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Which series is right for you?

Invest Series Series 1 Series 2
Ideal if You Are
  • Saving for retirement
  • Want long-term growth
  • Comfortable with some risk
  • Saving for retirement
  • Starting to convert savings to retirement income
  • Planning your estate
  • Uncomfortable with risk
  • Saving for retirement
  • Starting to convert savings to retirement income
  • Planning your estate
  • Very uncomfortable with risk
Overview Basic guarantees and maximum growth potential Enhanced guarantees to protect your money and growth potential Maximum guarantees with option to lock in growth
Maturity Guarantee1 (whichever is greater)

At age 100…

  • 75% of your deposit
  • OR
  • Market value2

In 10 years…

  • 75% of your deposit
  • OR
  • Market value2

In 10 years…

  • 75% of your deposit
  • OR
  • Market value2
Death Benefit Guarantee1 (whichever is greater)
  • 75% of your deposit
  • OR
  • Market value2
  • 100% of your deposit before age 80 (80% after age 80)
  • OR
  • Market value2
  • 100% of your deposit before age 80 (80% after age 80)
  • OR
  • Market value2
Resets None None 1 per year before age 90
Fund Options
  • 25 individual funds, including specialty funds
  • 4 portfolio solutions
  • 22 individual funds
  • 4 portfolio solutions
  • 4 fixed-income funds
  • 5 balanced funds
  • 4 portfolio solutions
Fees Lower than Series 1 and Series 2 Competitive–includes the cost of enhanced protection Competitive–includes the cost of maximum protection

1) Will be reduced proportionately for all withdrawals and fees.

 

2) Please refer to the information folder and contract to understand how the guarantees work.


Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. RBC Guaranteed Investment Funds are individual variable annuity contracts and are referred to as segregated funds. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these Contracts. The underlying mutual funds and portfolios available in these Contracts are managed by RBC Global Asset Management Inc. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract.