Chris Walker Insurance Services

EquiLife Limited Pay Universal Life

EquiLife Limited Pay Universal Life is a participating life insurance plan that combines guaranteed cost of insurance pay periods and guaranteed cash values with the flexibility you have come to expect from a UL plan. With a wide variety of investment options, EquiLife provides a choice when it comes to serving your long-term protection, savings, and investment needs.

EquiLife...Protecting today and tomorrow!

Here are a few of the features and benefits that EquiLife offers:

• Life Insurance Protection: You have the option to choose from four level Limited Pay Cost of Insurance (COI) periods. The COI rates are guaranteed and are payable for the Limited Pay COI period selected.
  • Level COI for 10 Years
  • Level COI for 15 Years
  • Level COI for 20 Years
  • Level COI to Age 65
• Flexibility: EquiLife provides you with the flexibility to design a life insurance plan specifically tailored to meet your personal, family, or business protection needs. With EquiLife you can feel secure knowing you have the flexibility to make changes* to your insurance plan as your needs change including, increases or decreases to the Sum Insured and changes to the COI type. (*subject to Equitable Life's then current administrative rules and underwriting)
• Guaranteed Values: Guaranteed Cash Values are also available as early as the 5th Policy Anniversary.
• Savings and Investment Opportunities: EquiLife offers a wide range of tax-deferred savings and investment opportunities designed to meet the unique needs of each client. Choose from the following Investment Interest Accounts:
  • Daily Interest Account
  • Guaranteed Deposit Accounts (1, 5, & 10 year)
  • Linked Interest Options*
    • Index Interest Options:
      • Canadian Equity Index Interest Option
      • Equity Index Interest Option
      • U.S. Technologies Index Interest Option
      • European Index Interest Option
      • U.S. Blue Chip Index Interest Option
    • Performance Fund Interest Options:
      • Fund Interest Option - Global
      • Performance Fund Interest Option - Canadian
      • Performance Fund Interest Option - Canadian Bond
      • Performance Fund Interest Option - Global Fixed Income
      • Performance Fund Interest Option - Canadian Value Stock
      • Performance Fund Interest Option - Large Cap Canadian Equity
      • Performance Fund Interest Option - Global Balanced
    • Portfolio Interest Options:
      • Diversified Income Portfolio Interest Option
      • Balanced Income Portfolio Interest Option
      • Balanced Growth Portfolio Interest Option
      • Growth Portfolio Interest Option
      • Global Growth Portfolio Interest Option
      • Maximum Growth Portfolio Interest Option
• Tax Deferred Growth: You can enjoy the tax-deferred growth of the savings and investment component offered by your EquiLife policy. EquiLife allows the savings and investment interest to accumulate on a tax-deferred basis up to maximums as set out in the Income Tax Act (Canada).
• Cash Accessibility: As your circumstances change, you will be pleased to know that your EquiLife policy provides you access to the accumulated cash value should you need it. Whether it is used for an emergency or to take a well deserved vacation, the accumulated cash is there! With EquiLife, you can access the cash through withdrawals and/or policy loans. It is important to note that restrictions may apply.
• Creditor Protection: No one plans for financial upsets down the road, however; your EquiLife Universal Life insurance policy may be protected from claims of the creditors of the policy owner, subject to certain conditions. It is important to note that any funds held in the Shuttle Account due to exempt testing would not be creditor protected.
• Protection against Critical Illness: Should you choose to add, at issue, an EquiLiving Critical Illness Rider under the EquiLife plan, you are provided with financial protection in the event you suffer from one of the 25 covered critical conditions and survive the applicable survival period. The EquiLiving Critical Illness insurance rider also offers an Early Detection Benefit, access to the services of Best Doctors and automatic Return of Premiums on Death.
• Additional Riders and Benefits: The optional riders available with EquiLife allow you to customize a comprehensive life insurance plan to compliment your unique financial circumstances.

EquiLife...Protecting today and tomorrow!

*Linked Interest Options are NOT Mutual Funds or Indexes; you are not acquiring units in a mutual or investment fund or other security. You are placing funds on deposit; earning interest, with the general funds of Equitable Life. Performance is not guaranteed. You may be credited positive or debited negative interest depending on the performance of the Mutual Fund or Index being tracked. The Mutual Fund or Index being tracked may change at any time. Linked Interest Option Administration fees may apply.

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Equation Generation IV Universal Life

Equation Generation IV Universal Life combines low-cost life insurance protection with a competitive tax-sheltered savings program to protect you and your family's changing lifestyle.

And your Equation Generation IV policy can be designed for your life.

Equation Generation IV...meeting your Insurance Needs.

Equation Generation IV Universal Life provides you with the ability to customize your insurance plan, with your choice of two plan options...

• Generation IV with Bonus
• Equation Generation IV Low Fees

You can choose from four Death Benefit Options:

• Account Value Protector
• Level Protector
• Premium Protector

You can also choose from three guaranteed Cost of Insurance types*:

• Yearly Renewable Term for Life
• Yearly Renewable Term to age 85
• Level for Life

* Not all Cost of Insurance types are available with all Death Benefit Options

Furthermore, with your Equation Generation IV Universal Life insurance policy, you can increase your coverage or decrease your coverage as you need, subject to our current administrative rules and underwriting.

Equation Generation IV Universal Life Insurance...maximizing your Savings

There's no better time to start saving than now! With Equation Generation IV, you have a wide range of investment opportunities that you have control over. Equation Generation IV provides you with the following tax-sheltered1 Savings and Investment Opportunities:

• Daily Interest Account
• Guaranteed Deposit Accounts (1, 5, and 10 year)
• Linked Interest Options2
  • Index Interest Options:
    • Canadian Equity Index Interest Option
    • American Equity Index Interest Option
    • U.S. Technologies Index Interest Option
    • European Index Interest Option
    • U.S. Blue Chip Index Interest Option
  • Performance Fund Interest Options:
    • Fund Interest Option - Global
    • Performance Fund Interest Option - Canadian
    • Performance Fund Interest Option - Canadian Bond
    • Performance Fund Interest Option - Global Fixed Income
    • Performance Fund Interest Option - Canadian Value Stock
    • Performance Fund Interest Option - Large Cap Canadian Equity
    • Performance Fund Interest Option - Global Balanced
  • Portfolio Interest Options:
    • Diversified Income Portfolio Interest Option
    • Balanced Income Portfolio Interest Option
    • Balanced Growth Portfolio Interest Option
    • Growth Portfolio Interest Option
    • Global Growth Portfolio Interest Option
    • Maximum Growth Portfolio Interest Option

It is important to remember that the tax-sheltering room available with your Equation Generation IV policy varies depending on the level of insurance coverage you select.

With the Calibrator® Option available on Equation Generation IV, you can take full advantage of the tax-exempt room available within your policy, maximizing your cash accumulation! To provide further protection for your tax-sheltered investments in volatile times, you can specify the percentage of the total reduction that you would like applied to your Sum Insured at the time you request the Calibrator® Option to be started. This percentage can be of any amount, and you can change your chosen percentage reduction in the future!

1 Subject to maximums as prescribed in the Income Tax Act (Canada)

2 Linked Interest Options are NOT Mutual Funds or Indexes; you are not acquiring units in a mutual or investment fund or other security. You are placing funds on deposit; earning interest, with the general funds of Equitable Life®. Performance is not guaranteed. You may be credited positive or debited negative interest depending on the performance of the Mutual Fund or Index being tracked. The Mutual Fund or Index being tracked may change at any time. Linked Interest Option Administration fees will apply.

Equation Generation IV...offers Critical Illness Protection

EquiLiving Critical Illness Insurance riders, if elected, can provide you with a lump sum benefit in the event you are diagnosed with and survive the applicable survival period for one of the 25 covered conditions as defined in the rider contract. The lump sum benefit is paid to the person insured under the rider, not to his or her heirs. And you may use your benefit however you wish.

Also included with the EquiLiving Critical Illness Insurance rider is an Early Detection Benefit providing you with a lump sum of up to $25,000 if you are diagnosed with and survive the applicable survival period for one of four non life-threatening conditions:

• Early Prostate Cancer
• Ductal Breast Cancer
• Superficial Malignant Melanoma
• Coronary Angioplasty

And the EquiLiving Critical Illness Insurance rider also provides you with access to the services of Best Doctors®. At claim time, the best medical advice, the best doctors, personalized service, and access to the best medical treatment centres-worldwide-is just a phone call away. EquiLiving.Protection when it's critical and Best Doctors...Information when it matters most!

Equation Generation IV...adding up the Benefits

Equation Generation IV Universal Life provides you and your family with the security of life insurance protection, the opportunity for tax-sheltered cash accumulation, plus the flexibility you need.

• Low cost Insurance Protection
• Insure one or more lives
• Flexibility to change your premium payments, insurance coverage, and savings opportunities
• Cash Accessibility
• Guaranteed Investment Bonus for Equation Generation IV with Bonus option
• Multiple Rider and Benefit options
  • Term and Spousal Term Riders
  • Children's Protection Rider
  • EquiLiving Critical Illness Insurance Riders
• Disability Benefit Disbursement
• Bereavement Counseling Benefit

Equation Generation IVDesigned by you...Designed for your life®

Best Doctors trademarks and logos are trademarks or registered trademarks of Best Doctors, Inc. in the U.S. and other countries, and are used under license.

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