Retirement income protection

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 benefitDeath BenefitGuaranteed Lifetime Withdrawal Benefit (GLWB)The right choice if…
75 %
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.

Helios2 – 75/100 GLWB video

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June 20, 2014(2 min 24 s)

You want to keep doing the things you love after you retire, but you worry about outliving your savings.

You can lay that worry to rest and simplify your retirement. When you choose Helios2 – 75/100 GLWB, your retirement income is guaranteed for life, meaning it will never go down, and may even go up.

Your income is based on your age when you make your first withdrawal. Your age determines what percentage of your contract's protected value you can withdraw every year. Then, no matter how long you live, even if the markets drop, you'll still be able to withdraw this amount every year.

And in the event of your death, your beneficiary would be entitled to the guaranteed value of your contract : which means at least 100% of your deposits, minus an adjustment for any withdrawals you've made, regardless of market downturns. Getting back to your retirement income, there are two ways it can go up: resets based on market value and bonuses.

Let's look at resets first. Your contract can appreciate in value based on market performance. Resets let you incorporate these gains into your income so you don't lose them. Resets occur every three years, provided the market value is higher than the protected value of your contract. Each reset increases your guaranteed income for life.

The other way your income can go up is through bonuses. You can obtain bonuses every year that you don't make a withdrawal. Bonuses increase the value used to calculate your retirement income, and consequently your guaranteed income for life. If you're a few years away from retirement, it's a good way to reach the level of income you're looking for.

In short, no matter how long you live, Helios2 – 75/100 GLWB allows you to keep doing the things you love, even if the markets drop. Your retirement income is guaranteed for life and could even go up due to resets and bonuses.

To find out more, contact your representative!

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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 withdrawalGLWB withdrawal percentage (one Annuitant)
55 to 593%
60 to 643.6%
65 to 694.1%
70 to 744.6%
75 and up5%

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:

ResetsHowHow oftenResult
Based on the marketsIncorporates 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 ageIncreases your GLWB withdrawal percentage – Opens a tooltip based on your age.When there is a market-based reset.

HowHow oftenResult
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.

The Contract and Information Folder (PDF, 2.8 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.