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Let’s talk about… your insurance needs

1.

Which of the following would you say best describes what you want your universal life policy to do for you?





2.

When do you think you might need access to the funds in your universal life policy either for a cash withdrawal, a loan or to use your policy as collateral for a loan?





Note* There are surrender charges involved in accessing funds within a universal life policy, as the plan is not intended to cover short-term needs. Universal life is not an appropriate vehicle for you if you have selected (a) (under 10 years).

3.

What do you think the chance is that you will cash in a significant portion of your universal life policy investment earlier than you originally thought?




4.

Which of the following best describes your level of investment knowledge?






5.

Knowing that investment values go up and down over time, when it comes to your universal life investments, how much of a drop in value over one year could you tolerate before becoming uncomfortable?






6.

Investments with the potential for higher returns also have the greatest variability in their returns. Given this statement, assuming you had a $10,000 investment, please select one of the following gain/loss scenarios that you would be most comfortable with after a five-year investment time period. The gain/loss scenarios below show the range of potential value of the $10,000 investment at the end of the five-year period.

7.

Which of the following best describes your employment status?






8.

Your personal income, before taxes, is in which of the following ranges?






9.

The current value of your investments (i.e., registered, non-registered, TFSA, mutual funds, segregated funds, chequing/savings accounts), excluding real estate, is:






10.

Your current age is within which of the following categories?






Based on your answers, your investment profile is: Moderate

Portfolio breakdown

The savings portion of your Universal Life policy can be directed into Treasury Bill, Fixed-Rate and Index Interest Options. Index Interest options allow you to earn an interest rate linked to a variety of underlying investments.

Suggestions based on your investment profile.

Your managed portfolios:

ivari Cl Balanced Portfolio


ivari Asset Allocation Portfolios

ivari Asset Allocation Portfolio Balanced


The investor profile questionnaire is a tool that allows the advisor and the client to discuss risk tolerance issues. I understand that the results of this questionnaire do not constitute an investment recommendation or allocation by ivari and any of its affiliates or subsidiaries. ivari has developed this questionnaire to assist in developing guidelines for assisting with the suitability of certain options within a universal life policy. This questionnaire does not form part of a contract or policy and should be completed with the assistance of an insurance advisor. All calculations are based on assumptions believed to be reasonable at the time of development. ivari and/or its affiliates are not acting in the capacity of an insurance advisor. ivari and/or its affiliates cannot be held responsible for any damages resulting from the use of this questionnaire by me or any other person.


Share with your advisor today, or contact ivari.

Other Index Investment Options

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Other Index Investment Options
Investment Profile Target Asset Mix Index Interest Options
Income Equities Managed ivari Asset Allocation Portfolios
Conservative 55% - 80% 20% - 45% ivari CI Conservative Portfolio ivari Asset Allocation Portfolio Conservative
Moderate 35% - 55% 45% - 65% ivari CI Balanced Portfolio ivari Asset Allocation Portfolio Balanced
Aggressive 15% - 35% 65% - 85% ivari CI Growth Portfolio ivari Asset Allocation Portfolio Growth
Very Aggressive 0% - 15% 85% - 100% ivari CI Maximum Growth Portfolio ivari Asset Allocation Portfolio Aggressive Growth

Other Index Investment Options

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Other Index Investment Options
Investment Profile Target Asset Mix Index Interest Options
Income Equities Managed ivari Asset Allocation Portfolios
Conservative 55% - 80% 20% - 45% ivari CI Conservative Portfolio
AGF Elements Conservative Portfolio
Franklin Quotential Balanced Income Portfolio
ivari Asset Allocation Portfolio Conservative
Moderate 35% - 55% 45% - 65% ivari CI Balanced Portfolio
AGF Elements Balanced Portfolio
Franklin Quotential Balanced Growth Portfolio
ivari Asset Allocation Portfolio Balanced
Aggressive 15% - 35% 65% - 85% ivari CI Growth Portfolio
AGF Elements Growth Portfolio
Franklin Quotential Growth Portfolio
ivari Asset Allocation Portfolio Growth
Very Aggressive 0% - 15% 85% - 100% ivari CI Maximum Growth Portfolio
AGF Elements Global Portfolio
Franklin Quotential Diversified Equity Portfolio
ivari Asset Allocation Portfolio Aggressive Growth

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You have now completed the My Investment Profile questionnaire. Below you will find a report detailing investment portfolio options based on the information you provided.

This is a good place to start when meeting with your advisor about products that will meet your investment savings needs within a universal life policy.

Investment needs

Objective

To create an estate for my beneficiaries by accumulating wealth that will be transferred tax-free upon death

Personal income

$50,001 - $80,000

Employment

Full-time

Investment knowledge

Some familiarity

Your managed portfolios

ivari CI Balanced Portfolio

AGF Elements Balanced Portfolio

Franklin Quotential Balanced Growth Portfolio

ivari Asset Allocation Portfolios

ivari Index Allocation Portfolio Balanced

ivari Index Allocation Portfolio Balanced

Financial needs

Tolerable drop

1% to 3%

Range of potential value

$9,700 - $17,100

Withdrawals

10 - 15 years

Chance of early cash in

Low

Portfolio breakdown

Investment Profile Target Asset Mix Index Interest Options
Income Equities Managed ivari Asset Allocation Portfolios
Conservative 55% - 80% 20% - 45% ivari CI Conservative Portfolio ivari Asset Allocation Portfolio Conservative
Moderate 35% - 55% 45% - 65% ivari CI Balanced Portfolio ivari Asset Allocation Portfolio Balanced
Aggressive 15% - 35% 65% - 85% ivari CI Growth Portfolio ivari Asset Allocation Portfolio Growth
Very Aggressive 0% - 15% 85% - 100% ivari CI Maximum Growth Porfolio ivari Asset Allocation Portfolio Aggressive Growth
Investment Profile Target Asset Mix Index Interest Options
Income Equities Managed ivari Asset Allocation Portfolios
Conservative 55% - 80% 20% - 45% ivari CI Conservative Portfolio
AGF Elements Conservative Portfolio
Franklin Quotential Balanced Income Portfolio
ivari Asset Allocation Portfolio Conservative
Moderate 35% - 55% 45% - 65% ivari CI Balanced Portfolio
AGF Elements Balanced Portfolio
Franklin Quotential Balanced Growth Portfolio
ivari Asset Allocation Portfolio Balanced
Aggressive 15% - 35% 65% - 85% ivari CI Growth Portfolio
AGF Elements Growth Portfolio
Franklin Quotential Growth Portfolio
ivari Asset Allocation Portfolio Growth
Very Aggressive 0% - 15% 85% - 100% ivari CI Maximum Growth Portfolio
AGF Elements Global Portfolio
Franklin Quotential Diversified Equity Portfolio
ivari Asset Allocation Portfolio Aggressive Growth

* If your investment profile is Very Conservative, you should consider investments with a target mix of 80-100% income and 0-20% equities. You may also want to consider Fixed-Rate Interest Options (1-, 5- and 10-year) or Treasury Bill Interest Options.

Investment income within a universal life policy is interest income; however, all income (within certain limits) is tax deferred.

While universal life is usually a long-term investment vehicle; there are options that allow access to cash in the short term. Please speak with your advisor about these features, including tax and surrender charges considerations with respect to universal life insurance.

ivari is not liable to account to Owners for any revenue which arises from its activities in relation to the policy. ivari, for its own account, generally purchases a wholesale series of the same fund constituting the Designated Index. ivari derives a margin as fees and expenses attributable to a wholesale series are lower than those reflected in the retail series of the Designated Index.

Index Interest Option Fee is guaranteed not to change. Where applicable, the management fees and expenses (MER) and related taxes for the underlying designated index will apply.

The ivari CI Portfolios are managed by CI Investments Inc. on behalf of ivari.

™ivari and the ivari logos are trademarks of ivari Holdings ULC. ivari is licensed to use such marks.