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2 The minimum maturity benefit amount is reduced in proportion to any units that may have been surrendered/withdrawn.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5 The minimum death benefit amount is reduced in proportion to any units that may have been surrendered/withdrawn.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.