Inflation, market volatility and their effect on retirement income are weighing on the minds of Canadians. That’s why Empire Life designed Class Plus 3.0 – to address these challenges and help your clients enjoy retirement. 

Class Plus 3.0 helps with; 

• Protection from inflation by providing:  

An annual 4% Income Base Bonus¹ that builds retirement income potential.

Automatic resets every three years of your client’s Income Base and Death Benefit Guarantee² may take advantage of higher market values and help protect against inflation. 

The Annual Automatic Income Reset³ does not limit your client to the same payout rate for the rest of their life but increases every year from ages 55 to 80. 

A choice of segregated funds with three funds offering up to 80% equity.

• Protection from market volatility: Income is always protected from market downturns and it will continue even if the value of your client’s investment goes to zero.
• Relief from longevity risk concerns: Starting as early as age 55, your client is guaranteed to receive a predictable monthly income for as long as they live.⁴