What is Platinum Option? - Standard Life

Ideal
Segregated Funds
Signature Series
Enrich your savings with Platinum Option

What is Platinum Option?
A special offer for investors who qualify.
A minimum initial premium of $250,000 gives you
access to significantly lower management fees.
This means that Ideal Segregated Funds –
Signature Series works even harder to grow
your money.
Compare what happens to a $250,000 investment in a fund with
lower fees, such as the Ideal Canadian Equity Fund – Platinum
Option, with the same investment in funds with higher fees.
The example uses a 15-year return of 7% (before fees
and expenses).
MER comparison
Investment
$550,000
$500,000
$450,000
$400,000
$350,000
$300,000
$250,000
1 5
Year
10 15
Ideal Canadian Equity Fund
(Ideal 75/100 Series – Platinum Option)
Ideal Canadian Equity Fund
2.24%*
(Ideal 75/100 Series – no-load option) 2.75%*
Median Canadian equity fund 3.08%**
* MER as at December 31, 2010
** Source: PALTrak, June 30, 2011
Over a 15-year period, Platinum Option
investors would have accumulated between
$35,449 and $57,126 more in their portfolios.
02 Ideal Segregated Funds – Signature Series
$502,195
$466,746
$445,069

With Ideal Segregated
Funds – Signature Series and
Platinum Option, you can:
¬ Protect your savings with
built-in guarantees. Choose
the level of protection that
works best for you.
— Ideal 75/100 Series for
base capital protection
at maturity 1
— Ideal 100/100 Series
for full capital protection
at maturity 1
— Ideal Income Series
for guaranteed
lifetime income
¬ All three series offer a 100%
Death Benefit Guarantee
(75% if the person insured
is age 80 and over when the
series is purchased)
¬ Preserve your Death
Benefit and Payout
Benefit Guarantees
with Standard Life’s
dollar-for-dollar reduction of
guarantees 2 on scheduled
income payments from
registered retirement
income plans
¬ Create potential for your
money to grow, with a great
line-up of funds to choose
from, plus resets to
lock-in gains
¬ Guarantee that your
retirement income lasts as
long as you need it (if you
make the new Ideal Income
Series part of your contract)
¬ Access segregated
fund advantages,
including probate bypass
opportunities 3 and potential
creditor protection 2 (consult
with a legal advisor to find
out if you qualify)
¬ With your purchase, you
automatically get access to
a 24/7 phone resource line
from Sigma Assistel (for
non-financial matters)
¬ The Standard Life Assurance
Company of Canada is a
member of Assuris
Pay lower management fees,
and put more of your money to
work for you.
Ask your advisor if you qualify for the
Platinum Option. Your advisor will be able
to customize a retirement plan with the
Ideal Segregated Funds – Signature Series
that meets your financial needs.
1 Payout Benefit Guarantee for registered income plans.
2 This feature may not apply if your contract is held in a nominee plan. Please refer to the
Information Folder for more details.
3 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.
Ideal Segregated Funds – Signature Series 03

Retirement Investments
Find out more
www.standardlife.ca
Ideal 75/100 Series, Ideal 100/100 Series and Ideal Income Series are offered on our Ideal
Segregated Funds – Signature Series contract, which is an insurance product.
A description of the key features and the terms and conditions of Standard Life’s Ideal Segregated
Funds – Signature Series is contained in the Information Folder and Contract. Please refer to the
section on Resets for more information on the rules governing this feature. The information has
been simplified for the purposes of this document and, if there are any inconsistencies between the
information presented in this document and the Information Folder and Contract, the Information
Folder and Contract will prevail.
Subject to any applicable guarantees, any part of the premium or other amount allocated to an Ideal
Segregated Fund is invested at the risk of the contractholder and may increase or decrease in value
according to fluctuations in the market value of the assets of the Ideal Segregated Fund.
All charts and illustrations contained in this document are for illustration purposes only. They are not
intended to predict or project investment results.
©2012 Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is
proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3)
is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are
responsible for any damages or losses arising from any use of this information. Past performance is
no guarantee of future results.
The Standard Life Assurance Company of Canada
6611D 04 Ideal 01-2012 Segregated ©2012 Funds Standard Signature Life Series Platinum Option