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

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. Refer to the Contract and Information Folder for more information about surrendering 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. Refer to the Contract and Information Folder for more information about surrendering Units.

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