Structuring a Performax Gold illustration as a 10-pay solution using the Cost for 15 year guaranteed paymentduration with Deposit Option underscores Performax Gold’s built-in stability in the event of declining rates. Even ifrates decline, the payment period for a 10-pay solution will never exceed 10 years.The same cannot be said of some of our competitors’ products. As you can see below, because the shortestguaranteed payment duration offered by the competitors is 20 years, using a 10-pay solution on this structure makes it more sensitive to changes in rates than Performax Gold. Should dividend interest rates decline due to aprolonged period of low interest rates such as the one we are experiencing, the number of annual payments forcompetitive plans could be as high as 20. Your client’s Performax Gold policy, on the other hand, would still require only 10 payments

1. THIS INFORMATION IS FOR ADVISOR USE ONLY. IT IS NOT INTENDED FOR CLIENTS.
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The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Product Matters October 2014
For clients looking for a 10-pay whole life solution, Performax
Gold is the answer
Structuring a Performax Gold illustration as a 10-pay solution using the Cost for 15 year guaranteed payment
duration with Deposit Option underscores Performax Gold’s built-in stability in the event of declining rates. Even if
rates decline, the payment period for a 10-pay solution will never exceed 10 years.
The same cannot be said of some of our competitors’ products. As you can see below, because the shortest
guaranteed payment duration offered by the competitors is 20 years, using a 10-pay solution on this structure
makes it more sensitive to changes in rates than Performax Gold. Should dividend interest rates decline due to a
prolonged period of low interest rates such as the one we are experiencing, the number of annual payments for
competitive plans could be as high as 20. Your client’s Performax Gold policy, on the other hand, would still
require only 10 payments.
Male 50, NS, 10 payments of $25,000
Number of payments required at:
Product Current
rates
Current
less 1%
Current
less 2%
Current
less 3%
0% / No dividends
Performax Gold 15-pay 10 10 10 10 10
Sun Par Protector 20-pay 10 10 11 N/A 20
Sun Par Accumulator 20-pay 10 12 14 N/A 20
Canada Life Estate Achiever
20-pay
10 10 10 N/A 20
Canada Life Wealth
Achiever 20-pay
10 13 14 N/A 20
Current rates: Performax Gold 6.25% / Sun Par 6.75% / Canada Life Achiever 6.5%
For illustration purporses only. Scenarios involve using Paid-Up insurance, and making maximum use of each insurers‘ deposit option room. This information is believed to
be accurate at the time of publication. There may be differences in the features of these products and in-depth content has not been included because this is an overview –
full details can be obtained in the applicable contract for the products represented. All information is presented as of October 2014.
Which scenario would you want to explain to your client should dividend interest rates/performance credit rates
fall below illustration levels?
Performax Gold’s 10-pay solution on a 15-pay option: stable and predictable