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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 May 20, 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	0.20%	0.20%	0.20%	0.20%	0.20%
1 year	2.30%	2.45%	2.50%	2.55%	2.60%
2 years	2.85%	3.00%	3.05%	3.10%	3.15%
3 years	3.00%	3.15%	3.20%	3.25%	3.30%
4 years	2.00%	2.15%	2.20%	2.25%	2.30%
5 years	2.20%	2.35%	2.40%	2.45%	2.50%
10 years	2.40%	2.55%	2.60%	2.65%	2.70%

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	1.65%	1.80%	1.85%	1.90%	1.95%
2nd year	1.80%	1.95%	2.00%	2.05%	2.10%
3rd year	2.10%	2.25%	2.30%	2.35%	2.40%
4th year	2.50%	2.65%	2.70%	2.75%	2.80%
5th year	2.95%	3.10%	3.15%	3.20%	3.25%

High Interest Savings Account rates and Daily Interest Fund+ rates

The current rate is 1.10%.

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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