Helios2 – 100/100i

Comprehensive protection for your clients

Target clientele

Clients who:

Have an investment horizon of at least 15 years
Are sensitive to market downturns
Want to leave something behind

Help them plan for the future they want—no compromise, no risk.

Deposits 100% protected after 15 years.
Inflation-adjusted death benefit – It’s the only one of its kind in Canada!

What does this guarantee offer?

100%	100%	i
At Contract maturity¹ The maturity benefit² is the greater of: The market value of the units attributed to the Contract The minimum maturity benefit amount equal to 100% of deposits³, less adjustments for withdrawals	On the Annuitant’s death⁴ On the Annuitant’s death, the death benefit⁵ is the greater of: The market value of the units attributed to the Contract The minimum death benefit amount, which is equal to 100% of the value of each deposit Up to the Annuitant’s 75th birthday, the minimum death benefit amount is reset every year on the contract anniversary date based on the greater of: The current minimum death benefit amount The market value of the Units attributed to the Contract, calculated at the next valuation date following the contract anniversary date The inflation-adjusted value When the death benefit is paid out, the Contract is terminated.	Inflation-adjusted value⁶ Initially equal to 100% of the value of the deposits paid into the Contract Reset annually on the contract anniversary date based on the consumer price index (CPI)⁷ Annual resets end when the Annuitant turns 75

100%

At Contract maturity¹

The maturity benefit² is the greater of:

The market value of the units attributed to the Contract
The minimum maturity benefit amount equal to 100% of deposits³, less adjustments for withdrawals

On the Annuitant’s death⁴

On the Annuitant’s death, the death benefit⁵ is the greater of:

The market value of the units attributed to the Contract
The minimum death benefit amount, which is equal to 100% of the value of each deposit

Up to the Annuitant’s 75th birthday, the minimum death benefit amount is reset every year on the contract anniversary date based on the greater of:

The current minimum death benefit amount
The market value of the Units attributed to the Contract, calculated at the next valuation date following the contract anniversary date
The inflation-adjusted value

When the death benefit is paid out, the Contract is terminated.

Inflation-adjusted value⁶

Initially equal to 100% of the value of the deposits paid into the Contract
Reset annually on the contract anniversary date based on the consumer price index (CPI)⁷

Annual resets end when the Annuitant turns 75

¹ The Contract matures 15 years after the initial deposit date. After a reset, The contract maturity date will be 15 years after the last reset. The Contract ends when the Annuitant reaches age 105.

² The minimum maturity benefit amount is reduced in proportion to any units that may have been surrendered/withdrawn. Refer to the Contract and Information Folder for more information about surrendering/withdrawing units.

³ 100% of deposits made in the Contract’s first year, and 75% of deposits made in subsequent years.

⁴ The Annuitant is the person on whose life the Contract is based. When the Annuitant dies, the death benefit is paid to the Beneficiary named by the Contract Owner.

⁵ The minimum death benefit amount is reduced in proportion to any units that may have been surrendered/withdrawn. Refer to the Contract and Information Folder for more information about surrendering/withdrawing units.

⁶ The inflation-adjusted value is reduced in proportion to any units that may have been surrendered/withdrawn. Refer to the Contract and Information Folder for more information about surrendering/withdrawing units.

⁷ The inflation-adjusted value is calculated based on the CPI increase established by Statistics Canada for the one-year period ending the previous. November 30, up to a maximum of 5%.

Eligibility

See the Terms and Conditions page to find out more about this guarantee’s eligibility.