Guarantees, Better Returns, Lower Taxes

Do your retirement plans ensure you have guaranteed income for life?

Saving for your retirement involves a lot of careful planning. Not only do you have to ensure your savings will be sufficient to fund your future need for income, you also have to ensure that your nest egg will last as long as you’ll need it. With longer life expectancy, this could be 30 years or more.

There are a number of different investment products currently available, such as GICs, annuities, mutual funds and segregated funds. But do any of these investments guarantee that your retirement income will be predictable, sustainable, and potentially increasing? Or that it will last a lifetime?

A new breed or products has emerged to help provide you with:

• Predictable income guaranteed not to decrease no matter how investments perform
• Sustainable income that will last for life
• Potentially increasing guaranteed income to help offset inflation
• Control of your investment and access to your savings at any time
• Tax-efficient income when held in a non-registered account
• Benefits that can ensure the smooth transition of your estate and avoidance of probate fees and taxes

The features and benefits work together to allow you to invest for continued growth while being assured that your savings can provide a predictable stream of retirement income for life.