Did you know that 98% of aging Canadians want a lifetime income¹ and 73% believe financial advisors have responsibility to discuss guaranteed lifetime products²? The solution may be Empire Life Class Plus^® 3.0:

Class Plus 3.0 benefits:

• Clients receive a predictable monthly income that is guaranteed for as long as they live³
• If the RRIF minimum is higher in any year than the guaranteed income, clients can withdraw up to the RRIF minimum and it is not an Excess Withdrawal
• Income will continue even if the value of the investment goes to zero
• In the event of death, the proceeds may bypass probate, provided a beneficiary is named

Our RRIF video and case study can help demonstrate to clients how Class Plus 3.0 may benefit their financial situation.

Class Plus 3.0 RRIF Video Client friendly and easy to understand Shows Class Plus 3.0 may be an ideal solution for converting an RRSP to a RRIF Share with clients to start conversation about guaranteed income

Class Plus 3.0 RRIF Case Study Complement to video Reinforces and builds on information presented in video Good to leave behind with clients

^{FOR ADVISOR USE ONLY}

¹ Designing retirement schemes Canadians want. CAAT Pension Plan. April 13, 2017. ² 2018 Canadian Guaranteed Lifetime Income Study, Greenwald & Associates and CANNEX. ³ Making an Excess Withdrawal may decrease the guaranteed retirement income for life amount.

A description of the key features of the individual variable insurance contract is contained in the Class Plus 3.0 Information Folder. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value.