Retirement income protection

Do you want retirement income that's guaranteed for life so that you can keep doing the things you love when you're retired?

When you choose Helios2 – 75/100 GLWB, your retirement income is guaranteed for life and will never decrease as long as withdrawals do not exceed amount allowed, even in market downturns. Better still, this guarantee also offers you the possibility of increasing your income if certain conditions are met.

It’s the ideal solution for

  • Providing retirement income that's guaranteed for life
  • Ensuring you don’t run out of savings
  • Leaving an inheritance in event of death

Why choose Helios2 – 75/100 GLWB?

Retirement income that’s guaranteed for life

With the Guaranteed Lifetime Withdrawal Benefit (GLWB), you'll receive income for life that will never decrease, even in market downturns.

Eligible guaranteed income

Your annual income depends on when you make your first withdrawal.

  • If you make this withdrawal as soon as you set up your contract, your annual income will be a percentage of your initial deposits. This percentage is based on your age.
  • If you make this withdrawal when your contract is already in force, your annual guaranteed income will be determined based on your age and the protected value of your contract at the time of the first withdrawal.

If you make a withdrawal before age 55 or if the amount withdrawn exceeds the GLWB maximum amount, it will be considered a GLWB excess withdrawal and will decrease the GLWB protected value, which is equal to the value of your deposits plus any applicable resets and bonuses.

Income increases: resets and bonuses

Resets based on market gains

These resets can incorporate market gains into your income that will not be lost at a later date. Resets may occur every 3 years.

Resets based on your age

At each market-based reset, if your age has changed since your last reset and you are now in a different age range within the withdrawal percentage table, you’ll receive the higher income percentage that now corresponds to your age.


Before you start to take retirement income, every year that you don’t make a withdrawal, an annual bonus will increase the GLWB protected value and therefore your income for the following years. Your bonus could increase the GLWB protected value by 2.5% to 8%.

Capital guaranteed at death

The value of the death benefit will be reset every three years based on market gains.

In the event of the death of the life assured, the value of your contract is 100% guaranteed, and will be paid confidentially to your beneficiary within just a few business days.

Selection of investment options

  • 14 individual funds offering broad diversification
  • 4 investment solutions: portfolios designed to multiply your savings.

See investment options

How do you sign up for Helios2 – 75/100 GLWB?

Set up an appointment with an advisor right away. They will evaluate your financial needs and recommend the solution that best matches your priorities.