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For Universal Life Investment Accounts

Guaranteed Market Index (GMIA) Illustrator

GMIA

Market Indexed Account

Alternative Interest Account

Growth of $10,000 for 10 Years

End of Year Illustrated GMIA 1 Market Indexed Account 2 Alternative Interest Account 3
2009 14.97% $11,497 28.20% $12,820 3.00% $10,300
2010 4.73% $12,040 11.12% $14,246 3.00% $10,609
2011 0.00% $12,040 -10.34% $12,773 3.00% $10,927
2012 1.07% $12,170 6.30% $13,578 3.00% $11,255
2013 4.11% $12,670 11.58% $15,150 3.00% $11,593
2014 3.64% $13,131 10.22% $16,699 3.00% $11,941
2015 0.00% $13,131 -10.36% $14,969 3.00% $12,299
2016 8.83% $14,291 20.50% $18,038 3.00% $12,668
2017 2.18% $14,602 7.37% $19,367 3.00% $13,048
2018 0.00% $14,602 -9.55% $17,517 3.00% $13,439
Annualized Average
Rate of Return
3.86% 5.77% 3.00%

Notes

1 GMIA Values are based on the GMIA Credited Rate of Return, converted to Canadian dollars (if applicable), using the historical performance of the underlying Reference Market Index by calendar year assuming the fund was available for that period. The historical performance of securities in the Reference Market Index does not indicate the future performance of those securities.
You do not purchase units in any index or a legal interest in any security.

2 Market Indexed Account Values are based on the historical performance of the underlying Total Return Index, adjusted for currency fluctuation (if applicable), less 1.75% by calendar year. The historical performance of securities in the Total Return Index does not indicate the future performance of those securities.

3 Alternative Interest Rate is merely for comparison purposes and is not reflective of any particular investment account or securities.
The accumulation does not reflect any insurance charges (such as cost of insurance, premium tax or other deductions), which will impact the actual accumulation of any funds in a GMIA when included in a universal life policy.')

Illustrator Factors

Minimum Rate of Return
0.00%
Index Cap Rate
No Maximum
Hurdle Rate
3.00%
Current Participation Rate
60.00%
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