imaxx™ Guaranteed Investment Funds - Transamerica Life Canada

For full details about how these guarantees work, see pages 15 imaxxContract Maturity Benefit, 17 imaxx Death Benefit and 20, Example ofReset of the Death Guaranteed Amount in this Information Folder.What investments are available?You can invest in segregated funds. We explain the segregated fundoptions in the Fund Facts section of the Information Folder.Transamerica Life Canada guarantees the maturity and death benefits.Transamerica Life Canada does not guarantee the performance of thesegregated funds. Carefully consider your tolerance for risk when youselect an investment option.Your investment may go up or down.How much will it cost?The funds you choose, the number of transactions you request and thesales charge options you select affect your costs.You can choose up-front (initial) or deferred sales charges. For fulldetails see page 23, Deposit Sales Charge Options.Fees and expenses are deducted from the segregated funds. The feespay for the insurance benefits including resets, the management ofthe funds and taxes. Management Expense Ratios (MERs) express thepercentage of the segregated fund used to pay for fees and expensesfor the segregated fund. The MER for each segregated fund is set outin the Fund Facts.If you make certain transactions or other requests, you may be chargedseparately for them. These include withdrawals, early withdrawals,early transfers or more than four transfers per year.Please see page 27, Fees and Expenses for details.What can I do after I purchase this contract?If you wish, you can do any of the following:Transfers: You may transfer from one fund to another within the sameguarantee option. See page 24, Transfers for details.Withdrawals: You can withdraw money from your contract. If youdecide to withdraw money, this will affect your guarantees. You mayalso need to pay a fee and taxes. See page 24, Withdrawals fordetails.Deposit: You may make lump-sum or regular investments allowed byyour registered plan rules. See page 22, Deposits for details.Pay-out annuity: On the date your contract matures, you may select apayout annuity. Unless you select another option, we will start makingpayments to you. See page 15 imaxx TM Contract Maturity Benefit.Certain restrictions and other conditions may apply. Review thecontract for your rights and obligations and discuss any questions withyour advisor.What information will I receive about my contract?We will inform you of the value of your investments and thetransactions you made at least once a year.We print audited annual financial statements and unauditedsemi-annual financial statements for the funds. These are available onour website or you can request a copy by contacting us.The current fund information can be found in the Fund Facts pages onour www.transamerica.ca website after the audited annual segregatedfund financial statements are made available.Can I change my mind?Yes, you can:Cancel the contractCancel any deposit you make, orCancel fund allocation decisions.To do any of these, you must tell us in writing within two business daysof the earlier of:The date you received confirmation, andFive business days after the confirmation is mailed to you.If you:(a) cancel the contract or a deposit, the amount will be returned to you.(b) cancel a fund allocation, the original fund allocation will be restored.The amount returned or restored will be the lesser of the amountinvested and the value of the fund if it has gone down.We will refund any sales charges or other fees you paid.If you change your mind about a specific fund deposit or transfer, theright to cancel only applies to that transaction.For more information, see page 6, Rescission Rights.Where can I get more information?You may call us at 1-800-PYRAMID (797-2643) or send us ane-mail to ipservices@transamerica.ca. Information about ourcompany and the products and services we provide is on our website atwww.transamerica.ca.If you live in the Province of Quebec, you may also contactAutorité des marchés financiers (Centre d’information) Place dela cité, Tour Cominar, 2640 boul. Laurier, Québec, G1V 5C1.Téléphone : Montréal : (514) 395-0337, Québec : (418) 525-337,Toll Free: 1 877-525-0337 or www.lautorite.qc.ca.For information about issues you are unable to resolve with yourinsurer, contact the OmbudService for Life and Health Insurance at1-800-268-8099 or on the internet at www.olhi.ca.For information about additional protection available for all lifeinsurance contract holders, contact Assuris, a company established bythe Canadian life insurance industry. See www.assuris.ca for details.2