Helios secures your retirement plans

Get guaranteed income for your retirement

Do you have some special retirement plans and want to maintain your lifestyle without having to worry about using up all your savings?

The Helios Contract can help you reach your goals by adding its Optional Guarantee, the Guaranteed Lifetime Withdrawal Benefit (GLWB), to your Contract.

The GLWB allows you to receive a guaranteed and predictable retirement income under your Helios Contract for life. This income will never decrease, provided you don't withdraw* more than the GLWB Maximum Amount each year. Your retirement income could even increase with resets and the GLWB Bonus!**

The GLWB provides guaranteed retirement income for life

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When can I add the Guaranteed Lifetime Withdrawal Benefit to my Helios Contract?

You can add the Guaranteed Lifetime Withdrawal Benefit to your Contract any time up to when the Annuitant reaches the age of 80. Please contact your representative if you’d like to add it to your Contract.

Are all of the Helios Contract’s Funds eligible for the Guaranteed Lifetime Withdrawal Benefit?

Only the following Funds are eligible for the GLWB:

Portfolios of Funds

DFS GIF – Diversified Income – Quotential
DFS GIF – Balanced Income – Quotential
DFS GIF – Balanced Growth – Quotential
DFS GIF – Global Growth – Northwest Select

Individual Funds

DFS GIF – Money Market
DFS GIF – Income – Fiera
DFS GIF – Canadian Bond – Addenda
DFS GIF – Growth and Income – Northwest
DFS GIF – Global Balanced – Jarislowsky Fraser
DFS GIF – Balanced Growth – McLean Budden
DFS GIF – Canadian Balanced – Fidelity
DFS GIF – Canadian Balanced – Fiera
DFS GIF – Canadian Balanced – Bissett
DFS GIF – Canadian Balanced – CI Signature
DFS GIF – Balanced – Ethical

Browse the Funds’ curve to see all of the Funds offered under the Helios Contract.

How is my annual income calculated?

The amount you can withdraw each year corresponds to a percentage of your GLWB Protected Value. This percentage is based on the Annuitant's age at the time of your first withdrawal. This amount is calculated at the time your first withdrawal is made and on January 1 every subsequent year.

GLWB Payout Percentage

Annuitant’s age at first withdrawal	Annual withdrawal (single Annuitant)	Annual withdrawal (two Annuitants)
Ages 50 to 54	4%	3.5%
Ages 55 to 59	4.25%	3.75%
Ages 60 to 64	4.5%	4%
Ages 65 to 69	5%	4.5%
Ages 70 to 74	5.5%	5%
Ages 75 and up	6%	5.5%

* Any withdrawal that exceeds the GLWB Maximum Amount is considered a GLWB Excess Payment and thus, decreases the GLWB Protected Value and the GLWB Maximum Amount for subsequent years. Please refer to the Contract and Information Folder for more information.

**Please refer to the section on the Guaranteed Lifetime Withdrawal Benefit (GLWB) in the Contract and Information Folder for more information on the rules governing the GLWB Bonus.

All information presented on this site is for illustration purposes only and is in no way an indication of past performance or future results.

Click on the underlined terms in green to access their definition. These are defined terms of the Helios Contract that can be found in the glossary of the Contract and Information Folder.

The Contract and Information Folder (PDF, 3,1 MB) contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios and the DFS Guaranteed Investment Funds. Please read it carefully before investing. Helios and DFS Guaranteed Investment Funds are registered trademarks owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.

® Registered trademark owned by Desjardins Financial Security

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