The GLWB bonus rate, which will apply on December 31, 2025 for the Helios2 – 75/100 GLWB guarantee, will be the rate calculated using the following formula: the 10-year Government of Canada benchmark bond yield (CANSIM Identifier V39055) as at the last business day of November of the current calendar year, plus 1.5%. This rate is subject to a minimum of 2.5% and a maximum of 8%.
The benchmark rate as at November 28 was 3.14%. With the 1.5% added to this rate, the GLWB bonus rate for clients who did not make any withdrawals in 2025 will be 4.64%.
