Invest with Peace of Mind
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1 issued by Transamerica Life Canada Invest with Peace of Mind managed by CI Investments Inc. issued by Transamerica Life Canada
2 Invest with Peace of Mind Growth with Protection Is protecting your investment as important as making it grow? With CI Guaranteed Investment Funds, you benefit from the investment advantages of mutual funds potential for growth, professional money management, diversification, choice and flexibility and the protective features of insurance provided by Transamerica Life Canada. Meeting your Needs With CI GIFs, you can enjoy growth and protection in a package tailored to suit your individual circumstances. Nine individual Guaranteed Investment Funds, representing a range of asset classes and investment styles. Four CI GIF Portfolios ranging from Conservative to Aggressive Growth, giving you a balanced, diversified portfolio with one purchase. Two levels of maturity guarantees for selected funds allowing you to select the protection that meets your goals.
3 How CI GIFs Protect Your Investment Guarantees CI GIFs offer two types of guarantees a guarantee at death and a guarantee at maturity. These guarantees mean that your invested capital receives protection regardless of how the markets perform. In addition, selected CI GIFs and CI GIF Portfolios come with Class A or Class B units, which offer different levels of maturity guarantees. This means that you can choose the protection you want and pay only for what you need. This table shows the benefits offered by the two classes: This is how the guarantees work: Class A Class B Guarantee at Death 100% 100% Guarantee at Maturity 100% 75% Guarantee at Death of 100% On the death of the annuitant (the person whose life is being insured), the designated beneficiary is entitled to receive the greater of 100% of the Death Benefit Determination Amount (net deposits less proportionate market value reductions for withdrawals and fees) or the market value less applicable fees. Guarantee at Maturity of 100% or 75% Upon deposit maturity, the policyholder is entitled to receive the greater of 100% (Class A) or 75% (Class B) of the Benefit Determination Amount (net deposits less proportionate market value reductions for withdrawals and fees) or the market value of the deposit less applicable fees. Automatic Reset for Death Benefit Guarantees On the anniversary date of your policy, CI will automatically reset the death benefit guarantee to the greater of: The current market value of your deposit; or The existing death benefit determination amount (less proportionate reduction for withdrawals). Creditor Protection In certain circumstances, the assets held inside CI GIFs may be protected from creditors. This can be especially beneficial to business owners and professionals. It is essential that you obtain the professional opinion of a lawyer or accountant in determining the applicability of this feature for you.
4 Estate Planning Advantages CI GIFs are powerful estate planning tools, as the death benefit preserves your investment for your beneficiaries. The death benefit is paid directly to your named beneficiaries quickly and efficiently, avoiding the potential delays in settling an estate. Furthermore, when there is a named beneficiary, the benefit may bypass probate fees, ensuring that more money passes on to your heirs. CI GIF Portfolios Asset allocation is the process by which your portfolio is divided among various asset classes equities and income securities and among categories within asset classes, such as Canadian and foreign equities. The goal is to maximize your returns within a portfolio that suits your tolerance for risk. Efficient Frontier Moderate Aggressive Growth Growth With one of four CI GIF Portfolios Conservative, Moderate, Growth and Aggressive Growth you can achieve an asset allocation that s right for you. By investing in up to 16 underlying CI mutual funds, the Portfolios offer diversification by asset class, geographic region, portfolio manager and investment style. At the same time, they offer lower insurance fees versus a similar portfolio of individual segregated funds. CI s Investment Expertise CI s lineup of GIFs offers top-quality investment management and a wide choice of funds, allowing for a guaranteed portfolio diversified by asset class, geographic region and investment style. Transamerica s Financial Strength The CI GIF policies are underwritten by Transamerica Life Canada, one of Canada s leading segregated fund providers. The company, a member of the AEGON Group, one of the world s largest financial services organizations, holds top ratings from several debt-rating agencies. Return Conservative Risk
5 Funds & Portfolios Available Funds Class A - 100% maturity/100% death benefit guarantee option CI Money Market GIF CI Conservative Portfolio GIF CI Moderate Portfolio GIF CI Growth Portfolio GIF Class B - 75% maturity/100% death benefit guarantee option CI GIFs CI Harbour GIF CI Harbour Growth & Income GIF CI International Balanced GIF CI Signature Canadian Balanced GIF CI Signature Select Canadian GIF CI Money Market GIF CI Signature Dividend GIF CI Canadian Bond GIF CI Signature High Income GIF CI GIF Portfolio CI Conservative Portfolio GIF CI Moderate Portfolio GIF CI Growth Portfolio GIF CI Aggressive Growth Portfolio GIF
6 Transamerica Life Canada is the sole issuer of the individual variable insurance contract providing for investment in CI Guaranteed Investment Funds. A description of the key features of the individual variable insurance contract is contained in the CI Guaranteed Investment Funds Information Folder. SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEE, ANY PART OF THE PRE- MIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE OWNER AND MAY INCREASE OR DECREASE IN VALUE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE SEGREGATED FUND. CI Investments, the CI Investments design, CI Guaranteed Investment Funds and the lock design are registered trademarks of CI Investments Inc. TRANSAMERICA is a registered trademark of Transamerica Corporation. Transamerica Life Canada is licensed to use such marks. Transamerica Life Canada is registered to carry on business under the name Transamerica Life Canada. Head Office 2 Queen Street East, Twentieth Floor Toronto, Ontario M5C 3G7 Tel: Toll Free: English Client Services Team: French Client Services Team: Sales Offices Calgary Tel: Toll Free: Halifax Tel: Toll Free: Montreal Tel: Toll Free: Vancouver Tel: Toll Free: CI Teleservice: Automated account information service@ci.com CITA-CB 08/06 E
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