Guarantee your income for life.

1. Is it right for you? L o n d o n L i f e S e g r e g at e d f u n d S p o L i c i e S
The lifetime income benefit is just
one component of a well-diversified London Life lifetime Lifetime income benefit
retirement income portfolio.
It’s appropriate for people:
income benefit option
• Getting ready to retire and retirees looking Guarantee your income for life
for secure, predictable, guaranteed income
For years your focus has been to save Information at your finger tips
• Age 50 and under age 91 for retirement. Now you need innovative Visit lifetimeincome.londonlife.com
• Who do not already have guaranteed solutions to help you transition your for more information about the
retirement income from government hard-earned savings into income that features and advantages of the lifetime
benefits, company pension plans
will last your lifetime. You also need income benefit.
or life annuities
to protect your savings against three
retirement risks:
For more information about London Life
and its products, visit www.londonlife.com.
Longevity risk
You might outlive your money.
Work with your financial security Market return risk A description of the key features of the
You could experience poor market segregated fund policy is contained in the Guarantee your income for life
advisor to develop a savings and information folder.
returns in the early retirement years,
income plan that’s appropriate increasing the chances you’ll use all Any amount that is allocated to a
segregated fund is invested at the risk
your savings sooner than you planned.
for you. He or she can show you of the policyowner and may increase or
decrease in value.
how the lifetime income benefit Inflation risk
may help you to meet your Your retirement savings might not earn
enough to keep up with inflation.
retirement goals.
GUARANTEES PROTECTION STRENGTH
London Life and design are trademarks of
The London Life Insurance Company. 46-7677-10/11

2. The London Life lifetime income benefit helps you manage risks in
retirement and protect your savings. The lifetime income benefit can
help provide:
• Predictable, guaranteed income for life, beginning as early as age 50
• The potential for increasing income
• A safe transition from savings to income
With the lifetime income benefit, you’re guaranteed income for life whether you
live to 85, 105 or beyond. Your income will not decrease, regardless of how the
segregated funds perform. Even if the market value of your policy drops to $0,
you are guaranteed to continue receiving payments for the rest of your life.
Age used to Income
calculate income percentage
50 to 54 4.00%
Guaranteed income for life Five per cent annual Income resets
55 to 59 4.25%
No matter how long you live deferral bonus Increase your lifetime income
The London Life lifetime income benefit: Increase your lifetime income amount
60 to 64 4.50%
With the lifetime income benefit, you are eligible to As policy values increase, you have the potential
65 to 69 5.00% • Offers predictable, guaranteed income for life1 to secure those gains to increase your lifetime
earn a five per cent deferral bonus every year until
• Starts as early as age 50 unlike other policies that you make a withdrawal. If you don’t need to take income amount. Your lifetime income amount will
70 to 74 5.25%
don’t start distributing income until age 65 an income right away, the deferral bonus can help not decrease, regardless of how the segregated
75 and older 6.00% you grow your lifetime income amount even when funds perform.
• Provides a lifetime income amount based on your
age – you are eligible for higher income payments markets are down.
Key features of income resets
as you get older For example: If you contribute a premium of
With the lifetime When you add the lifetime income benefit, your $200,000 to your policy and defer income for
• Income resets can occur every three years
• Lifetime income amount will increase when
income benefit, you’re eligible lifetime income amount is the market value 10 years, your lifetime income withdrawal base
a reset is applied
of your policy multiplied by the income percentage will have a minimum value of $300,000 because of
guaranteed income for that corresponds with your current age (or your deferral bonuses. • Resets are available for the life of the policy
spouse, if applicable). Important: Deferral bonuses are not a guaranteed
life whether you live The percentage used to calculate the lifetime rate of return. They have no cash value and do not Secure growth with automatic
to 85, 105 or beyond. income amount increases with age. increase any applicable maturity or death benefits income resets
guarantee. Deferral bonuses increase your eligible
You may be able to increase your income through Once your lifetime income withdrawal base
lifetime income amount.
deferral bonuses and resets. increases, it is guaranteed for life – regardless
of any future down markets, assuming no excess
1
Excess withdrawals will decrease the annual guaranteed
income amount and you will no longer be eligible for any withdrawals are made.
future bonuses. An excess withdrawal is a withdrawal that
exceeds the annual guaranteed income amount.