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Highlights of Helios The choice between three distinct guarantees Guarantee at maturity (at age 105) The amount guaranteed is the greater of: current Market Value of the Contract 1 ; or 75% of the Deposits. Guarantee at death When the client dies, the Beneficiary will receive the greater of: current Market Value of the Contract; or 75% of the Deposits. Management fees comparable to those of mutual funds To benefit from the undeniable features of Helios Guarantee at maturity The greater of Market Value of the Deposits or 75% of the Deposits 1-2 after 10 years; 100% of the Deposits after 20 years; 100% of the Deposits at maturity (at age 105). Guarantee at death Until age 75, the Death Benefit is reset annually to the greater of: the inflation-adjusted value; Market Value; 100% of the Deposits; the benefit calculated the previous year. Estate protection Inflation-adjusted guaranteed Death Benefit Maturity Benefits against market downturns Guaranteed amount at maturity of the Contract 75% 100% 75% 75% Guarantee at maturity After 10 years, the guarantee will be the greater of: current Market Value of the Deposits; 100% of the Deposits 2 maturing on that date. Capital guaranteed 100% at maturity of the Deposit Reimbursement of fees Capital guaranteed 100% at death Ideal for investment loans 100% Guarantee at death Until age 80, the Death Benefit is reset every 10 years, to be the greater of: current Market Value of the Deposits; 100% of the Deposits. 100% Reimbursement of fees A first in Canada At maturity, if the Market Value exceeds the guaranteed value, a portion of the fees is reimbursed to the client. r FOR REPRESENTATIVES’ USE ONLY Guaranteed Investment Funds for the “new” retirement Guarantee 75 / 75 Guarantee 75 / 100 i Guarantee 100/100 r i (inflation) 1 The amounts guaranteed are reduced proportionately for withdrawals. Please refer to the definition of Deposit in the Contract and Information Folder for details. 2 All Deposits paid during a same Contract year are grouped and have the same Deposit Date,which corresponds to the first day of the Contract year. Please refer to the definition of Deposit in the Contract and Information Folder,which describes the impact of withdrawals on the guaranteed amounts.
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Page 1: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Highlights of Helios

The choice between three distinct guarantees

Guarantee at maturity (at age 105)The amount guaranteed is the greater of: • current Market Value of the Contract1; or • 75% of the Deposits.

Guarantee at death When the client dies, the Beneficiary will receive the greater of:• current Market Value of the Contract; or• 75% of the Deposits.

• Management fees comparable to those of mutual funds • To benefit from the undeniable features of Helios

Guarantee at maturityThe greater of Market Value of the Deposits or• 75% of the Deposits1-2 after 10 years;• 100% of the Deposits after 20 years;• 100% of the Deposits at maturity (at age 105).

Guarantee at deathUntil age 75, the Death Benefit is reset annually to the greater of:• the inflation-adjusted value;• Market Value;• 100% of the Deposits;• the benefit calculated the previous year.

• Estate protection• Inflation-adjusted guaranteed Death Benefit • Maturity Benefits against market downturns • Guaranteed amount at maturity of the Contract

75%

100%

75%

75%

Guarantee at maturity After 10 years, the guarantee will be the greater of: • current Market Value of the Deposits; • 100% of the Deposits2 maturing on that date.

• Capital guaranteed 100% at maturity of the Deposit • Reimbursement of fees • Capital guaranteed 100% at death• Ideal for investment loans

100%Guarantee at death Until age 80, the Death Benefit is reset every 10 years, to be the greater of: • current Market Value of the Deposits; • 100% of the Deposits.

100%Reimbursement of feesA first in CanadaAt maturity, if the Market Value exceeds the guaranteed value, a portion of the fees is reimbursed to the client.

r

For represenTATiVes’ Use only

Guaranteed investment Funds for the “new” retirement

Guarantee 75 / 75

Guarantee 75 / 100 i

Guarantee 100/100 r

i (inflation)

1 Theamountsguaranteedarereducedproportionatelyforwithdrawals.PleaserefertothedefinitionofDepositintheContractandInformationFolderfordetails.2 AllDepositspaidduringasameContractyeararegroupedandhavethesameDepositDate,whichcorrespondstothefirstdayoftheContractyear. PleaserefertothedefinitionofDepositintheContractandInformationFolder,whichdescribestheimpactofwithdrawalsontheguaranteedamounts.

Page 2: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Guaranteed Minimum Withdrawal Benefit(GMWB)

The GMWB ensures that your client receives a predictable, guaranteed and potentially increasing income no matter how the markets perform.

The GMWB option offers the clear advantage of allowing your client to apply this optional guarantee to his/her Helios Contract at any time, when it is most profitable for him/her, for example, when he/she is ready to begin taking an income.

This option guarantees that the amount available for withdrawal over a 15-year period will be:

• 7% per year for the first 14 years;• 2% the 15th year.

if the client chooses to withdraw an amount that is less than the 7% maximum, the guarantee period will be extended to over 15 years. The client is always sure to get back 100% of his/her capital.

The GMWB promise:

• reset of the guaranteed value every three years, if markets are up;

• The protected Value is calculated, at the time of the first withdrawal, to the highest of 100% of initial Deposit or Market Value;

• predicable and guaranteed income;

• 100% of the capital recovered;

• Flexibility of adding the GMWB at the most profitable time;

• Funds available in all asset categories.

• Beneficiary Designation

• Avoid delays of estate settlement

• protection against creditors

• Deposits accepted up to age 95

• Minimum Deposit: $500 or $50 monthly, $5,000 for the GMWB

• Deposits made in the Helios Contract are protected by Assuris (assuris.ca)

Undeniable Features

This document is published for information purposes only and does not constitute a legal opinion. The unseizability rules can easily become quite complex and vary from province to province. interested individuals should contact their legal counsel (lawyer) to analyse their specific situation.

please refer to the glossary contained in the Contract and information Folder for a definition of all capitalized terms used in this document.

Page 3: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

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DFS GIF – Income – Fiera*

DFS GIF – Canadian Bond – Addenda*

DFS GIF – Global Balanced – Jarislowsky Fraser*

DFS GIF – Global High Income – Multi-managers*

DFS GIF – Balanced Growth – McLean Budden*

DFS GIF – Growth and Income – Northwest*

DFS GIF – Canadian Balanced – Fiera*

DFS GIF – Canadian Balanced – Bissett*

DFS GIF – Dividend Income – Bissett*

DFS GIF – Canadian Dividend – Fiera*

DFS GIF – Canadian Equity – Jarislowsky Fraser*

DFS GIF – Global – Fidelity*

DFS GIF – Global Equity – AllianceBernstein*

DFS GIF – Canadian Equity – Fiera

DFS GIF – American Equity – UBS

DFS GIF – Canadian Equity – Bissett

DFS GIF – International Equity – AllianceBernstein

DFS GIF – European Equity – AllianceBernstein

DFS GIF – Specialty Growth – Northwest

DFS GIF – Canadian Equity Growth – McLean Budden

DFS GIF – American Equity – McLean Budden

DFS GIF – Small Cap – Bissett

DFS GIF – North American Small Company – Fiera

DFS GIF – Specialty Equity – Northwest

DFS GIF – Money Market*

Higher return

Higher volatility

Income Portfolios of FundsCanadian Equity Foreign EquityBalanced and Asset Allocation

DFS GIF – Growth and Income –

Northwest Quadrant*

DFS GIF – Diversified

Income – Quotential*

DFS GIF – Balanced

Income – Quotential*

DFS GIF –

Growth – Quotential*

DFS GIF –

Ultimate Equity –

Multi-managers*

DFS GIF – Balanced

Growth – Quotential*

investment funds for all investor categories

DFs GiF available through the Helios Contract

* These funds are available for the GMWB.

Page 4: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

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TM ® Trademarks owned by Desjardins Financial security

desjardinsfinancialsecurity.com/helios

The Contract and information Folder contains important information on the Desjardins Financial security Guaranteed investment Funds plan – Helios and the Desjardins Financial security Guaranteed investment Funds. please read it carefully before investing. Helios is a trademark owned by Desjardins Financial security life Assurance Company. The Desjardins Financial security Guaranteed investment Funds are established by Desjardins Financial security life Assurance Company.

Choosing Helios...

is choosing to benefit from the growth potential of mutual funds and Guarantees that protect deposits against market downturns.

Choosing Helios is choosing to have the possibility of drawing a guaranteed and predictable retirement income.

Choosing the Helios Contract is taking advantage of an investment tool that is adaptable to all life events.

Choosing DFS Guaranteed Investment Funds… is choosing from a wide range of diversified investment solutions to meet the needs of all types of investors, provided by experienced investment managers, leaders in their field.

DFs stands for Desjardins Financial security.

Choosing Desjardins Financial Security…is choosing the strength and stability of a company specialized in providing individual insurance and retirement savings products to over five million Canadians, every day, to ensure their financial security.

Choosing Desjardins Financial security is choosing a company that administers close to $20 billion in assets, employs over 3,700 people, and assists its clients from offices in Vancouver, Calgary, Winnipeg, Toronto, ottawa, Montreal, Quebec City, levis, Halifax and st. John’s.

Choosing Desjardins Financial security is also choosing Desjardins Group, the largest integrated cooperative financial group in Canada, whose financial stability is recognized by the following credit ratings which are comparable, if not superior to those of the five largest Canadian banks and insurance companies:

• standard and poor’s AA-

• Moody’s Aa1

• Dominion Bond rating service AA

Page 5: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

For representatives’ use only

75 / 75

taking advantage of market performances while benefiting from the undeniable features of Helios.

Guarantee 75 / 75

Target clientele

Clients with a long-term investment horizon, who are likely to choose mutual funds, but who are also looking for the undeniable features the Helios Contract offers.

• Management fees comparable to those of mutual funds

• Designation of a Beneficiary

• Creditor protection

remember to check out the GMWB Leaflet to find out about the Guaranteed Minimum Withdrawal Benefit.

tM ® trademarks owned by Desjardins Financial security

desjardinsfinancialsecurity.com/helios

0723

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75 / 75

undeniable features at the cost of a mutual fund!

Helios and the Guarantee 75 / 75:• Management fees comparable

to those of mutual funds;

• access to funds normally available to institutional investors;

• Funds for all investor categories;

• Designation of a Beneficiary;

• Creditor protection;

• Capital guaranteed at maturity of the contract as well as at death.

Deposits made in the Helios Contract are protected by assuris (assuris.ca).

please refer to the glossary contained in the Contract and information Folder for a definition of all capitalized terms used in this document.

the Contract and information Folder contains important information on the Desjardins Financial security Guaranteed investment Funds plan – Helios and the Desjardins Financial security Guaranteed investment Funds. please read it carefully before investing. Helios is a trademark owned by Desjardins Financial security life assurance Company. the Desjardins Financial security Guaranteed investment Funds are established by Desjardins Financial security life assurance Company.

Guarantee at maturity the Contract matures when the client reaches the age of 105. Deposits are accepted until the age of 95.

at the Contract Maturity Date, the amount of the guarantee will be the greater of:

• current Market value of the Contract; or

• 75% of all Deposits2.

What are the fees for this guarantee?the cost of Guarantee 75/75 is included in the Management expense ratio (Mer) of each fund. the Mers are presented in the Funds Leaflet, in the fund page for each GiF.

Fees associated with the guaranteesone often hears that GiF management fees are high. at DFs, we offer the Helios contract, a contract with guarantee components that reflect the client’s needs. also, when we compare, the fees for Guarantee 75/75 with those of all funds (mutual and segregated) in the same category 3, more than 2/3 of DFS GIF are cheaper than the median fees of each category.

and remember, some of these funds are not available in the retail funds market.

What is a Guaranteed Investment Fund (GIF)?

Commonly known as a “segregated fund”, a GiF is an investment fund created and issued exclusively by life insurance companies. it is offered through contracts which offer maturity and Death Benefit guarantees.

Guarantee 75/75 guarantees the capital at maturity of the Contract as well as the Death Benefit amount. it meets the needs of clients with a long-term investment horizon, who are likely to choose mutual funds, but who are also looking for the unique features the Helios Contract offers.

Guarantee at death When the Contract owner dies, the Beneficiary will receive the greater of:

• current Market value of the Contract; or

• 75% of all Deposits.

Guaranteed Minimum Withdrawal Benefitthe client may, at any time, choose to add the Guaranteed Minimum Withdrawal Benefit (GMWB) option, which provides a guaranteed and regular income stream for a specified period during retirement.

the GMWB/Guarantee 75/75 combination is advantageous for retired individuals whose main concern is income protection at low cost.

Consult the GMWB Leaflet to find out more about how it works and its advantages.

What does this guarantee offer?1

75 % / 75 %

1 please refer to the document Contract and information Folder, which describes the rules governing the Death Benefit amount and the guarantees.

2 the amounts guaranteed are reduced proportionately for withdrawals. please refer to the definition of Deposit in the Contract and information Folder for details.

3 paltrak.

Page 6: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

“My will offers the same advantages …”Did you know that it generally takes over a year 4 to settle an estate? Drawing up a will is a key component of estate planning. unfortunately, settling an estate takes time and money. the deceased person’s liquidator must see to the funeral arrangements, repay all creditors, file a tax return, administer the assets and make a distribution to the heirs.

in addition, you avoid the costs (accounting, legal, etc.) of liquidating an estate, which can reach up to 5% of the value of the investment.

if you want to make sure that money is made available quickly to a loved one, Helios is the solution!

Main advantages

Class of Beneficiary designated in an During the annuity contract established by an insurer Owner’s lifetime

“privileged” revocable Beneficiary exempt from seizure

• married spouse*

• ascendants*: parent (or grandparent, in Quebec only)

• descendants*: child or grandchild

any irrevocable Beneficiary exempt from seizure

* in Quebec: the relationship is between the person(s) named in the table and the owner. elsewhere in Canada: the relationship is between the person(s) named in the table and the individual whose life is insured under the Contract.

Did you know that there were nearly 80,000 personal bankruptcies in Canada in 2006? 6 no one is immune from a financial misfortune. Why risk what your clients have worked so hard for when guarantees to protect their investment are readily available?

the Desjardins Financial security Guaranteed investment Funds (DFs GiF) provide diversified investment solutions to meet the needs of all investor categories:

• our individual funds have been chosen with great care to provide capital appreciation opportunities that meet your clients’ comprehensive investment objectives: income, balanced and asset allocation, as well as Canadian and foreign equity.

• at DFs, we chose experienced investment managers, leaders in their field, who offer complementary management styles: value, growth at a reasonable price (Garp), growth, credit spread and interest rate forecasting.

• We also created partnerships with leading institutional fund managers who have proven expertise in managing large pension funds. their products are not usually readily available on the individual savings market. thus, your clients can take advantage of their unique and proven expertise.

• our managed portfolios provide real turnkey solutions. they offer clients the advantages of diversification in a single investment tool. they consist of a combination of investment funds that are managed using complementary and optimal strategies.

investment funds for all investor categories

Karen, age 32, is looking for attractively-priced funds.

Helios is offered with 25 funds and six portfolios of funds, some of which are exclusive to Desjardins Financial security (DFs).

• Full array of funds

• seasoned managers

• exclusive managers (institutional)

• turnkey solutions

For more details on the DFs GiF, check out the Funds Leaflet.

Guaranteed investment funds, through the contract under which they are sold, can spare your client’s loved ones from the nightmares associated with dealing with the paperwork and liquidity problems after his/her death. in fact, the Death Benefit will automatically be paid out to the Beneficiary, thus avoiding the delays and costs incurred in settling an estate. as a rule, after receipt of the required documents (including the death certificate), the amounts are paid out to the Beneficiary of the Contract within five business days. thus, the client is assured that family members will not have to struggle to find the money to meet their immediate needs.

in addition, since the Death Benefit is not included in the estate, it will be paid out to the Beneficiary in confidence. if the client wants to make this a priority and wishes to make specific bequests, guaranteed investment funds can represent a key estate planning tool.

Designating a Beneficiary

Margaret, age 49, wants to leave an inheritance to her nephew Patrick.

By designating her nephew as the Beneficiary of the Contract, Margaret is certain that he will receive the guaranteed amount as soon as possible.

Creditor protection5

Claudio, age 46, is a doctor.

Since the Helios Contract is an annuity contract designed by an insurance company, it affords some creditor and civil liability protection. Should he run into difficulties, Claudio would get to keep the amount he has invested in his Helios Contract.

if your client is self employed, a business executive, a member of a board of direction or a professional (i.e., doctor, lawyer, notary), he is among those at great risk in terms of civil liability. one of the greatest features of the Helios Contract is its exemption from seizure. in fact, since it is an annuity contract established by an insurance company, Helios offers a certain amount of creditor protection.

Choosing a Beneficiary: a decision with far-reaching implicationsDesignating a Beneficiary is very important in regards to protecting a GiF from creditors. only the following classes of Beneficiaries are provided full protection from being seized:

thus, a single person, without children, who designated his/her brother as the revocable Beneficiary, could have his/her guaranteed investment fund contract seized. in such a case, to protect his/her Contract, this person should name one of his/her parents as the revocable Beneficiary or his/her brother (or any other person) as the irrevocable Beneficiary.

4 ipsos reid survey, July 2007.

5 this document is published for information purposes only and does not constitute a legal opinion. the unseizability rules can easily become quite complex and vary from province to province. interested individuals should contact their legal counsel (lawyer) to analyse their specific situation.

6 office of the superintendent of Bankruptcy.

Page 7: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

For representatives’ use only

75 / 100 i

protection against inflation perfectly adapted to estate planning.

Guarantee 75 / 100 i

Target clientele

Clients who want to protect their assets, as well as those who are concerned about market downturns.

• inflation-adjusted guaranteed Death Benefit

• Maturity Benefits against market downturns

• a guaranteed amount at maturity of the Contract

remember to check out the GMWB Leaflet to find out about the Guaranteed Minimum Withdrawal Benefit.

Page 8: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Guarantee at maturityGuarantee 75/100 i offers two Maturity Benefits which are calculated at specific times:

1. On the 10th anniversary of a Deposit Date 2

the greater of:• current Market value of Deposit;• 75% of the Deposit 3.

2. On the 20th anniversary of a Deposit Date 2

the greater of:• current Market value of Deposit; • 100% of the Deposit.

On the Contract Maturity Date (at age 105)the greater of:• current Market value of all Deposits; • Minimum Death Benefit amount.

What is a Guaranteed Investment Fund (GIF)?

Commonly known as a “segregated fund”, a GiF is an investment fund created and issued exclusively by life insurance companies. it is offered through contracts which offer maturity and death benefit guarantees.

75 %With the Guarantee 75/100 i, the Death Benefit is adjusted to reflect the increase in the cost of living. it also provides a Maturity Benefit which is calculated at 10 years and 20 years after the Deposit Date. it targets mainly clients who want to protect their assets, as well as those who are concerned about market downturns.

What does this guarantee offer?1

1 please refer to the document Contract and information Folder, which describes the rules governing the Death Benefit amount and the guarantees.

2 all Deposits paid during a same Contract year are grouped and have the same Deposit Date, which corresponds to the first day of the Contract year.

3 the amounts guaranteed are reduced proportionately for withdrawals. please refer to the definition of Deposit in the Contract and information Folder for details.

Page 9: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

2) For Deposits made between age 75 and 79

the Death Benefit will be equal to 100% of the Deposits made during this period.

3) For Deposits made after age 80

the Death Benefit will be equal to:

• 80% of the value of each Deposit made during the first five years following the Deposit Date;

• 90% of the value of each Deposit made during the sixth and seventh years following the Deposit Date;

• 95% of the value of each Deposit made during the eighth and ninth year following the Deposit Date; and

• 100% of the value of each Deposit made during the 10th year following the Deposit Date.

Deposits are accepted until the age of 95.

100 %

1) For Deposits made before age 75:on the death of the Contract owner, the Beneficiary will receive the greater of:

• current Market value of all Deposits;• Minimum Death Benefit amount.

Calculating the Minimum Death Benefit Amounta Minimum Death Benefit amount will be calculated on each Contract anniversary Date, until the client4 reaches the age of 75.

This value will be the greater of:

• the inflation-adjusted value of all Deposits calculated according to the increase in the consumer price index (Cpi) established by statistics Canada for the one-year period ended the previous november 30, up to 5%5.

• the value of the units attributed to the Contract: calculated at the next valuation date of the units following the Contract anniversary Date – to a maximum of 130% of the Minimum Death Benefit amount set on the previous Contract anniversary Date, plus 100% of the Deposits made since that date.

Moreover, this amount cannot be less than:

• 100% of the Deposits made up to the Contract anniversary Date (less proportional reduction for units withdrawn).

• the Minimum Death Benefit amount set on the previous Contract anniversary Date plus any Deposit made after the Contract anniversary Date.

After age 75, the last Death Benefit calculated will be maintained until death.

i inflation

Guarantee at deaththe protection offered at death varies depending on the client’s age at the time his/her Deposit is made.

4 if the client and the annuitant is the same person. please refer to the Contract and infromation Folder for a definition of annuitant.

5 the DFs GiF – Money Market is not adjusted for inflation.

Page 10: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Main advantages

estate protection Michael, age 55, wants to protect his family after his death. the Guarantee 75/100 i of the Helios Contract protects his investment from inflation.

the inflation-adjusted value of all Deposits is calculated once a year. if the value is greater than the Market value or the amount determined at the last automatic reset, it becomes the new guaranteed Death Benefit.

until your client reaches the age of 75, the guaranteed Death Benefit is adjusted automatically based on the greater of:

• the inflation-adjusted value;

• the Deposit Market value;

• the value calculated at the last automatic reset.

“Why should i be concerned about inflation?”inflation6 is defined as “a general increase in prices across the economy over a period of time”, in other words the “cost of living”. if it is important for your client to leave a sufficient amount to his/her loved ones after his/her death, he/she must consider the effect of inflation on the amount that will be received by them. if you recall a time when you could buy a handful of candies at the corner store for a quarter, you can evaluate the effect of the cost of living over the years. Here are other examples:

What did it cost … … 40 years ago … In 2007

a bus ticket? $0.18 $2.75

1 lb of butter? $0.63 $4.19

Source: Bank of Canada, Statistics Canada and Société de transport de Montréal.

6 Bank of Canada.

The guaranteed Death Benefit amount increases with inflationand market value

Guaranteed Death Benefit does not decrease!

Guaranteed Death Benefitincreases with the market

Market value Inflation adjusted value 75/100 i Guaranteed Death Benefit

Guaranteed Death Benefit increases with inflation

Years

22,000

$

20,000

18,000

16,000

14,000

12,000

10,000

8,0000 3 6 9 12 15

Page 11: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

The guaranteed Death Benefit amount increases with inflationand market value

Guaranteed Death Benefit does not decrease!

Guaranteed Death Benefitincreases with the market

Market value Inflation adjusted value 75/100 i Guaranteed Death Benefit

Guaranteed Death Benefit increases with inflation

Years

22,000

$

20,000

18,000

16,000

14,000

12,000

10,000

8,0000 3 6 9 12 15

let us take a look at how the guaranteed Death Benefit evolves over time:• During the first five years, the inflation-adjusted value was the higher value

and would, consequently, have been the guaranteed value;

• as of year six, this value increased in line with the market;

• When the market bottomed out in years nine, 12 and 13, the amount established at the last annual reset remained in effect;

• in years 14 and 15, the Death Benefit was maintained, since neither inflation nor market return was sufficient to increase it.

the guaranteed Death Benefit never decreases!

The guaranteed Death Benefit increases and your Beneficiary is protected as markets rise and investments increase in value

all amounts attributed to a GiF are invested at the risk of the owner and the value may increase or decrease.

this graph simulates the annual automatic adjustment of the Death Benefit until the client reaches age 75. this simulation is neither an indication nor a guarantee of future results.

Page 12: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Maturity Situation Guarantee Benefits 75/100 i

1- 10 years after the market has fallen 75 % of the the Deposit was made more than 25% Deposit

2- 20 years after the Deposit the capital has not appreciated 100% of the was made Deposit

protection against market swings Claire, age 54, has experienced market volatility in the past.

to protect her investments against the major consequences of market fluctuations, the Guarantee 75/100 i of the Helios Contract offers two Maturity Benefits at different periods:

• on the 10th anniversary of the Deposit: 75%;

• on the 20th anniversary of the Deposit: 100%.

no one can predict how the markets will perform. However, to protect your clients’ investments against the major impact of market fluctuations, Guarantee 75/100 i offers two Maturity Benefits, at different times.

Main advantages

Page 13: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Guaranteed Minimum Withdrawal Benefit (GMWB)the client may, at any time, choose to add the Guaranteed Minimum Withdrawal Benefit (GMWB) option, which ensures him/her a guaranteed and regular income stream for a specified period during his/her retirement.

the GMWB/Guarantee 75/100 i combination is advantageous for retired individuals who are concerned about maintaining the purchasing power of their loved ones.

Consult the GMWB Leaflet to find out more about how it works and its advantages.

What are the fees for this guarantee?in addition to the Mer deducted from each fund for Guarantee 75/75, additional fees are charged to cover Guarantee 75/100 i fees. they are shown in the Funds Leaflet, on the fund page for each GiF.

Page 14: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

desjardinsfinancialsecurity.com/helios

0723

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75 / 100 i

the ideal estate planning tool!

Guarantee 75 / 100 i:

please refer to the glossary contained in the Contract and information Folder for a definition of all capitalized terms used in this document.

the Contract and information Folder contains important information on the Desjardins Financial security Guaranteed investment Funds plan – Helios and the Desjardins Financial security Guaranteed investment Funds. please read it carefully before investing. Helios is a trademark owned by Desjardins Financial security life assurance Company. the Desjardins Financial security Guaranteed investment Funds are established by Desjardins Financial security life assurance Company.

• inflation-adjusted guaranteed Death Benefit;

• Maturity Benefits against market downturns;

• a guaranteed amount at maturity of the Contract.

Deposits made in the Helios Contract are protected by assuris (assuris.ca).

tM ® trademarks owned by Desjardins Financial security

Page 15: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Guarantee at maturity Each Deposit2 has a 10-year maturity, which follows the Deposit2 Date on which it is made.

At that time, the amount of the guarantee will be the greater of:

• current Market Value of the Deposit;

• 100% of the Deposit maturing on that date3.

The Deposit is renewed automatically for 10 years, unless the client wishes to cash in the guaranteed amount. At Maturity, the guaranteed value is compared to the Market Value. If the latter is higher, it becomes the new guaranteed value for the next 10-year period.

What is a Guaranteed Investment Fund (GIF)?

Commonly known as a “segregated fund”, a GIF is an investment fund created and issued exclusively by life insurance companies. It is offered through contracts which offer maturity and death benefit guarantees.

Guarantee 100/100 r offers 100% capital protection at maturity and at death. It targets investors who are concerned about preserving their capital. It also meets the needs of investors looking for protection against market downturns and in combination with an investment loan program.

What does this guarantee offer 1?

100 %Guarantee at deathGuaranteed Death BenefitThe protection offered at death varies depending on the client’s age at the time the Deposit is made.

1) For Deposits made before age 80

The Death Benefit will be the greater of:

• current Market Value of all Deposits;

• 100% of all Deposits (made before age 80).

Until age 80, the Death Benefit is reset every 10 years, based on each Deposit Maturity Date. At that time, the amount of the guarantee will be the greater of:

• current Market Value of the Deposit;

• 100% of the Deposit;

plus

2) For Deposits made after age 80

The Death Benefit will be equal to:

• 80% of the value of each Deposit made during the first five years following the Deposit Date;

• 90% of the value of each Deposit made during the sixth and seventh year following the Deposit Date;

• 95% of the value of each Deposit made during the eighth and ninth year following the Deposit Date; and

• 100% of the value of each Deposit made during the 10th year following the Deposit Date.

Deposits are accepted until the age of 95.

r Reimbursement of fees

TM ® Trademarks owned by Desjardins Financial Security

desjardinsfinancialsecurity.com/helios

0723

4E03

(07-

10)

Guarantee 100 / 100 r:• Capital guaranteed 100%

at maturity of the Deposit;

• Reimbursement of fees;

• Capital guaranteed 100% at death;

• Ideal for investment loans.

Please refer to the glossary contained in the Contract and Information Folder for a definition of all capitalized terms used in this document.

The Contract and Information Folder contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios and the Desjardins Financial Security Guaranteed Investment Funds. Please read it carefully before investing. Helios is a trademark owned by Desjardins Financial Security Life Assurance Company. The Desjardins Financial Security Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.

Target clientele

Investors who are concerned about preserving their capital. It also meets the needs of investors looking for protection against market downturns and in combination with an investment loan program.

• Capital guaranteed 100% at maturity of the Deposit

• Reimbursement of fees

• Capital guaranteed 100% at death

• Ideal for investment loans

Remember to check out the GMWB Leaflet to find out about the Guaranteed Minimum Withdrawal Benefit.

FoR REPRESEnTATIVES’ USE onLy

100 / 100 r

Guarantee 100 / 100 r A comprehensive protection at a price that defies the competition.

Deposits made in the Helios Contract are protected by Assuris (assuris.ca).

100 / 100 r

100% Continuous protection!

100 %A first

in Canada!

1 Please refer to the document Contract and Information Folder, which describes the rules governing the Death Benefit amount and the guarantees. 2 All Deposits paid during a same Contract year are grouped and have the same Deposit date, which corresponds to the first day of the Contract year. 3 The amounts guaranteed are reduced proportionately for withdrawals. Please refer to the definition of Deposit in the Contract and Information

Folder for details.

Page 16: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

Main advantages

100% Guaranteed at death

In addition to providing them with a sense of security until they retire, the 100% protection at death can reassure clients who worry about leaving their loved ones in need should they die. This protection ensures that Jonathan and Brooke will not lose their capital. We always hope that nothing bad will ever happen to us, but we cannot control whether it does or not. Is it not better to have our capital protected at all times and under all circumstances? Investing in Helios will allow them to invest for their retirement with peace of mind since their capital is 100% guaranteed.

What are the fees for this guarantee?In addition to the MER deducted from each fund for Guarantee 75/75, additional fees are charged to cover Guarantee 100/100 r fees. They are shown in the Funds Leaflet, in the fund page for each GIF.

“I won’t pay for nothing …”your client is quite right! Protecting our assets should be a concern, whether it is the family home, a car or other valuables. And although we may not own very much, there is always the risk we could lose it. We routinely insure our cars and homes. While we may never have to make a claim with our insurer, we nevertheless pay the premium. Why would protecting our investments be any different?

With Guarantee 100/100 r, the insurer assumes the risk that the value of the capital after 10 years could be less than the initial capital. In return, a fee is required. However, if the value after 10 years exceeds the initial capital, a portion of the fees is refunded to the client.

Reimbursement of FeesFor each 10-year period based on each Deposit Maturity Date, if the Market Value exceeds the guaranteed value, 30% of the fees paid by the client for the maturity guarantee will be reimbursed to him/her.

“When the market goes up, risk tolerance is infinite. But when it goes down, risk tolerance often shrinks to zero” 6.

The graph presents the correlation between mutual fund sales and redemptions. If the value of net sales is negative, more investors have redeemed their funds. As you can see, after a prolonged market downturn, investors tend to lose their nerve and sell their investments rather than hold on to them for the long term. Also, once the markets are up again, the investors who would like to buy back their investment would probably do so at a price higher than what they paid initially. This investment method is bound to result in deceiving and costly results.

The 100% capital guarantee after 10 years gives investors a reassuring incentive to hold on to their investment at a time when they might be tempted to sell.

George, age 56, will be retiring soon and is concerned about his hard-earned savings melting away.

For anxious clients, this protection helps them to sleep better at night by guaranteeing them no less than the amount initially Deposited after 10 years.

For the cautious investor: For those, like George, who have a lower tolerance to risk, peace of mind is essential as is the certainty of being able to recover one’s investment after a specified period of time. The obvious choice would likely be a fixed investment, such as a term investment. However, those who restrict themselves to this choice may risk not meeting their investment objectives and will lose out on the growth potential that investment funds offer. A 100% guarantee at maturity offers George the security he requires to extend his natural comfort zone.

Ian, age 45, is interested in an investment loan.

An investment loan program4 lets you borrow to invest. Using leverage, it offers the potential for higher returns. The 100% guarantee at maturity reduces the risk of having the loan balance exceed the value of the fund after a 10-year period, so that Ian doesn’t have to redeem other investments to reimburse his loan.

For the more speculative investor: Conversely, this guarantee also attracts seasoned investors who are looking for solutions, including an investment loan, to improve their return potential. The use of guaranteed investment funds, more specifically with the Guarantee 100/100 r, is very attractive for this type of loan. In fact, Ian will be able to cover the loan principal with the 100% guaranteed value after 10 years5.

Guaranteed Minimum Withdrawal Benefit

The client may, at any time, choose to add the Guaranteed Minimum Withdrawal Benefit (GMWB) option, which ensures him/her a guaranteed and regular income stream for a specified period during his/her retirement.

The GMWB/Guarantee 100/100 r combination is advantageous for retired individuals who are concerned about being 100% protected at all times.

For an initial Deposit of $100,000, this is what the client would receive if he/she had invested:

• in the DFS GIF – Balanced Growth – Quotential: repayment of about $680;

• In the DFS GIF – Global Equity – AllianceBernstein: repayment of about $1,100.

700

600

1,300

1,200

1,100

1,000

900

800

500

11

9

7

5

3

1

-1

Jan. 97 Jan. 98 Jan. 99 Jan. 00 Jan. 01 Jan. 02 Jan. 03 Jan. 04 Jan. 05 Jan. 06 Jan. 07

MSCI World Local Amount in billions of $

Price Index – MSCI WorldNewnet Sales (Long Term funds)

This graph shows net sales of mutual funds in Canada between January 1997 and June 2007 as per the IFIC, versus the MSCI World Index.

100% Guaranteed at maturity

4 Borrowing to finance the purchase of guaranteed investment funds comprises a greater risk than buying them with your own money. The liability you incur for reimbursing the loan and paying the interest under the loan terms remains unchanged even if the value of these funds decreases. Before you take part in this program, please read our disclosure document regarding financial leverage, which describes these risks in more detail.

5 If no withdrawals are made between the time of the Deposit and the Deposit Maturity Date. 6 Paul Lim, New York Times, May 28, 2006.

Jonathan and Brooke have three young children. They want to protect them in case they both should die.

Consult the GMWB Leaflet to find out more about how it works and its advantages.

Page 17: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

GMWB

The GMWB: To benefit from a guaranteed and predictable income

•Resetoftheguaranteed valueeverythreeyears, whenmarketsareup

• TheProtectedValueis calculated,atthetime ofthefirstwithdrawal, tothehighestof100% ofinitialDepositor MarketValue

•Predicableandguaranteed income

•100%ofthecapital recovered

• Flexibilityofadding theGMWBatthemost profitabletime

• Fundsavailableinall assetcategories

Remembertocheckout75/75, 75/100 i and 100/100 r LeafletstofindoutabouttheCoreGuarantees.

Guaranteed Minimum Withdrawal Benefit

FoRRePResenTaTiVes’useonly

Page 18: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

TheGMWBensuresthatyourclientreceives

aguaranteedandpredictableincomeover

aspecifiedperiod.itthusoffersprotection

againstmarketdownturnswhiletaking

advantageofmarketupturns,foran

activeretirement.

TheGMWBoptionofferstheclearadvantage

ofallowingyourclienttoapplythisoptional

Guaranteetohis/herHeliosContractat any time,whenitismost

profitableforhim/herandhe/sheisreadytobegintakinganincome.

Exclusive!Theclientcanchoosetomakehis/herfirstwithdrawal

whenthemarketsarehigh,thereforegivinghim/herabigger

totalamountforretirement.

WhatdoestheGMWBoffer?

What is a Guaranteed Investment Fund (GIF)?

Commonlyknownasa“segregatedfund”,aGiFisaninvestmentfundcreatedandissuedexclusivelybylifeinsurancecompanies.itisofferedthroughcontractswhichoffermaturityandDeathBenefitguarantees.

Page 19: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

GMWB Election Date:dateonwhichtheclienthaschosentoaddtheGMWBtohis/herContract.

GMWB Exercise Date:dateonwhichthefirstwithdrawalismadetotheclient.

Initial GMWB Protected Value:istheMarketValueoftheContractontheGMWBelectionDate.

CalculatingtheGMWB

However,iftheMarketValueatthetimethefirstwithdrawalismadeishigher,theMarketValuewillbeusedfortheGMWB.

Each year, the GMWB Net Protected Value is calculated:

Initial Protected Value

amounts paid to date

new Deposits received

Net Protected Value- + =

Thisoptionguaranteesthatthetotalamountavailableatthetimeitiselectedisavailableforwithdrawalovera15-yearperiod:

•7%peryearforthefirst14years;

•2%the15thyear.

iftheclientchoosestowithdrawanamountthatislessthanthe7%maximum,theguaranteeperiodwillbeextendedtoover15years.

Therefore,theclientisalwayssuretoget back 100% of his/her capital*.

*aslongastheclientdoesnotexceedthe7%allowedperyear.

Reset of the GMWB Net Protected Value (afterthefirstwithdrawalismade)

Every three years, thenetProtectedValueiscomparedtotheMarketValue.If the Market Value at that time is higher than the Net Protected Value, the latter will be reset to the Market Value.

WhentheProtectedValueisadjustedupwards,theincreasewillbeallocatedtotheremainingGMWBamountsavailableinthefollowingorder:

•increasethemaximumGMWBamountavailabletobepaidtoamaximumof7%oftheProtectedValuethenineffect.

•increasethecurrentGMWBProtectedValueandextendthewithdrawalperiod.

•ifthenetProtectedValueisgreaterthantheProtectedValuecalculatedforJanuary1stofthenextyear,theProtectedValueisincreasedandthemaximumamountisrecalculated.

Page 20: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

impactofwithdrawalsonmaturityandDeathBenefitguaranteesRegardlesswhichCoreGuaranteeischosen,itremainsvaliduntilallthecapitalhasbeenrepaidtotheclient.eachwithdrawalundertheGMWBreducesthematurityandDeathBenefitguaranteesproratedtotheunitswithdrawn.

Excess paymentsifapaidoutamountishigherthanthemaximumamountprovidedforundertheGMWB,thenetProtectedValueandthemaximumGMWBamountwillbeadjusted.ThisadjustmentwillbecalculatedbasedontheproportionbetweentheexcesspaymentandtheContractMarketValuejustpriortotheexcesspayment.

RRIF /LIFForRiFs/liFs,iftheminimumamounttobewithdrawnexceeds7%,thisamountwillnotbetreatedasanexcesspayment.However,theProtectedValueandtheguaranteeperioddecreasemorequicklythantheinitially-projectedGMWBperiod.

Whatisthe“new” retirement?DFs’sannualretirement3surveyaskedemployeeswhytheywereinahurrytoretire.Theiranswer:

• Tohavemorefreedomtodowhattheywantwhentheywant

• Tohavemoretimetocarryouttheirprojects

Their main concern?To have enough money for retirement.

3annualRetirementsurvey,soM/DFs,august2006.

7%... is it enough?accordingtoaliMRastudypublishedin20072,themedianamountwithdrawnfromGMWBcontractsintheu.s.representsabout6%oftheinitialcontractdepositamount.7%ismoreflexiblethanasmallermaximumrate.

2 GuaranteedlivingBenefitutilization,liMRa,MatthewDrinkwater,2007.

Page 21: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

140,000

$

120,000

100,000

80,000

60,000

40,000

20,000

00 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18

Maximum GMWB Amount

MarketValue

Net Protected Value

ProtectedValue

Additional GMWB Years

Years

Election Date

Reset every 3 years

Reset every 3 years

Reset every 3 years

Exercice Date – Protected Value is Market Value Reset every 3 years – Net

Protected Value is up

let’sseewhattheGMWBcanoffertooscar…

allamountsattributedtoaGiFareinvestedattheriskoftheownerandthevaluemayincreaseordecrease.ThisgraphshowstheadditionoftheGMWBoptionwithaninitialamountof$100,000,atthemaximumrateof7%andhowtheguaranteedvalueisresetwhenthemarketisup.Thissimulationisneitheranindicationnoraguaranteeoffutureresults.

TheGMWBassuresoscarthathewillneverbeaffectedbymarketdownturns,

butalsoletshimtakeadvantageofmarketupturns.Thus,everythreeyears

duringtheGMWBPeriod(resetswillstartafterthefirstwithdrawalismade),

theProtectedValueiscomparedtotheContractMarketValueandadjusted

upwardifthelatterishigher.Thefollowinggraphprovidesanexample.

TheresetofthenetguaranteedvalueaddstwoadditionalGMWByears.

Guaranteed value reset every three years!

Participationinthemarket

oscar,age62,has more than four months to go before he retires.

Wants to have extra funds to pay for the little pleasures of life.

Page 22: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

100,000

90,000

80,000

70,000

60,000

50,000

40,000

30,000

20,000

10,000

01 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Market Value equals 0

GMWB Protected Annual Payment Net Protected Value Market Value at the end of year

Years

$

let’sseewhattheGMWBcanoffertosam…

allamountsattributedtoaGiFareinvestedattheriskoftheownerandthevaluemayincreaseordecrease.ThisgraphshowstheadditionoftheGMWBoptionwithaninitialamountof$100,000,atthemaximumrateof7%for14yearsand2%forthe15thyear.Thissimulationisneitheranindicationnoraguaranteeoffutureresults.

TheGMWBallowssamtoreceiveaguaranteedandpredictableincomeoveragivenperiod.Themaximumthatcanbewithdrawnperyearis7%oftheinitialvalueforaperiodof15years,unlesstheRiFminimumishigher.evenifthemarketweretoturndown,theclientiscertaintoreceive100%ofhiscapital.Thus,samcanbettercontrolandplanhisprojects.

Recovery of 100% of the capital, even if the markets turn down.

Capitalprotection

sam,age67,retired two years ago.

Wants to stabilize his retirement income.

evenifthemarketvalueequals0,samstillreceiveshisGMWBamountuntiltheendofyear15.

Page 23: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

AnnualWithdrawal

Maximum GMWB Amount

Net ProtectedValue

Market Value at the end of year

Years

let’sseewhattheGMWBcanoffertoMartha…

allamountsattributedtoaGiFareinvestedattheriskoftheownerandthevaluemayincreaseordecrease.ThisgraphshowstheadditionoftheGMWBoptionwithaninitialamountof$100,000,atarateof4%annuallywithanincreaseto7%onsomeGMWByears.Thissimulationisneitheranindicationnoraguaranteeoffutureresults.

Forexample,ifMarthawantsanannualincomethatisequivalentto4%oftheinitialvalue,shecandisposeofthisincomeovera25-yearperiod.TheGMWBformulaisflexiblesinceMarthacanvarytheamountofherannualwithdrawals.eachwithdrawalthatislowerthanthemaximumaddsadditionalyearstotheGMWBPeriod.

Guaranteed and flexible income

Flexibility

Martha,age64,retired three years ago.

Not yet sure what her real needs are.

Marthaincreasedherwithdrawalamounttogoonherdreamcruise.

Thegraphshowsthat,eveniftheMarketValueequals0after19years,becauseofwithdrawalsandmarketdownfalls,MarthacontinuestoreceiveherGMWBamountuntiltheendofyear23.Thus,Martharetainscontrolandcan,fromtimetotime,modifytheamountofherwithdrawalsdependingonherprojects.

Page 24: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

let’sseewhattheGMWBcanoffer toRosemary…

Formoreinformationonthe31DesjardinsFinancialsecurityGuaranteedinvestmentFunds,checkouttheFunds Leaflet.

ControloverinvestmentsRosemary,age58,will retire in six months.

Likes to do things her way.

Portfolios of FundsDFsGiF–Diversifiedincome–QuotentialDFsGiF–Balancedincome–QuotentialDFsGiF–BalancedGrowth–QuotentialDFsGiF–Growthandincome–northwestQuadrantDFsGiF–Growth–QuotentialDFsGiF–ultimateequity–Multi-managers

Individual Funds

IncomeDFsGiF–MoneyMarketDFsGiF–CanadianBond–addendaDFsGiF–income–FieraDFsGiF–Growthandincome–northwestDFsGiF–GlobalHighincome–Multi-managers

Balanced and Income AllocationDFsGiF–GlobalBalanced–JarislowskyFraserDFsGiF–BalancedGrowth–McleanBuddenDFsGiF–CanadianBalanced–FieraDFsGiF–CanadianBalanced–Bissett

Canadian EquityDFsGiF–Dividendincome–BissettDFsGiF–CanadianDividend–FieraDFsGiF–Canadianequity–JarislowskyFraser

Foreign Equity DFsGiF–Global–FidelityDFsGiF–Globalequity–allianceBernstein

Rosemarymanagesherownportfolio.TheGMWBoptionisofferedwith20funds,allocatedacrossallassetclasses:

Page 25: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

WhataretheGMWBfees?additionalfeesarechargedtocoverGMWB.Thesefeestakeeffect

onlyonthedaytheGMWBoptionischosen.

GMWB-relatedfeesarepresentedintheFunds Leaflet,

onthefundpageforeachGiF.

Core Guarantees For whom?

Guarantee 75/75 +GMWB • Retiredindividualswhosemain concernisrevenueprotection.

Guarantee 75/100 i +GMWB • Retiredindividualswhoalsowanttomaintain thepurchasingpoweroftheirlovedones.

Guarantee 100/100 r +GMWB • Retiredindividualswhowanttomake suretheyare100%protectedatalltimes.

FormoredetailsabouteachoftheseCoreGuarantees,checkout75/75, 75/100 i and 100/100 r Leaflets.

CombiningGMWBandCoreGuarantees

Page 26: Highlights of Helios - VirtGatedia.virtgate.ca/library/DesjardinsHeliosHighlights_Nov2007.pdf · Highlights of Helios The choice between three distinct guarantees Guarantee at maturity

TM®TrademarksownedbyDesjardinsFinancialsecurity

desjardinsfinancialsecurity.com/helios

0723

4e04

(07-

10)

GMWB

Receiveamaximumincomeduringthemostactiveretirementperiod!

GMWB:• Resetoftheguaranteedvalue everythreeyears,ifmarkets areup;

• TheProtectedValueis calculated,atthetimeof thefirstwithdrawal,tothe highestof100%ofinitial DepositorMarketValue;

• Predicableand guaranteedincome;

• 100%ofthecapitalrecovered;

• FlexibilityofaddingtheGMWB atthemostprofitabletime;

• Fundsavailableinall assetcategories.

DepositsmadeintheHeliosContractareprotectedbyassuris(assuris.ca).

PleaserefertotheglossarycontainedintheContractandinformationFolderforadefinitionofallcapitalizedtermsusedinthisdocument.

TheContractandinformationFoldercontainsimportantinformationontheDesjardinsFinancialsecurityGuaranteedinvestmentFundsPlan–HeliosandtheDesjardinsFinancialsecurityGuaranteedinvestmentFunds.Pleasereaditcarefullybeforeinvesting.HeliosisatrademarkownedbyDesjardinsFinancialsecuritylifeassuranceCompany.TheDesjardinsFinancialsecurityGuaranteedinvestmentFundsareestablishedbyDesjardinsFinancialsecuritylifeassuranceCompany.


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