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 December 03, 2021¹

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	0.05%	0.05%	0.05%	0.05%	0.05%
1 year	0.50%	0.65%	0.70%	0.75%	0.80%
2 years	1.20%	1.35%	1.40%	1.45%	1.50%
3 years	1.40%	1.55%	1.60%	1.65%	1.70%
4 years	0.55%	0.70%	0.75%	0.80%	0.85%
5 years	0.80%	0.95%	1.00%	1.05%	1.10%
10 years	1.30%	1.45%	1.50%	1.55%	1.60%

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	0.25%	0.40%	0.45%	0.50%	0.55%
2nd year	0.40%	0.55%	0.60%	0.65%	0.70%
3rd year	0.70%	0.85%	0.90%	0.95%	1.00%
4th year	1.10%	1.25%	1.30%	1.35%	1.40%
5th year	1.55%	1.70%	1.75%	1.80%	1.85%

High Interest Savings Account rates and Daily Interest Fund+ rates

The current rate is 0.40%.

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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