| TRANSAMERICA | C.I. LEGACY FUNDS | ING LIFE | MANULIFE GIF ENCORE | MARITIME LIFE | |
| NUMBER OF FUNDS | 14 funds | 23 funds | 23 funds | More than 45 funds | 15 funds |
| MINIMUM DEPOSITS | $1.000 per policy (S500 per fund! | $1,000 per policy (S500 per fund) | $1,000 per policy, (S500 per fund) | $2,500 per policy (S500 per fund) | $1,000 for registered plans; S5.000 for non-registered plans, S500 for the Capital Accumulator |
| ADDITIONAL LUMP SUM | Minimum S100 | Minimum $100 | Minimum $500 | Minimum $500 | Minimum $500 |
| DEPOSITS BY PRE-AUTHORIZED CHEQUE(PAC) | $50 | $50 | $50 | $100 | $50 (S30 for Capital Accumulator) |
| CONTRACT MATURITY AGE | Age 100 (can open contract until 81st birthday). Age 80 for locked-in RSP, LIRA, LIF (other than Quebec LIF). | Age 100 (can open contract until 81st birthday). Age 80 for locked-in RSP, LIRA, LIF (other than Quebec LIF). | Age 100, with limitations on guarantees | Age 100, with limitations on guarantees | Age 100, with limitations on final 10 years |
| FINAL 10 YEARS OF POLICY | When a deposit maturity date occurs in the final 10 years of the policy, that date will automatically be moved to the policy maturity date | When a deposit maturity date occurs in the final 10 years of the policy, that date will automatically be moved to the policy maturity date | Maximum guarantee of 80% on all deposits after age 80 (extra quarterly fee charged) | Deposits made to a non-registered contract past age 90, the guarantee is reduced to 80% of deposit value | Guarantee drops to 75% on deposits. May be unable to make additional deposits in closing decade (reviewed case by case). |
| MATURITY BENEFIT | 100% guarantee to age 100 | 100% guarantee to age 100 | 75% guarantee. Extra quarterly fee charged to increase guarantee to 100% (to age 80) or to 80% (after age 80). | 100% guarantee. For deposits made to a non-registered contract past age 90, the guarantee is reduced to 80% of deposit value. | 100% guarantee on deposits made before the closing decade; 75% guarantee on deposits during the final decade |
| DEPOSIT MATURITY TIME HORIZON | 10th anniversary of the contract date and thereafter 10th anniversary of the beginning of each policy year in which deposits are made | 10th anniversary of the contract date and thereafter 10th anniversary of the beginning of each policy year in which deposits are made | Each deposit has its own maturity cycle | 10 years after the beginning of each deposit year | 10 years for each deposit. Each deposit considered an individual 10 year contract. |
| DEATH BENEFIT | 100% guarantee | 100% guarantee | 75% guarantee. Extra quarterly fee charged to increase guarantee to 100% (to age 80) or to 80% (after age 80). | 100% guarantee (for non-reg plans only). Reduced to 80% at age 80 (for reg plans). | 100% guarantee on deposits made before the closing decade; 75% guarantee on deposits during the final decade. Some funds excluded from guarantee. |
| RESET OPTION | Up to 6 times per year to age 90 (restricted to age 70 for LIFs in all provinces other than Quebec) | Up to 2 times per year to age 90 (restricted to age 70 for LIFs in all provinces other than Quebec) | Up to 2 times per year | Maturity benefit: Automatic reset every 10 years. Death benefit: Automatic reset at each anniversary date with 4% simple interest minimum growth rate. | Prior to closing decade of contract, the highest market value of each fund automatically becomes the minimum guaranteed amount. Deposits made in the closing decade have a 75% guarantee. Some funds excluded from 10% free withdrawal per year. |
| WITHDRAWALS | 10% free withdrawal per year (for non-registered). 20% free scheduled withdrawal per year for RRIF. | 10% free withdrawal per year | 10% free withdrawal per year (for non-registered) | 10% free withdrawal per year | 10% free withdrawal per year |
| FUND TRANSFERS | 4 transfers per year at no charge; up to 2% transfer fees for additional transfers. Minimum S250 per transfer. | Up to 2% fee per transfer | 4 transfers per year at no charge; up to S25 can be charged for each additional transfer. Requires minimum S500 balance per fund. | 5 transfers per year at no charge; up to 2% fee for each additional transfer | 5 transfers per year at no charge; S25 fee for each additional transfer |
| FUND MANAGERS | Transamerica Investment Services (TIS) | C.I. Mutual Funds Inc. | RT Capital Management/ ING Investment Management/ Newcastle Capital Management | AGF / AIM / Atlas / C.I. / Dynamic / Maritime Life Elliot & Page / Fidelity / GT Global / Merrill Lynch / O'Donnell / Sceptre / Talvest / Trimar | Maritime Life |
| ISSUING INSURANCE COMPANY | Transamerica Life Insurance Company of Canada | Transamerica Life Insurance Company of Canada | ING Life | The Manufacturers Life Insurance Company | Maritime Life |
| INFORMATION FOLDER SOURCE | IP191 12/100 | NN0889 E FMK (Rev. 07/100) | MK0839E(11/11008) | E4342 10/98 |
