This policy is designed to help provide you with financial security in retirement. At retirement you may use the value of the policy to provide a combination of lump sum and regular benefits.

This is a single contribution policy and you may pay the contribution either by cheque or banker’s draft. Once the contribution has been paid, the policy remains in force until you retire, unless you choose to transfer the policy to another provider. You may pay additional lump sum contributions at any time.

This is a long-term policy and is intended to continue until you retirement. Benefits cannot be taken under the policy until such time. You should not therefore enter into such a commitment unless you are fully satisfied that you will not need access to the amounts contributed until that time. In order to provide adequate retirement benefits, you should expect to contribute on a regular basis to this policy.

If the policy replaces in whole or in part, any other policy, which you may have with any other insurer, you should be aware that this might not be in your best interest. You should therefore take steps to satisfy yourself that you will not be disadvantaged as a result.