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Rates effective : February 10 2012

Date of last rate change: 2012-02-02

Cash Accumulation Fund - Effective rate: 4.000%
Minimum Deposit scheduled: $1
Minimum Deposit unscheduled: $25

Cash Advances
An annual interest rate of 3.750% will be charged on cash advances granted under policies with a variable rate except for Perspecta. The interest rate charged on cash advances under Perspecta will be 2.000%.

Perspecta Universal Life

Daily Investment Account: 0.000%      Transit Account: 0.750%

Term Investment Accounts

Compound Rate (in %)
1 yr 3 yr 5 yr 10 yr 15 yr 20 yr
0.000 0.000 1.000 2.000 2.000 2.000

Simple Rate (in %)
15 yr This product is no longer available for sale;
rate applies to existing policies only.
3.000

Perspecta Accounts

Rates of Return

Indexed Accounts - Old Accounts  Rates of return (PDF 73KB)
These accounts are no longer for sale, rates apply to existing policies only.

Indexed Accounts - Current Accounts  Rates of return (PDF 72KB)
These accounts are the ones currently on sale with our Perspecta product.

Strategic Asset-Allocation Accounts  Rates of return (PDF 69KB)
These accounts apply to all Perspecta policies.

Managed Accounts - Rates of return (PDF 60KB)
These accounts are the ones currently on sale with our Perspecta product.

Rates and conditions are subject to change without notice.

Please contact your nearest Standard Life Regional Centre for additional product information.