EMPIRE LIFE RETAIL INSURANCE RATES OF RETURN AND VALUES
Interest rates effective as of February 29, 2016
TRILOGY and TRILOGY PLUS Guaranteed Interest Rates
Daily
1 Year
2 Year
3 Year
4 Year
5 Year
10 Year4
20 Year4
Prior to May 10, 2004
0.250%
0.250%
0.250%
0.250%
0.300%
0.900%
0.900%
0.900%
Between May 10, 2004 and June 29, 2007
0.250%
0.250%
0.250%
0.250%
0.300%
0.900%
3.000%
3.250%
Between July 2, 2007 and February 14, 2011
0.250%
0.250%
0.250%
0.250%
0.300%
0.900%
2.500%
2.875%
Policy Issue Periods
Between February 15, 2011 and June 29, 2012
0.250%
0.250%
0.250%
0.250%
0.300%
0.900%
2.500%
2.500%
Current Version (after June 29, 2012)
0.250%
0.250%
0.250%
0.250%
0.300%
0.900%
1.750%
1.750%
ESTATEMAX
Dividend On Deposit (Cash Accumulation)
Premium On Deposit (Side Account)
Daily
1 Year
-
4.00%
0.90%
-
OPTIMAX2 & OPTIMAX III Guaranteed Interest Rates
Daily
1 Year
2 Year
3 Year
4 Year
5 Year
6 Year
10 Year
0.250%
0.800%
1.200%
1.250%
1.300%
1.900%
1.900%
1.900%
2
TRILOGY & OPTIMAX Index Options
Rate of Return (%) as of Jan 31, 2016
Unit
10
15
Since
Year to
Inception
Year
Year
Inception
Date
Date
5.24
-0.75
Jan 1, 1995
2.39
-2.50
Jan 1, 1995
-2.58
May 31, 1997
3.19
0.09
May 31, 1997
3.21
-1.62
Apr 30, 2004
NA
3.73
-3.81
Apr 30, 2004
3.17
NA
3.06
-0.90
Apr 30, 2004
4.15
2.96
NA
5.28
-1.85
Apr 30, 2004
-0.06
-3.20
0.94
NA
3.90
-3.85
Apr 30, 2004
7.34
6.19
4.25
NA
NA
1.39
-1.20
Oct 31, 2006
12.18
15.42
14.37
7.47
NA
NA
1.14
-4.02
Oct 31, 2006
-2.27
3.49
4.22
3.97
3.15
2.03
NA
2.21
-0.79
Oct 31, 2005
-2.21
3.80
5.09
4.78
3.15
1.72
NA
2.06
-1.28
Oct 31, 2005
-2.77
-2.14
4.24
6.14
5.79
3.63
1.47
NA
1.99
-1.67
Oct 31, 2005
-4.62
-3.55
-2.31
4.15
6.58
6.15
3.52
1.30
NA
1.99
-1.97
Oct 31, 2005
-2.41
-5.34
-4.16
-2.24
4.48
7.66
7.14
3.84
1.16
NA
2.07
-2.44
Oct 31, 2005
-6.02
-4.66
-10.36
-5.50
-4.27
1.72
7.75
8.27
2.80
-1.73
-2.86
-3.22
-6.02
Sep 30, 2000
-1.22
-4.97
-11.49
-14.80
-11.91
-1.97
1.29
1.65
-0.62
0.92
1.56
0.77
-1.22
Sep 30, 2000
10.67
-3.54
0.22
-0.88
7.45
6.78
16.38
21.15
18.97
15.25
5.55
0.93
0.51
-3.54
Sep 30, 2000
American Growth & Technology Index Option
7.76
-5.45
-1.67
-0.85
10.18
10.89
20.43
26.42
21.20
17.84
8.64
-0.04
-2.20
-5.45
Sep 30, 2000
European Equity Index Option
4.31
-5.70
-6.27
-11.74
-7.16
-6.35
-1.64
5.01
6.79
-0.23
-3.85
-5.26
-5.05
-5.70
Sep 30, 2000
Canadian Bond Index Option
15.30
0.16
0.88
-1.38
-1.06
-3.56
1.92
0.99
0.57
1.92
2.14
2.69
2.84
0.16
Sep 30, 2000
Japanese Equity Index Option
5.63
-7.20
-2.26
-7.38
1.00
3.39
8.89
15.21
11.81
7.04
-0.65
-2.03
-3.37
-7.20
Sep 30, 2000
Value
1 Mo
Managed Indexed Accounts
Indexed Asset Allocation Investment Option
29.23
-0.75
1.35
0.49
2.56
4.51
9.05
10.41
8.71
6.79
3.05
3.84
Indexed Global Equity Investment Option
15.91
-2.50
-0.72
-5.51
1.74
2.22
10.00
14.80
15.14
9.62
0.61
-0.89
Indexed Elite Equity Investment Option
24.52
-2.58
-2.56
-5.12
-3.80
-0.61
6.28
9.80
8.89
6.17
2.48
3.91
4.80
Indexed Bond Investment Option
18.06
0.09
1.08
-1.27
-0.63
-2.37
2.61
1.89
1.72
2.53
2.54
2.93
Indexed Balanced Investment Option
14.50
-1.62
-1.22
-3.75
-2.78
-3.89
2.07
3.88
3.88
3.38
1.92
NA
Indexed American Value Investment Option
15.39
-3.81
-0.97
-5.99
2.40
2.63
13.48
17.96
16.60
12.54
4.35
Indexed Income Investment Option
14.26
-0.90
-0.28
-2.72
-1.95
-3.54
2.10
2.64
2.62
2.88
Indexed Dividend Growth Investment Option
18.31
-1.85
-3.58
-5.88
-6.07
-5.54
1.67
5.68
5.78
Indexed Small Cap Equity Investment Option
15.69
-3.85
-1.35
-6.56
-7.98
-5.11
-0.92
1.15
Indexed Canadian Equity Investment Option 1
11.36
-1.20
-3.06
-4.46
-5.93
-1.65
4.58
Indexed Global Smaller Companies Investment Option1
11.11
-4.02
1.82
-0.06
10.16
10.65
Indexed Conservative Portfolio Investment Option
12.46
-0.79
-0.35
-2.75
-1.86
Indexed Balanced Portfolio Fund Investment Option
12.25
-1.28
-0.79
-3.41
-2.33
Indexed Moderate Growth Portfolio Fund Investment Option
12.14
-1.67
-1.36
-4.04
Indexed Growth Portfolio Fund Investment Option
12.11
-1.97
-1.86
Indexed Aggressive Growth Portfolio Fund Investment Option
12.15
-2.44
Eurasian Equity Index Option
4.67
Canadian Equity Index Option
15.08
American Equity Index Option
3 Mo
6 Mo
9 Mo
1 Year
2 Year
3 Year
4 Year
5 Year
Managed Portfolio Indexed Accounts
Market Indexed Accounts
Rates are subject to change at any time. Please confirm with Sales and Marketing Centres.
Empire Life will endeavour to ensure the information presented is accurate and update, but will not be held liable for inaccuracies. While results are based on the past
performance of the funds, they are not necessarily indicative of future results.
® Registered trademark of The Empire Life Insurance Company. Policies are issued by the Empire Life Insurance Company.
Page 1 of 3
EMPIRE LIFE RETAIL INSURANCE RATES OF RETURN AND VALUES
Interest rates effective as of February 29, 2016
C2000 & OPTIMAX II Indexed Options3
Rate of Return (%) as of Jan 31, 2016
Unit
Value
10
15
Since
Year to
1 Mo
3 Mo
6 Mo
9 Mo
1 Year
2 Year
3 Year
4 Year
5 Year
Year
Year
Inception
Date
Date
2.56
4.51
9.05
10.41
8.71
6.79
3.05
3.84
5.24
-0.75
Jan 1, 1995
Inception
Indexed Asset Allocation Investment Option
29.23
-0.75
1.35
0.49
Indexed Global Equity Investment Option
15.91
-2.50
-0.72
-5.51
1.74
2.22
10.00
14.80
15.14
9.62
0.61
-0.89
2.39
-2.50
Jan 1, 1995
Indexed Elite Equity Investment Option
24.52
-2.58
-2.56
-5.12
-3.80
-0.61
6.28
9.80
8.89
6.17
2.48
3.91
4.80
-2.58
May 31, 1997
Indexed Bond Investment Option
18.06
0.09
1.08
-1.27
-0.63
-2.37
2.61
1.89
1.72
2.53
2.54
2.93
3.19
0.09
May 31, 1997
Inception
Underlying Index Values
Rate of Return (%) as of Jan 31, 2016
Unit
10
15
Since
Year to
1 Mo
3 Mo
6 Mo
9 Mo
1 Year
2 Year
3 Year
4 Year
5 Year
Year
Year
Inception
Date
Date
998.72
0.39
1.63
0.08
1.16
-0.67
4.97
4.02
3.59
4.98
5.13
5.79
7.59
0.39
Jan 1, 1995
Value
Scotia Capital Universe Bond Index
754.85
-1.27
-4.99
-11.55
-14.86
-11.95
-1.97
1.23
1.57
-0.62
1.16
2.07
5.26
-1.27
Jan 1, 1995
S&P 500 Index
5113.99
-3.32
0.98
0.61
9.85
9.98
19.87
24.78
22.55
18.71
8.72
3.97
9.86
-3.32
May 31, 1997
Nasdaq 100 Index
4279.17
-6.84
-7.95
-6.75
-3.06
3.15
4.54
16.17
14.60
13.35
8.14
0.64
12.30
-6.84
May 31, 1997
Dow Jones Euro Stoxx 50 Index
4609.02
-6.12
-6.33
-10.98
-6.00
-4.31
0.94
7.99
9.80
2.63
-1.07
-2.44
4.65
-6.12
Apr 30, 2004
144.61
-8.68
-8.59
-12.97
-11.36
-3.87
-0.53
5.99
5.70
2.95
-1.18
-1.39
-1.36
-8.68
Apr 30, 2004
FTSE 100 Index
8665.75
-5.78
-11.70
-17.16
-18.81
-14.75
-10.02
-4.51
-0.92
-1.62
-2.99
-3.06
2.38
-5.78
Apr 30, 2004
S&P/ASX 200 Index1
3545.91
-8.15
-5.19
-14.86
-22.45
-18.25
-11.67
-11.33
-5.98
-5.66
-1.84
1.71
3.57
-8.15
Apr 30, 2004
Hang Seng Stock Index
2527.92
-10.60
-13.46
-20.45
-30.35
-20.04
-5.62
-6.17
-1.09
-3.45
0.85
-1.34
7.12
-10.60
Apr 30, 2004
S&P/TSX 60 Index
Nikkei 225 Stock Average
PRODUCT NOTES
OPTIMAX PLUS
1.150% Daily Interest Rates
OPTIMAX II
1.150% Portfolio Investment Option Rate
1
2
3
4
Available only to Trilogy policies
Refers to Optimax policies on or after October 11, 2005
Rates of return are net of investmennt management fees
For applications received on or after May 10, 2004; the minimum interest rate guarantees will apply to the 10-year and 20-year GIOs. The 10-year guaranteed minimum interest rate is 3.00%. The 20-year guaranteed minimum interest rate is 3.25%.
Effective July 2, 2007, the 10-year guaranteed minimum interest rate will be 2.50% and the 20-year guaranteed minimum interest rate will be 2.875% for policies issued July 1, 2007 to February 14, 2011. For policies issued after February 14th, 2011 the 10 year
and 20 year minimum guarantee will both be 2.50%. For policies issued after June 29th, 2012 the 10 year and 20 year minimum guarantee will both be 1.75%. In the interim, these interest rates may be applied to policies subject to Large Case Quote Review.
Rates are subject to change at any time. Please confirm with Sales and Marketing Centres.
Empire Life will endeavour to ensure the information presented is accurate and update, but will not be held liable for inaccuracies. While results are based on the past
performance of the funds, they are not necessarily indicative of future results.
® Registered trademark of The Empire Life Insurance Company. Policies are issued by the Empire Life Insurance Company.
Page 2 of 3
EMPIRE LIFE RETAIL INSURANCE RATES OF RETURN AND VALUES
Interest rates effective as of February 29, 2016
CONCORD Guaranteed Interest Rates
Daily
3 Year
5 Year
10 Year
Standard
0.250%
0.350%
0.350%
0.350%
Self-Admin RRSPs
0.250%
0.350%
0.350%
0.350%
0.250%
Excess Deposit Amount
CONCORD Segregated Funds5
Rate of Return (%) as of Jan 31, 2016
Valuation
Unit
Date
Value
10
15
20
Since
Year to
1 Mo
3 Mo
6 Mo
9 Mo
1 Year
2 Year
3 Year
4 Year
5 Year
Year
Year
Year
Inception
Date
Date
2.58%
2.45%
3.30%
3.34%
3.84%
4.07%
3.19%
0.08%
Jun 1, 1992
Inception
Feb-26
20.29
0.08%
1.05%
-1.30%
-0.69%
-1.71%
3.35%
Balanced Fund
Feb-26
27.58
-1.70%
-1.33%
-4.12%
-3.44%
-1.15%
4.72%
6.51%
5.90%
4.66%
3.14%
4.58%
6.13%
5.16%
-1.70%
Oct 6, 1995
Equity Fund
Feb-26
38.06
-2.71%
-2.82%
-5.58%
-4.53%
-0.04%
6.85%
10.38%
9.40%
6.84%
3.40%
5.07%
7.64%
4.81%
-2.71%
Jun 1, 1992
Special Growth Fund
Feb-26
48.56
-3.89%
-1.62%
-7.05%
-8.68%
-0.11%
0.06%
0.07%
0.11%
0.13%
0.98%
1.42%
2.00%
7.25%
-3.89%
Jun 1, 1992
Inception
Bond Fund
CONCORD Index Options6
Rate of Return (%) as of Jan 31, 2016
Valuation
Unit
Date
Value
10
15
20
Since
Year to
1 Mo
3 Mo
6 Mo
9 Mo
1 Year
2 Year
3 Year
4 Year
5 Year
Year
Year
Year
Inception
Date
Date
1.72%
7.75%
8.27%
2.80%
-1.73%
-2.86%
NA
-0.34%
-6.02%
May 31, 1996
Feb-26
4.39
-6.02%
-4.66%
-10.36%
-5.50%
-4.27%
TSX Index Interest Option
Feb-26
15.02
-1.22%
-4.97%
-11.49%
-14.80%
-11.91%
-1.97%
1.29%
1.65%
-0.62%
0.92%
1.56%
4.04%
4.31%
-1.22%
Nov 30, 1989
U.S. Stock Index Interest Option
Feb-26
10.31
-3.54%
0.22%
-0.88%
7.45%
6.78%
16.38%
21.15%
18.97%
15.25%
5.55%
0.93%
NA
3.92%
-3.54%
May 31, 1996
U.S. New Economy Index Interest Option
Feb-26
7.38
-5.45%
-1.67%
-0.85%
10.18%
10.89%
20.43%
26.42%
21.20%
17.84%
8.64%
-0.04%
NA
-1.60%
-5.45%
May 31, 2000
European Index Interest Option
Feb-26
4.02
-5.70%
-6.27%
-11.74%
-7.16%
-6.35%
-1.64%
5.01%
6.79%
-0.23%
-3.85%
-5.26%
NA
-5.23%
-5.70%
May 31, 2000
Canadian Bond Index Interest Option
Feb-26
15.30
0.16%
0.88%
-1.38%
-1.06%
-3.56%
1.92%
0.99%
0.57%
1.92%
2.14%
2.71%
NA
2.81%
0.16%
Sep 30, 2000
Japanese Index Interest Option
Feb-26
5.31
-7.20%
-2.26%
-7.38%
1.00%
3.39%
8.89%
15.21%
11.81%
7.04%
-0.65%
-2.03%
NA
-3.68%
-7.20%
Sep 30, 2000
World Index Interest Option
PRODUCT NOTES
CONCORD INDEX OPTIONS
5
6
Rates of return are net of investment management fees.
The US Stock Index Interest Option was modified on July 10, 2000, and the World Index Interest Option was modified on Sept. 6, 2000, with each being modified to
include currency exchange in the net return. Returns for the periods prior to these dates are not adjusted for changes in currency exchanges.
Rates are subject to change at any time. Please confirm with Sales and Marketing Centres.
Empire Life will endeavour to ensure the information presented is accurate and update, but will not be held liable for inaccuracies. While results are based on the past
performance of the funds, they are not necessarily indicative of future results.
® Registered trademark of The Empire Life Insurance Company. Policies are issued by the Empire Life Insurance Company.
Page 3 of 3