The projection of illustrated additions is dependent on current and ultimate investment yields. The ultimate investment yields refer to ultimate interest rate assumptions with an additional margin of prudence adopted by the company. These assumptions are influenced by actuarial guidance on ultimate risk-free interest rates published by the Canadian Institute of Actuaries, among other factors. The actuarial guidance as of July 3, 2019 suggests ultimate risk-free interest rates between 3.5% to 5.5%.


Please see our Adjustable Contracts (Criteria for Changes) Policy for detailed information.

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