Protect your clients’ investments
Target clientele
Clients with a long-term investment horizon who are primarily interested in the unique protections offered by the Helios2 Contract, like self-employed workers, business owners and professionals.
Why invest in mutual funds when guaranteed investment funds offer the same growth potential, but with a safety net?
- Prompt payment of the Death Benefit1
- Creditor protection2
1 Conditions apply, including receipt of the appropriate documentation, such as a death certificate. The Beneficiary must be named in the Contract.
2 In order for the Contract to be exempt from seizure, the Owner (in Quebec) or Annuitant’s relationship with the Beneficiary must meet certain criteria. In addition, exemption from seizure rules can be complex and may vary between provinces. Interested parties should consult a legal expert (lawyer or notary) for an assessment of their specific situation.
What does this guarantee offer?
| 75% | 75% |
|---|
At Contract maturity3
The maturity benefit4 is the greater of: - The market value of the units attributed to the Contract
- 75% of deposits, less adjustments for withdrawals
|
On the Annuitant’s death
On the Annuitant’s5 death, the death benefit is the greater of: - The market value of the units attributed to the Contract
- 75% of deposits, less adjustments for withdrawals
When the death benefit is paid out, the Contract is terminated. |
3 The Contract matures when the Annuitant reaches age 105.
4 The minimum maturity benefit amount is reduced in proportion to any units that may have been surrendered/withdrawn. Please refer to the Contract and Information Folder for more information about the surrender/withdrawal of units.
5 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.
Eligibility
See the
Terms and Conditions page to find out more about this guarantee’s eligibility.
