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Guaranteed Investment Rates

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Type of contract

Savings

Insurance – universal life policies

Product availability

Products offered for new contracts

Products not offered for new contracts

Product family

Savings

In effect on November 25, 2022¹

Combine efficiency, flexibility and security. A great alternative to bonds!

Redeemable at any time²
Possible creditor protection
Quick payment at death

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Guaranteed Interest Fund Rates

Guaranteed Interest Fund Rates
Term	Amount to be invested
	$500 to $24,999	$25,000 to $99,999	$100,000 to $199,999	$200,000 to $499,999	$500,000 to $999,999
1 month renewable³	2.45%	2.45%	2.45%	2.45%	2.45%
1 year	4.35%	4.50%	4.55%	4.60%	4.65%
2 years	4.25%	4.40%	4.45%	4.50%	4.55%
3 years	4.15%	4.30%	4.35%	4.40%	4.45%
4 years	4.10%	4.25%	4.30%	4.35%	4.40%
5 years	4.10%	4.25%	4.30%	4.35%	4.40%
10 years	4.00%	4.15%	4.20%	4.25%	4.30%

5-Year Progressive Rates

5-Year Progressive Rates
Term	Amount to be invested
	$500 to $24,999	$25,000 to $99,999	$100,000 to $199,999	$200,000 to $499,999	$500,000 to $999,999
1st year	3.55%	3.70%	3.75%	3.80%	3.85%
2nd year	3.70%	3.85%	3.90%	3.95%	4.00%
3rd year	4.00%	4.15%	4.20%	4.25%	4.30%
4th year	4.40%	4.55%	4.60%	4.65%	4.70%
5th year	4.85%	5.00%	5.05%	5.10%	5.15%

High Interest Savings Account rates and Daily Interest Fund+ rates

The current rate is 3.55%.

¹ Rates are reviewed weekly and are subject to change without notice.

² Fees may apply.

³ Annualized simple rate; annualized compound rate for other terms.

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