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MRA674A (2014-01)

SSQ, Life Insurance Company Inc.

ASTRA Segregated Funds

ASTRA TD Global Dividend EquityFUND FACTS • Financial information as at December 31, 2012

Quick Facts

Date fund created: January 13, 2014Total asset value: N/ANumber of units outstanding: 0

Portfolio manager(s): TD Asset ManagementPortfolio turnover rate: 25%Minimum investment: Regular Product $400

Net asset value per unit: N/AManagement expense ratio (MER): between 3.39% and 4.99% (including taxes)If you invest $500,000 dollars or more, some of the fees you are required to pay may be lowered. Certain conditions apply.

What does this fund invest in?The fund is invested in units of the TD Emerald Global EquityShareholder Yield Pooled Fund Trust, which is invested mainly incommon shares of large-cap global companies that pay dividendincome.

Top 10 investments of the underlying fund

BCE inc. 1.90%Swisscom AG 1.80%Pearson PLC 1.70%Nestle S.A. 1.70%National Grid PLC 1.60%Vadafone Group PLC 1.60%Kimberly-Clark Corp. 1.60%Imperial Tobacco Group PLC 1.60%BASF SE 1.60%Verizon Communications Inc. 1.60%Total 16.7%Total investments : 100 Asset Mix

2.3% Cash and Cash Equivalents14.0% Utilities14.5% Telecommunications

5.1% Information Technology7.3% Financial Services9.1% Health Care

16.5% Consumer Staples10.8% Consumer Discretionary

9.2% Industrials2.7% Materials8.5% Energy

How risky is it?The value of your investments under your contract can go down.Please see the Information Folder for further details.

Verylow Low

Low tomoderate Moderate

Moderateto high High

How has the fund performed?

This section tells you how the fund has performed over the past 10years for an investor who chooses the basic guarantee. Returns areafter the MER has been deducted. It's important to note that thisdoesn't tell you how the fund will perform in the future. Also, your actualreturn will depend on the guarantee option you choose and on yourpersonal tax situation.

Average returnThe performance will be reported once the fund is in existence formore than one year.

Year-by-year returnsThis chart demonstrates the underlying fund's performance over thepast 7 years. In the past 7 years, the fund was up in value for 5 yearsand down in value for 2 years.

Underlying Fund(s) Returns (%)

0%

10%

-10%

20%

-20%

30%

2003

N/A

2004

N/A

2005

N/A

2006

22.3*

2007

-9.9*

2008

-17.2*

2009

2.8*

2010

3.7*

2011

6.1*

2012

5.4*

* For illustration purposes only. Actual segregated fund performancemay vary.

Are there any guarantees?This segregated fund is being offered under an insurance contract. Itcomes with guarantees that may protect a contractholder's investmentif the markets go down. The MER includes the insurance cost for theguarantee. For details please refer to the Information Folder.

Who is the fund for?This fund may be right for a contractholder seeking for high dividendincome while favouring medium to long-term capital growth.

This document constitutes an amendment to the Information Folder and Contract (BRA1620) printed in May 2013 and must be included with such. All sections of the Information Folder and Annuity Contract apply, subject to the changes outlined below.

This document does not modify the Information Folder and Contract for the ASTRA Guaranteed Income product, original version (BRA1240), version II (BRA1441) or version 2.1 (BRA1592).

For any questions pertaining to this document, please contact SSQ Client Services at 1-800-320-4887 or send your questions in writing to: P.O. Box 10510, Station Sainte-Foy, Quebec QC G1V 0A3.

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.

New ASTRA FundsSSQ Financial Group has added two new funds to its product offering. These are ASTRA PIMCO Global Bond and ASTRA TD Global Dividend Equity. Information about these funds is provided in their respective Fund Facts. Consequently, the Fund Facts section of the Information Folder and Contract has been amended by the addition of the two new Fund Facts, attached herewith.

New ManagerThe Our Managers section of the Information Folder and Contract has been amended by the addition of the following:

TD Asset ManagementTD Asset Management Inc. (TDAM), one of Canada’s largest investment management firms, offers a full suite of investment management solutions for corporations, pension funds, endowments, foundations and high net worth individuals. TDAM appoints Epoch Investment Partners, Inc. (Epoch), a wholly-owned subsidiary of The Toronto-Dominion Bank and an affiliate of TDAM, as sub-adviser for some of the funds it offers. Founded in April 2004 by experienced professionals, Epoch is a global asset management firm with a strong capital structure, robust infrastructure, and

transparent business practices. Epoch views the reliable generation and thoughtful allocation of free cash flow as the best predictors of long-term shareholder return.161 Bay Street, 34th FloorToronto ON M5J 2T2

Name Change for the Manager MFS McLean Budden Our manager, MFS McLean Budden, becomes MFS Investment Management Canada Limited. The Our Managers section of the Information Folder and Contract has been amended by the addition of the following:

MFS Investment Management Canada Limited

MFS Investment Management (MFS®) serves investors in more than 75 countries through offices in nine major financial centres - Boston, Hong Kong, London, Mexico City, Sao Paolo, Singapore, Sydney, Toronto and Tokyo. We apply a uniquely collaborative approach to build better insights for our clients using three guiding principles: integrated research, global collaboration and active risk management. We analyze investment opportunities across the world by integrating fundamental, quantitative, and

credit perspectives. Our team and reward structure ensure collaboration across the organization. Actively managing risk is the responsibility of every member of the investment team and drives our decisions and results.

We offer an array of institutional strategies and vehicles including separate accounts and pooled funds. Our client base includes defined benefit and defined contribution/capital accumulation plans, endowments and foundations and sub-advisory relationships.

AMENDMENT TO THE INFORMATION FOLDER AND CONTRACT January 2014

For more informationThe Fund Facts may not contain all the information you need.Please read the contract and the Information Folder or you may contact us.

SSQ, Life Insurance Company Inc.SSQ Investment and Retirement1245 chemin Sainte-Foy, Suite 210, Quebec QC G1S 4P2 • P.O. Box 10510 Stn Sainte-Foy, Quebec QC G1V 0A3Tel.: 1-800-320-4887 • Fax: 1-866-559-6871 • E-mail address: [email protected]

ASTRA TD Global Dividend Equity

How much does it cost?The following tables show the fees and expenses you could pay to buy, own and sell units of the fund.1. Sales Charge

Sales Charge Options(Fund Codes) What you pay How it works

Front-load SalesCharge(REG : 2650 )

Up to 5%• You and your advisor decide on the rate.• The front-load sales charge is deducted from the amount you invest and paid as

a commission.

Back-load Sales Charge(REG : 0650 )

If you sell within:1 year of buying: 6%2 year of buying: 6%3 year of buying: 5%4 year of buying: 4%5 year of buying: 3%6 year of buying: 2%Following years: 0%

• Back-load sales charges have a fixed rate. They are deducted from the amountsold.

• When you invest in the fund, SSQ pays a 5% commission. Back-load sales chargesthat you pay are remitted to SSQ.

• 10% of your unit sales per year (20% in RRIFs, LIFs, PRRIFs and LRIFs) may bemade without back-load sales charges.

• You can exchange your units for units in another fund available under the contractat any time, without any back-load sales charges, as long as the guarantee optiondoesn't change. The back-load sales charge schedule is established based on thedate that you invested in the first fund.

No-load Mode A(REG : 1650 ) N/A • No sales charges.

No-load Mode B(REG : 3650 ) N/A • No sales charges.

• When you invest in the fund, SSQ pays a 3% commission.

2. Ongoing fund expensesThe MER includes the management fee and operatingexpenses of the fund. The MER includes the insurancecost for the guarantee. You don't pay these expensesdirectly. However, they affect you because they reducethe return you get on your investment.Actual MER may differ from this amount, given theapplicable taxes.The "Annual Guarantee Fees" indicated in the table thatapply to the Enhanced and Optimal guarantee optionsare deducted from the contract.For details about how the guarantees work, see yourinsurance contract.

Guaranteeoptions MER Limit Annual Guarantee Fees * MER (Total)

Current 0.00% 3.39%Basic(75% - 75%) 3.39% Maximum 0.50% 3.89%

Current 0.80% 4.19%Enhanced(75% - 100%) 3.39% Maximum 1.30% 4.69%

Current 1.60% 4.99%Optimal(100% - 100%) 3.39% Maximum 2.40% 5.79%

* % of fund's net assets

Trailer fee commissionsSSQ pays a trailer fee commission that may be up to 1% of your investment annually for as long as you hold fund units. The commissioncovers the services and advice that are provided to you, and is deducted from the management fees. The rate depends on the back-load salescharge option you have selected.

3. Other FeesIf you sell or transfer units within 90 days of their purchase, you may have to pay a short-term transaction fee of 2% of the value of these units. What if I change my mind?You can change your mind about your investment in a fund within two business days of the earlier of the date you received confirmation or fivebusiness days after it is mailed. You have to tell SSQ in writing (by email, fax or letter) that you want to cancel. The amount returned will bethe lesser of the amount you invested or the value of the fund if it has gone down. The amount returned only applies to the specific transactionand will include a refund of any fees you paid.You can also change your mind about subsequent transactions you make under the contract within two business days from the date you receivedconfirmation. In this case, the right to cancel only applies to the new transaction.

MONTREAL SALES OFFICE1200 Papineau Ave, Suite 460 Montreal QC H2K 4R5Tel.: 514-521-7365 • 1-800-361-8100Fax: 1-866-606-2764

ONTARIO, WESTERN AND ATLANTIC REGIONAL SALES OFFICE110 Sheppard Avenue East, Suite 500Toronto ON M2N 6Y8Tel.: 1-888-429-2543Fax: 416-928-8515

QUEBEC CITY SALES OFFICE1245 Chemin Sainte-Foy, Suite 210Quebec QC G1S 4P2Tel.: 1-888-900-3457Fax: 1-866-559-6871

CLIENT SERVICESP.O. Box 10510, Stn Sainte-FoyQuebec QC G1V 0A3Tel.: 1-800-320-4887Fax: 1-866-559-6871

[email protected]

BRA1620A (2013-06)

INFORMATION FOLDER AND CONTRACTASTRA Segregated Funds (Individual Variable Insurance Contracts) relating to the Basic, Enhanced and Optimal guarantees.SSQ Guaranteed InvestmentsASTRA Equity GIAs

This brochure is for Individual Contractholders.This Information Folder is not an insurance contract.This Information Folder describes benefits that are not guaranteed.This Contract is established by the Insurer SSQ, Life Insurance Company Inc. brochure


In force as of May 21, 2013

Name Change for ASTRA MFS McLean Budden U.S. Equity FundThe name of our ASTRA MFS McLean Budden U.S. Equity fund has been changed to ASTRA MFS U.S. Equity. This change will be reflected in the Fund Facts section of the Information Folder and Contract. The investment objective of the fund remains the same.

PIMCO has a New AddressOne of our fund managers, PIMCO, has moved. The Our Managers section of the Information Folder and Contract has been amended in accordance with the information below:

199 Bay Street, Suite 2050Commerce Court Station, PO Box 363Toronto ON M5L 1G2

Change of IssuerThe following section has been added to The Annuity Contract and Retirement Plan Riders part of the Information Folder and Contract in sections IX. RIDER - SSQ Retirement Savings Plan (SSQ RSP), X. RIDER- SSQ Retirement Income Fund (SSQ RIF) and XI. RIDER - SSQ Tax-free Savings Account (SSQ TFSA):

Change of Issuer

SSQ reserves the right to resign as the issuer of this RSP (RIF or TFSA, as applicable) and appoint a successor issuer.

Chief Executive Officer Senior Vice-President – Investment and RetirementRené Hamel Bernard Tanguay

For more information about these changes, contact your financial security advisor or SSQ Client Services.

investment.ssq.caClient ServicesP.O. Box 10510, Stn Sainte-Foy, Quebec QC G1V 0A3Tel.: 1-800-320-4887 – Fax: [email protected]



ASTRA PIMCO Global BondFUND FACTS • Financial information as at December 31, 2012

Quick Facts


Portfolio manager(s): PIMCOPortfolio turnover rate: N/AMinimum investment: Regular Product $400


What does this fund invest in?The fund is invested mainly in foreign fixed-income securities issuedby foreign goverments as well as foreign blue chip companies.

Top 10 investments

PIMCO Global Advantage Strategy Bond Fund 67.00%**U.S. Treasury Inflation Protectd Securities 1.25 Jul 15 20 4.30% Mexico Govt 7.75 Dec 14 17 3.00% Canada Housing Trust 2.40 Dec 15 22 2.70% United Kingdom Gilt 1.75 Sep 07 22 2.10% Republic of Germany 2.00 Apr 01 22 1.80% U.S. Treasury Inflation Protectd Securities 0.125 Jul 15 22 1.80% Fannie Mae 3.00 Jan 01 43 1.70% United Kingdom Gilt 0.125 Mar 22 24 1.40% U.S. Treasuru Notes 1.25 Oct 31 2019 1.40% South Africa Govt 8.00 Dec 21 18 1.30%

PIMCO Monthly Income Fund 33.00%Total 100%Total investments : Not available

Asset Mix

2.0% Cash and Cash Equivalents42.6% Corporate Bonds55.4% Federal Bonds


Verylow Low






Year-by-year returnsThe performance will be reported once the fund is in existence formore than one year.

NEW FUND


Who is the fund for?This fund may be right for a contractholder seeking for regular incomeand moderate medium- to long-term capital growth.



ASTRA PIMCO Global Bond





a commission.






















Change of Issuer








Quick Facts





Top 10 investments



Asset Mix



Verylow Low







NEW FUND










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Change of Issuer








Quick Facts





Top 10 investments



Asset Mix



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NEW FUND










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MRA674A (2014-01)




Quick Facts












Verylow Low








0%

10%

-10%

20%

-20%

30%

2003

N/A

2004

N/A

2005

N/A

2006

22.3*

2007

-9.9*

2008

-17.2*

2009

2.8*

2010

3.7*

2011

6.1*

2012

5.4*

























a commission.






















[email protected]

BRA1620A (2013-06)





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MRA674A (2014-01)




Quick Facts












Verylow Low








0%

10%

-10%

20%

-20%

30%

2003

N/A

2004

N/A

2005

N/A

2006

22.3*

2007

-9.9*

2008

-17.2*

2009

2.8*

2010

3.7*

2011

6.1*

2012

5.4*

























a commission.






















[email protected]

BRA1620A (2013-06)



