GIC-Type Products
Our reliable and adaptable products are tailored to accommodate all investor profiles and meet your clients’ needs.
GIC-type products are ideal for:
- Registered Retirement Savings Plan (RRSP)
- Tax-Free Savings Account (TFSA)
- Registered Retirement Income Fund (RRIF)
- Life Income Fund (LIF)
- Locked-in Retirement Account (LIRA)
Uniflex is a short-term investment product with 100% guaranteed interest rates for a period from 1 to 5 years. Investors are aware of the investment’s final performance from the outset.
Features
- Redeemable at any moment (with penalties stated in the contract)
- Flexible thanks to choices of interest rates calculation: compound, simple yearly-allocated or simple monthly-allocated
- Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), registered retirement income fund (RRIF), life income funds (LIF) or tax-free savings accounts (TFSA)
Benefits
- 100% protected capital
- Fixed interest rates for the entire investment period (final performance is known when the contract is issued)
10-Year Step-Up Uniflex is a secure investment solution with growing annual interest rates for 10 years. It fits short-term to long-term investors as it is redeemable with no penalty at each contract anniversary.
Features
- Yearly compound interest rates
- Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), and tax-free savings accounts (TFSA)
- Age limit of 61 for RRSP and LIRA
Benefits
- 100% protected capital
- Guaranteed increasing interest rates for 10 years
- Redeemable without penalty at each contract anniversary
Uniflex 10 locks in capital for 10 years. It grows with the interest rate of Uniflex 5 years for the first 5 years, then at a subsidized interest rate for the following 5 years.
Features
- Redeemable at any moment (with penalties stated in the contract)
- Yearly compound interest rates
- Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), and tax-free savings accounts (TFSA)
- Age limit of 61 for RRSP and LIRA
Benefits
- 100% protected capital
- Higher interest rates than the 10-Year Step-Up Uniflex, as there is no penalty-free redemption option on anniversaries
Annuity Products
Explore our annuity products, tailored to offer your clients a stable and guaranteed income, unaffected by market fluctuations.
Offer your clients a guaranteed source of income, unaffected by market conditions and interest rate fluctuations. Our annuities certain, tailored to their needs, provide a stable periodic income for a fixed time period. Moreover, in the event of death before the end of the annuity term, the remaining payments will be made to the beneficiary.
Overview of monthly annuity certain amounts
- Deposit: $100,000
| Guaranteed period | Monthly annuity* |
|---|---|
| 10 years | $852 |
| 15 years | $621 |
| 20 years | $492 |
Benefits
- Guaranteed fixed income for a specific period
- Payments unaffected by market and interest rates fluctuations
- Accessible to investors of all ages
*According to interest rates in force on March 2015. The annuity amount can differ at the time of your request. Invested capital, current interest rates and guaranteed length of the annuity will also affect the annuity payment.
Provide your clients with peace of mind by guaranteeing a fixed income for life. Whether monthly or annually, they receive a regular income, regardless of market conditions and interest rate fluctuations.
Overview of monthly life annuity amounts
A male and a female of 65 years old both pay a $100,000 capital.
| Guaranteed period | Male’s monthly annuity payment** | Female’s monthly annuity payment** |
|---|---|---|
| 10 years | $453 | $414 |
| 15 years | $436 | $405 |
| 20 years | $412 | $392 |
Benefits
- Guaranteed fixed income for life
- Ensures that savings do not run out before death
- Payments unaffected by market and interest rates fluctuations
** The annuity amounts are calculated according to interest rates in force on March 2015, and can differ at the time of your request. Invested capital, current interest rates, age and gender of the annuitant and guaranteed length of the annuity will also affect the annuity payment.
Offer your clients a guaranteed fixed income for life, and ensure the continuity of these payments to their spouse after their death. Their spouse will receive all outstanding guaranteed payments, ensuring lasting financial stability.
Overview of monthly joint and survivor annuity
An annuity on a 65-year-old man’s life, 100% or 60% transferable to their 65-year-old spouse after his death, with a $100,000 deposit.
| Guaranteed period | Male monthly annuity** | Female monthly annuity** |
|---|---|---|
| 10 years | $453 | $414 |
| 15 years | $436 | $405 |
| 20 years | $412 | $392 |
Benefits
- Guaranteed fixed income for life
- Ensures that savings do not run out before death
- Guaranteed revenue to spouse
- Payments unaffected by market and interest rates fluctuations
***The annuity amounts are calculated according to interest rates in force on March 2015, and can differ at the time of your request. Invested capital, current interest rates, age and gender of the annuitant and guaranteed length of the annuity will also affect the annuity payment.
Our Team
Our investment sales team is made up of professionals committed to assisting financial security advisors. Make an appointment with one of them to learn more about our products!
