UNIVERSAL LIFE INVESTOR

PROFILE QUESTIONNAIRE

Universal life combines the benefits of

tax-advantaged* life insurance protection
with competitive savings and investment options.

Three steps to selecting DESIGNING YOUR SAVINGS AND INVESTMENT PORTFOLIO

your ideal investment
Our wide investment selection available with universal life is ideal for building
portfolio: a portfolio that is suitable for conservative investors to those looking for
more aggressive growth…and everyone in between. You can invest in any
1 W
 HAT’S YOUR combination of the following:
INVESTOR PROFILE?
Complete the questionnaire • Daily interest account:
to help determine your Earns interest in a manner similar to a savings account.
financial goals and timeline • Guaranteed deposit accounts:
to achieve those goals. Available in terms of 1, 5 and 10 years.
• Linked interest options:
2 INTERPRET YOUR SCORE Non-registered accounts that enjoy tax-advantaged growth* with
Consider how comfortable performance that reflects domestic, global equity, or bond markets.
you are with investment risk.
For example, will you lose

universal life
sleep over investments that WHAT IS ASSET ALLOCATION?
fluctuate in value? Asset allocation is the process of determining which asset classes (guaranteed
investments, fixed income, equity) should be included in your policy and in
3 DESIGN YOUR which proportions. Each asset class has a different level of risk and return and
PORTFOLIO reacts differently to market conditions. The goal is to find the mix that provides
you with a balance between risk and potential return that won’t keep you
Create a balanced portfolio
awake at night. Proper asset allocation may help to reduce volatility within
that suits your financial
your portfolio while increasing the potential for higher returns.
needs through a mix of
asset classes. * Subject to maximums and other restrictions as prescribed in the Income Tax Act (Canada)

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The Equitable Life Insurance Company of Canada 1.800.722.6615 www.equitable.ca

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Name:

STEP 1: WHAT’S YOUR INVESTOR PROFILE?

This questionnaire can assist in finding the portfolio that best fits your time frame, financial goals and the amount of risk you are willing
to assume. Choose the option best suited to you. Answering the questions honestly will help your advisor recommend an investment
mix unique to your situation.

1. Tell us about your RRSP planning.

a. I contribute to RRSPs but am nowhere near my maximum limit
b. I faithfully maximize my RRSPs every year
c. I do not regularly contribute to my RRSPs
d. I am currently drawing an income from my registered funds
2. What is the primary reason for purchasing this type of insurance?
a. To provide an income for my dependents and/or cover my final expenses (funeral costs, legal fees,
income taxes) in the event of my death
b. To create or preserve an estate for my beneficiaries
c. To maximize my tax-advantaged investment opportunities
d. To accumulate wealth that can be transferred tax-free to my beneficiaries upon my death
e. To achieve both life insurance protection and tax-advantaged investment growth
3. What are your goals with respect to the savings portion of your policy?
a. Grow my savings safely to be used for emergency purposes only
b. Assist in paying the ongoing insurance costs of my policy
c. Build enough cash value to provide additional income during retirement
d. Maximize the growth potential of my investments to use as I see fit in the future
e. Attempt to grow my savings to keep pace with inflation
4. When do you plan to access the investment portion of your policy?
a. Within 9 years b. 10 to 14 years c. 15 to 19 years d. More than 20 years e. Never
5. Which best describes your savings and investment knowledge?
a. Novice. My knowledge of investing is limited
b. Beginner. I have been investing for a few years and have a basic understanding of investing
c. Good. I have a working knowledge of the major characteristics of the different types of investments as well
as the insurance and financial marketplace
d. Very Good. I have been investing for some time and have a solid understanding of the different classes of
investments and their associated risks
e. Excellent. I am a seasoned investor. I have a comprehensive understanding of insurance concepts, the different
types of investments, their associated risks and how they relate to market volatility
6. What is your total household income?
a. Under $30,000 b. $30,000 to $59,999 c. $60,000 to $99,999
d. $100,000 to $149,999 e. Over $150,000
7. Which of the following types of investments do you own or have you owned in the past? (select all that apply)
a. Guaranteed investments, Canada Savings Bonds or money market funds
b. Fixed income or bond funds, government, provincial or high quality corporate bonds
c. Canadian stocks, mutual or segregated funds
d. U.S. stocks, mutual or segregated funds
e. Foreign stocks, mutual or segregated funds
f. Cash value life insurance

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 8. Choose the statement that best describes your attitudes towards investment risk.
a. I want my investments to be secure even if it means that my investments will not keep pace with inflation
b. I am willing to accept a low level of fluctuation in the value of my investments to attempt to keep pace
with inflation
c. I am willing to accept a moderate level of fluctuation in the value of my investments to attempt to achieve investment
returns somewhat higher than inflation
d. I am willing to accept a high level of fluctuation in the value of my investments to maximize my tax-advantaged
growth potential
9. When considering investment return, what is the maximum decline in the value of the investment portion of your policy that
you would be willing to accept over a one year period?
a. 0%. Stability is important to me
b. -5%
c. -10%
d. -20%
e. -25% or greater. I understand that markets periodically correct themselves and I have confidence in its
long-term prospects
10. Which of the following ranges includes your current age?
a. Under 40 b. 40 to 49 c. 50 to 59 d. 60 to 69 e. Over 70

CALCULATE YOUR SCORE STEP 2: INTERPRET YOUR SCORE

Match each of your responses from the previous questions to Once you have determined your score, match it to one of the
the corresponding point value. six investment profile categories:

a b c d e f TOTAL
Total Score Investment profile category
1. 2 5 0 2
0 to 25 points Minimal risk
2. 0 6 10 7 6
26 to 41 points Conservative
3. 0 8 10 15 4
42 to 57 points Moderate conservative
4. 0 5 8 10 10 58 to 73 points Balanced
5. 0 2 3 4 6 74 to 87 points Growth
6. 0 2 5 6 8 88+ points Aggressive growth
7. 0 1 2 2 2 1
Your investment profile category reflects a number of factors
8. 0 5 10 15 including time horizon, age, investment knowledge and your
9. 0 3 6 9 12 personal financial situation.
10. 8 6 4 2 0

TOTAL SCORE

I have reviewed the questionnaire with my advisor. Date (dd/mm/yyyy)

I have reviewed the questionnaire with my client.

This investment profile questionnaire is intended to provide you and your financial advisor with suggested savings and investment mix selections within a universal life
insurance policy. This information does not constitute legal, tax, investment, or other professional advice. It is strongly recommended that you speak to your financial
advisor or other professional regarding your individual insurance, savings and investment goals. While Equitable Life has made every effort to ensure the accuracy of
the information presented here, the policy contract governs in all cases.

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 STEP 3: DESIGN YOUR PORTFOLIO
Below you’ll find suggested portfolios for each investment profile category. Design your own portfolio by choosing from a
combination of guaranteed investments, fixed income or equities in the proportions recommended. Or, for a simpler approach, select
the portfolio interest option that best fits your profile.

INVESTMENT PROFILE CATEGORIES SAVINGS AND INVESTMENT OPTIONS

Latest performance reports
1. Minimal Risk – 0 to 25 points
100% guaranteed (guaranteed/term deposit accounts)
Guaranteed investment options
• Daily interest account
2. Conservative – 26 to 41 points
30% equity, 45% fixed income, 25% guaranteed • Guaranteed deposit accounts (terms of 1, 5 and 10 years)
OR Fixed income exposure
45% balanced, 30% fixed income, 25% guaranteed
OR • Performance fund interest option – Canadian bond
Diversified income portfolio interest option • Performance fund interest option – Global fixed income

3. Moderate conservative – 42 to 57 points Balanced exposure

40% equity, 40% fixed income, 20% guaranteed • Performance fund interest option – Canadian
OR
• Performance fund interest option – Global balanced
60% balanced, 20% fixed income, 20% guaranteed
OR Domestic equity exposure
Balanced income portfolio interest option • Index interest option – Canadian equity
4. Balanced growth – 58 to 73 points • Performance fund interest option – Canadian value stock
60% equity and 40% fixed income • Performance fund interest option – Large cap canadian equity
OR
100% balanced U.S. equity exposure
OR • Index interest option – American equity
Growth portfolio interest option
• Index interest option – U.S. technologies
5. Growth – 74 to 87 points • Index interest option – U.S. blue chip
80% equity and 20% fixed income
Foreign equity exposure
OR
80% balanced and 20% equity • Performance fund interest option – Global
OR • Index interest option – European
Growth portfolio interest option
Portfolio interest options
6. Aggressive growth – 88+ points
• Diversified income portfolio interest option (conservative)
100% equity
OR • Balanced income portfolio interest option (moderate conservative)
Diversified equity portfolio interest option • Balanced growth portfolio interest option (balanced)
• Growth portfolio interest option (growth)
• Diversified equity portfolio interest option (aggressive growth)
LEGEND

Guaranteed Fixed income Equity

If you would like further details on the savings and investment opportunities available with your universal life plan, please talk
to your advisor.
The linked interest options available with your universal life policy offer exposure to both equity and fixed income markets. While linked interest options may
provide the potential for greater rates of return over the long term, there is an inherent risk in selecting them as investment options. Unlike the daily interest
account or the guaranteed deposit accounts where there are guarantees surrounding the credited interest rates, investments in the linked interest options are NOT
GUARANTEED. It is possible to receive negative interest, which will result in a decrease to your account value. You want to ensure that there are always sufficient
funds to cover the monthly charges including cost of insurance, administration and any riders and benefits. Linked interest options are NOT mutual funds or indices;
you are NOT investing in or acquiring units in a mutual or investment fund or other security. You are placing funds on deposit, earning interest, with the general
funds of Equitable Life. Performance is not guaranteed. Past performance does not guarantee future results. You may be credited positive or debited negative
interest depending on the performance of the Mutual Fund or Index being tracked. The mutual fund or index being tracked may change at any time. Linked
interest option administration fees will apply.

® denotes a trademark of The Equitable Life Insurance Company of Canada.

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