF Life Income Fund (LIF) Locked-In RSP
GUARANTEED INVESTMENT FUNDS JUNE 2016 Contract Application Non-Registered Plans Registered Plans Retirement Savings Plan (RSP) Spousal RSP Locked-In Retirement Account (LIRA) Retirement Income Fund (RIF)
More informationRRSPs and RRIFs on death Frequently Asked Questions
RRSPs and RRIFs on death Frequently Asked Questions W E A L T H T R A N S F E R S T R A T E G Y 8 Most Canadians are familiar with the tax advantages of using registered savings plans to save for their
More informationLocked-in registered retirement savings plans (locked-in RRSPs) and locked-in retirement accounts (LIRAs)
The Navigator RBC Wealth Management Services Weatherill Wealth Management Group Locked-in retirement plans Understand your locked-in plan to maximize your retirement benefits Brad Weatherill, CIM Vice
More informationOxford Life BONUS TENTM FIXED INDEXED ANNUITY
Oxford Life BONUS TENTM FIXED INDEXED ANNUITY The SOLUTION Before life presents the problem. PRODUCT GUIDE Protected Principal Guaranteed Safety It makes sense to have guaranteed principal safety while
More informationEMBLEM GIF PORTFOLIOS
GUARANTEED INVESTMENT FUNDS EMBLEM GIF PORTFOLIOS 5 reasons to recommend Emblem GIF Portfolios Insurance & Investments Simple. Fast. Easy. DIVERSIFICATION WITHOUT COMPLICATION Your clients are looking
More informationTHE ADVISOR December 10, 2008
THE ADVISOR December 10, 2008 Pension Plan Options when you terminate your Employment Tim Susel, BA, CGA, CFP, TEP Financial Advisory Support This article covers the four most common pension options that
More informationA client s guide to world-class money management
A client s guide to world-class money management A sophisticated, comprehensive investment program as unique as you are. CI Private Investment Management Managing your wealth effectively means more than
More informationParticipant s Guide to Group RRSPs
Participant s Guide to Group RRSPs Servus Credit Union is a member-owned financial institution that offers a complete line of financial services and solutions, including investment, insurance and trust
More informationPREFERRED SERIES 2. Information folder NOVEMBER 2016 GUARANTEES PROTECTION STRENGTH LONDON LIFE SEGREGATED FUND POLICIES
Information folder LONDON LIFE SEGREGATED FUND POLICIES PREFERRED SERIES 2 NOVEMBER 2016 London Life Insurance Company is the sole issuer of the individual variable annuity policy described in this information
More informationInvestor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: A-SEP17
Investor Profile Questionnaire Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-SEP17 Questionnaire 1. When will you need access to this investment portfolio, whether by way of regular withdrawals
More informationMost retirement pensions for defined benefit pension plans are calculated according to a formula similar to the following:
RBC Wealth Management Services The Navigator Purchasing Past Service in a Defined Benefit Pension Plan Understanding the impact on your overall retirement plan You may be a member of a defined benefit
More informationBMO Guaranteed Investment Funds
BMO Guaranteed Investment Funds Helping you reach your retirement goal sooner. Sleep-better-at-night and worry-less with BMO Guaranteed Investment Funds. Range of fund choices available based on your personal
More informationCORPORATE CLASS Investment Funds
CORPORATE CLASS Investment Funds PRIVATE CLIENT MANAGED PORTFOLIOS How Corporate Class works Whether your clients have investments in their corporate accounts, non-registered investments or both, the tax
More informationRRSPs and RRIFs on death frequently asked questions
TAX, RETIREMENT & ESTATE PLANNING SERVICES WEALTH TRANSFER STRATEGY 8 RRSPs and RRIFs on death frequently asked questions Most Canadians are familiar with the tax advantages of using registered savings
More informationGuaranteed Lifetime Income Advantage
Guaranteed Lifetime Income Advantage Retirement Income Benefit Overview A prospectus must accompany or precede this material. Issuers: Integrity Life Insurance Company National Integrity Life Insurance
More informationSun Life Assurance Company of Canada
Sun Life Assurance Company of Canada SUN GUARANTEED INVESTMENT FUND SOLUTIONS INCOME SERIES SUPPLEMENT Information folder and individual variable annuity contract issued by Sun Life Assurance Company of
More informationInvesting 101: Introduction to investment types
Investing 101: Introduction to investment types de Groot Wealth Management of RBC Dominion Securities Elizabeth de Groot, CFP, FCSI, CIWM, CPCA Vice-President, Investment & Wealth Advisor elizabeth.degroot@rbc.com
More informationPinnacle MYGA SM. A Multi-Year Guaranteed Annuity
Pinnacle MYGA SM A Multi-Year Guaranteed Annuity Delaware Life SM A Leading Provider of Annuities and Life Insurance At Delaware Life Ș M we are committed to providing compelling products paired with exceptional
More informationEight steps to a. Create a bright future
Eight steps to a better retirement Create a bright future What your advisor and the Sun Life Financial team can do We re always striving to help you move your plan forward. We believe in working with you
More informationINVESTMENT PRODUCT OVERVIEW. Table of contents. Insurance & Investments Simple. Fast. Easy.
INVESTMENT PRODUCT OVERVIEW Table of contents Product Specifications: Guaranteed Investment Funds (GIF)... Class Plus 3.0... 2 Guaranteed Interest Contract (GIC)... 3 Single Premium Immediate Annuities...
More information