Standard Life has temporarily suspended new sales of Ideal Income Series effective April 16, 2012. If you are already an Ideal Income Series client, you will receive a letter about what this means to you. You may also wish to contact your advisor.
You can combine the Ideal 75/100 and/or the Ideal 100/100 Series with the Ideal Income Series for an all-in-one solution to help you achieve your goals. Ask your advisor how you can create a retirement solution that is truly customized to your needs.
| Ideal 75/100 Series | Ideal 100/100 Series | Ideal Income Series | |
|---|---|---|---|
| Maturity Benefit Guarantee | |||
| Base capital protection |  |
— | — |
| Full capital protection | — | | — |
| Full income protection | — | — | |
| Death Benefit Guarantee1 | |
| |
| Payout Benefit Guarantee2 | |
| — |
| Income for life | — | — | |
| Dollar-for-dollar reduction of Payout Benefit Guarantee2 for scheduled income payments on registered retirement income plans | |
| — |
| Bonus | — | — | |
| Resets | |
| |
| Joint life option3 | |
| |
| Flexibility | |
| |
| Potential for creditor protection4 | |
| |
| Ease of estate planning | |
| |
| Opportunities to bypass probate fees5 | |
| |
| Assuris protection6 | |
| |
| Sigma Assistel7 | |
| |
1 100% Death Benefit Guarantee. If the annuitant is age 80 or over when the first premium is allocated to the series, the Death Benefit Guarantee is 75%. On registered plans (RRSP/RRIF), the owner is also the annuitant. On non-registered plans, you can designate someone else as the annuitant (or person insured under the series) and the Death Benefit Guarantee will be payable on that person’s death.
2 This feature may not apply if contract is held in a nominee plan. Please refer to the Information Folder for more details.
3 Available on non-registered plans only.
4 Consult with a legal advisor to find out if you qualify for creditor protection. This feature may also not apply if your contract is held in a nominee plan. Please refer to the Information Folder for more details.
5 In Quebec, notarial wills don't need to be probated. Probate fees are minimal for both holograph wills and wills made in the presence of witnesses.
6 The Standard Life Assurance Company of Canada is a member of Assuris. Details about the extent of Assuris’ protection are available at www.assuris.ca or in its brochure, which can be obtained from your advisor or from Assuris by email at info@assuris.ca or by calling 1-866-878-1225.
7 Sigma Assistel is a telephone assistance service you can call for non-financial information and support, 24 hours a day, 7 days a week.
A description of the key features and the terms and conditions are available in the Ideal Segregated Funds - Signature Series Information Folder and Contract.
