Class Plus 3.0: Offering certainty and guaranteed retirement income for life

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