Helios2 – 75/100 GLWB
Do you want to enjoy income from a Guaranteed Lifetime Withdrawal Benefit so you can keep doing what you love after you retire?
When you choose Helios2 – 75/100 GLWB, your retirement income is guaranteed for life and will never decrease, even in market downturns. Better still, this
guarantee – Opens a tooltip also offers you the possibility of increasing your income.
|Maturity benefit||Death Benefit||Guaranteed Lifetime Withdrawal Benefit (GLWB)||The right choice if…|
at age 105
100 %||Pays a guaranteed retirement income for life|
You want to guarantee your income level in retirement.
You want to ensure you don't run out of savings.
You want to leave an inheritance in the event of early death.
Why choose Helios2 – 75/100 GLWB?
- Guaranteed retirement income for life
- Income increases: resets and bonuses
- Capital guaranteed at death
- Choice of investment options
Guaranteed retirement income for life
With the GLWB, you'll receive
income for life that will never decrease, even in market downturns.
Your annual income is determined when you make your first withdrawal. If you make this withdrawal as soon as you set up your
contract – Opens a tooltip, it will be a percentage of your initial
deposits – Opens a tooltip based on your age.1
|Annuitant's age at first withdrawal||GLWB withdrawal percentage (one Annuitant)|
|55 to 59||3%|
|60 to 64||3.6%|
|65 to 69||4.1%|
|70 to 74||4.6%|
|75 and up||5%|
From that point on, the
GLWB protected value – Opens a tooltip will be used instead of the value of your initial deposit. This value will not drop if the markets do, and could even increase with resets and bonuses.
Income increases: resets and bonuses
Your GLWB protected value, and consequently your retirement income, could increase in the following situations:
|Based on the markets||Incorporates market gains into your income.||Every three years, when the market value is higher than the GLWB protected value.||Your retirement income goes up.|
|Based on your age||Increases your
GLWB withdrawal percentage – Opens a tooltip based on your age.||When there is a market-based reset. |
|Increases the GLWB protected value by between 2.5% and 8%.||
Every year that you don't make a withdrawal.||Your retirement income goes up.|
Capital guaranteed at death
In the event of your death, the value of your contract is 100% guaranteed and will be paid confidentially to your beneficiary within just a few business days.2
This value will also be
reset every three years based on market upturns.
Choice of investment options
Helios2 – 75/100 GLWB gives you access to the full growth potential of the markets:
1. Any withdrawal made before age 55 or exceeding the
GLWB Maximum Amount – Opens a tooltip is considered a
GLWB Excess Withdrawal – Opens a tooltip and decreases the GLWB Protected Value.
2. Conditions apply, including receipt of the appropriate documentation, such as the death certificate. You must name the
Beneficiary – Opens a tooltip or Beneficiaries to whom the
Death Benefit – Opens a tooltip will be payable.
All information presented on this site is for illustration purposes only and is in no way an indication of past performance or future results.
On this site, the reader is both the Contract Owner and the Annuitant. If in your case these are not the same person, please see the Contract and Information Folder.
Click on the underlined terms in green to access their definition. These are defined terms of the Helios2 Contract that can be found in the glossary of the Contract and Information Folder.
Contract and Information Folder (PDF, 3.5 MB) Opens in a new window. contains important information on the Desjardins Financial Security Guaranteed Investment Funds Plan – Helios2 and the DFS Guaranteed Investment Funds. Please note that our defined terms can be found in the Contract and Information Folder. Please read it carefully before investing.
Helios2 is a trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds is a registered trademark owned by Desjardins Financial Security Life Assurance Company. DFS Guaranteed Investment Funds are established by Desjardins Financial Security Life Assurance Company.
DFS stands for Desjardins Financial Security.