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DATE: CATEGORY: TO: SUBJECT: No. 2015-16 APRIL 7, 2015 INVESTMENTS Managing General Agents, Associate General Agents, Brokers, General Agents and National Accounts Launch of new GIF 75/75 series and new Monthly Income GIF ----------------------------------------------------------------------------------------------------------------------------------- We are pleased to announce the following additions to our suite of investment products built on simplicity and choice. They are available for sale effective April 20, 2015, pending regulatory approval. Launch of new 75/75 series Launch of new segregated fund Resources Empire Life GIF 75/75 series: • Automatic annual death benefit guarantee resets until age 80 – unique in the industry! • Maximum issue age 80 – maximum deposit age 90 • Emblem GIF Portfolios, a tactically managed program offering enhanced trailer commissions • Full range of investment options, including 100% equity Empire Life Monthly Income GIF: • Diverse sources of yield includes government bonds, investment grade bonds, high yield bonds, preferred shares, investment trusts and dividend-paying common stocks • Balanced mandate with neutral asset mix of 45% fixed income and 55% equity - seeks to provide investors with diversification and reduced volatility • Available in all GIF series (75/75, 75/100, 100/100) and Class Plus 2.1, our GWB Visit Launch Central to find complete details about these additions, including point of sale and marketing materials. A frequently asked questions document is attached. Reference Julie Yoshikuni, Vice-President, Retail Investment Products and Marketing ® Registered Trademark of The Empire Life Insurance Company Policies are issued by The Empire Life Insurance Company Information Circular 2015-16 Page 1 of 3 FOR ADVISOR USE ONLY FREQUENTLY ASKED QUESTIONS Q: What point of sale materials should I use? The chart below outlines the point of sale documents required for our products. You can begin using these documents on April 20, 2015, when our additions become available for sale, pending regulatory approval. Please note that inserts will be used to update the 75/100 application for the launch of the Empire Life GIF 75/75 series. The insert and application must be signed and submitted. The insert will be included when ordering paper copies or when printing from the web site. It is also available at Launch Central so you can update your current supply of applications. If application is being made for the Empire Life GIF 75/100 contract, the insert is not required. Addendums will be used to update the Empire Life GIF 100/100 (INV-942) and Class Plus 2.1 (INV-944) Information Folders for the launch of the Monthly Income GIF. The Addendums will be included when you order the Information Folder. You can update your current supply of Folders by printing off the Addendum at Launch Central. Product Point of Sale documents 75/75 GIF client name • • • • 75/75 GIF nominee • • • • 75/75 GIF TFSA • • • • 75/100 GIF all account types • • • • Use the 75/100 client name application and the 75/75 client name application insert (INV-911 and INV-911A). You can write in the fund code for new Monthly Income GIF. Please destroy your stock of 75/100 information folders. A new, shared 75/75 & 75/100 folder (INV-943) is available. Continue to use the current Fund Facts (INV-941). Use the 75/100 nominee application and 75/75 nominee application insert (INV-912 and INV-912A). You can write in the fund code for new Monthly Income GIF. Please destroy your stock of 75/100 information folders. A new, shared 75/75 & 75/100 folder (INV-943) is available. Continue to use the current Fund Facts (INV-941). Use the 75/100 TFSA application and 75/75 TFSA application insert (INV-913 and INV-913A). You can write in the fund code for new Monthly Income GIF. Please destroy your stock of 75/100 information folders. A new, shared 75/75 & 75/100 folder (INV-943) is available. Continue to use the current Fund Facts (INV-941). There is no change to the 75/100 application. You can write in the fund code for new Monthly Income GIF. Please destroy your stock of 75/100 information folders. A new, shared 75/75 & 75/100 folder (INV-943) is available. Continue to use the current Fund Facts (INV-941). ® Registered Trademark of The Empire Life Insurance Company Policies are issued by The Empire Life Insurance Company Information Circular 2015-16 Page 2 of 3 100/100 GIF all account types • • • • CP2.1 all account types • • • • There is no change to the 100/100 application. You can write in the fund code for new Monthly Income GIF. There is no change to the 100/100 information folder but it will include an addendum for new Monthly Income GIF. Continue to use the current Fund Facts (INV-941). There is no change to the CP2.1 application. You can write in the fund code for new Monthly Income GIF. There is no change to the CP 2.1 information folder but it will include an addendum for new Monthly Income GIF. Continue to use the current Fund Facts (INV-941). Q: Where can I go to find out more information? A: Please contact your Empire Life Investments sales representative or visit Launch Central to access point of sale documents and marketing materials. A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value. ® Registered Trademark of The Empire Life Insurance Company Policies are issued by The Empire Life Insurance Company Information Circular 2015-16 Page 3 of 3