imaxxâ¢ Guaranteed Investment Funds - Transamerica Life Canada

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Submitting a request for deposit, transfer orwithdrawalIf you wish to deposit to, transfer or withdraw money from yourcontract, you must provide us with instructions. Your instructions maybe forwarded to us at our head office through authorized methods.Currently, we accept order requests via written request, by facsimile; orfrom a distributor on the FundSERV network.If your request includes all the information we require, we consider itto be in good order.If your request is not in good order, we have the right to reject orpostpone the acceptance of your request for any reason, includingincomplete information. You are responsible for any expenses orinvestment losses that result from incomplete or incorrect informationprovided by you.The effective date of your requestFor non-electronic transmissions, including facsimile transmissions,if we receive your request in good order at our head office by 3 p.m.(Toronto time) on a valuation date, this is the effective date of yourorder. Otherwise, the effective date is the next valuation date.For electronic transmissions (currently only through <strong>Funds</strong>erv), if wereceive your request in good order at our head office by 4 p.m. (Torontotime) on a valuation date, this is the effective date of your order.Otherwise, the effective date is the next valuation date.We reserve the right to change the above time requirements.Number of contractsYou are limited to one contract based on the life of the same annuitantfor each registration status, type of plan under a governing pensionregulator, spousal status and guarantee option. If you purchase morethan one contract with the same annuitant, the same spousal status,the same type of plan under a governing pension regulator, the sameguarantee option and the same registered or non-registered status,we have the right to combine those contracts into one contract withidentical options to the earlier contract.This means that you may only have one of each of the followingcontracts with the same annuitant, as follows:75/75 guarantee option RSP contract75/75 guarantee option RIF contract75/75 guarantee option spousal RSP contract75/75 guarantee option spousal RIF contract75/75 guarantee option LIRA/LRSP/RLSP contract(per governing pension regulator)75/75 guarantee option LIF/RLIF contract(per governing pension regulator)75/75 guarantee option PRIF contract(per governing pension regulator)75/100 guarantee option RSP contract75/100 guarantee option RIF contract75/100 guarantee option spousal RSP contract75/100 guarantee option spousal RIF contract75/100 guarantee option LIRA/LRSP/RLSP contract(per governing pension regulator)75/100 guarantee option LIF/RLIF contract(per governing pension regulator)75/100 guarantee option PRIF contract(per governing pension regulator)100/100 guarantee option RSP contract100/100 guarantee option RIF contract100/100 guarantee option spousal RSP contract100/100 guarantee option spousal RIF contract100/100 guarantee option LIRA/LRSP/RLSP contract(per governing pension regulator)100/100 guarantee option LIF/RLIF contract(per governing pension regulator)100/100 guarantee option PRIF contract(per governing pension regulator)DepositsYou may make deposits under the contract at any time before theearliest of:the date of the annuitant’s death,the annuitant’s 81 st birthday, and10 years before the contract maturity date.In addition, the annuitant must be a Canadian resident at the time yourcontract is opened. We will deduct any applicable taxes and chargesfrom amounts invested. These restrictions are in addition to any agerestrictions on deposits imposed by law.Except for a deposit that is the result of a reinvestment on a depositmaturity date, with your initial deposit, we must receive the requireddocumentation in good order including:an applicationany other information we may require, which may include evidenceof the good health and insurability of the annuitant.We must receive investment instructions from you for all depositsyou make under the contract. Where the deposit results from thereinvestment of a deposit maturity date, we will continue the sameinvestment allocations as the maturing deposit year account unless youinstruct us otherwise. See page 13 for details of the maturing deposityear account.When you deposit money to your contract, the number of units creditedto your contract will be equal to the amount of your deposit divided bythe applicable unit value as of the valuation date that is the effectivedate of your request.22
We have the right to:refuse any depositrefund any deposit previously accepted by us within90 days of depositlimit the amount of any deposit to an imaxxGIF(s)refuse to open new contractsimpose additional requirements at our discretion before any depositis made.We reserve the right to make changes, additions or deletions to theserules from time to time.Scheduled Pre-Authorized ChequingScheduled Pre-Authorized Chequing or PACs are deposits made forthe same amount, at the same frequency and to the same funds thatyou have selected. You may elect PAC deposits to be made on anannual, semi-annual, quarterly, monthly, bi-weekly and weekly basis.PACs are only available for RRSP contracts. We will make regularPAC withdrawals directly from your bank account. We have the rightto cancel the PAC at any time, upon 10 days’ notice to you. If wediscontinue a fund or close a fund to new deposits, we have the rightto direct the PAC to another fund. Please see Availability of imaxxGIFson page 36 for more information on fund discontinuance. Subject to ourAdministrative Rules, we will stop processing deposits by PAC if theyare returned unprocessed. You will be required to notify us in writing tore-establish deposits to the contract by PAC.The value of units allocated to the contract in respect of aparticular fund is not guaranteed but varies in accordance withfluctuations in the market value of the assets of such fund.Minimum and maximum depositsThe minimum initial deposit required to issue your contract is $10,000.The minimum that can be allocated to a specific imaxxGIF is $250.Each additional deposit to the same imaxxGIF must be at least $100.The minimum Pre-Authorized Chequing (PAC) deposit is $50.00, ofwhich the minimum deposit to a particular imaxxGIF is $25.00.No more than $500,000 may be contributed to your contract in one (1)calendar year without our prior written consent.Minimum guaranteed amountSubject to any applicable legislative or regulatory requirementsincluding those applicable where the contract is issued as a RSP, LIRA,RLSP, locked-in RSP, RIF, PRIF, RLIF or LIF, if, at any time, the guaranteedamount is less than $500, we have the right to cancel all of the unitsupon 30 days notice to you. When, in our discretion, we exercise thisright, the total fund value, less any withdrawal charges, any otherunpaid administrative fees and charges owing by you to us and anytaxes which may be required by law to be withheld, will be paid to you.Deposit sales charge optionsExcept for a deposit that is the result of a reinvestment on a depositmaturity date, your advisor receives a fee for the services providedto you when you deposit money to your contract to be invested in animaxxGIF. You have two options:Initial sales charge (ISC): With this option, you negotiate the salescharge with your advisor of up to 5% of the amount of your investment.This amount will be deducted from your investment before units areallocated to your contract. For example, if you invest $1,000 and younegotiate a 5% initial sales charge, $950 will be the amount depositedin the imaxxGIF and $50 will be paid as a sales charge. There is nodeferred sales charge when you make a withdrawal against theseunits. Units obtained under this option are called ISC units.Deferred sales charge (DSC): With this option, you pay no sales chargeto your advisor at the time of deposit. Instead, you agree to pay a feeto us if you withdraw money against these units within six years of theeffective date of deposit. See the deferred sales charge, page 26 formore information. Units obtained under this option are called DSC units.At any time before the contract maturity date and subject to ouradministrative rules and any applicable charges and fees, you mayrequest an exchange of DSC units for ISC units (including DSC unitsunder the 10% Free Withdrawal Privilege).An exchange of DSC units to ISC units will not be processed as atransfer but a surrender of the originating units and deposit of theresulting units (i.e. a sell and a buy). Exchanges will therefore impactthe deposit maturity date and guaranteed amounts applicable to theoriginating units and may incur a deferred sales charge in accordancewith the chart on page 26. When moving from a DSC unit to an ISCunit, the exchange may be subject to a negotiated ISC sales chargebetween 0 to 5% with your advisor. This transaction is a taxable event.As with deposits, transfers and withdrawals, the value(s)of the units involved in any exchange are subject to marketfluctuations. As an exchange transaction will impact maturitydates and guaranteed amounts, an exchange of DSC units toISC units may not be advisable in many circumstances. Pleaseconsult your advisor before requesting any exchange of DSCunits to ISC units.We reserve the right to make changes, additions or deletions to theseoptions from time to time.Processing your depositCurrently, if your deposit is processed electronically, we must receivepayment and all necessary documents within three business days ofthe effective date of your deposit. If we do not receive payment and allof the necessary documents within three business days, we will cancelthe units allocated to your contract on the next business day. If theproceeds are greater than the deposit, we will reimburse your depositto you and retain the balance. If the proceeds are less than the amountyou deposited, you will owe the difference to us.23
Page 1: Effective January 2014imaxx Guaran
Page 4: Transamerica Life Canada hereby cer
Page 7 and 8: Table of Contents continuedCanadian
Page 9 and 10: Transamerica Investment Portfolio t
Page 11 and 12: For information regarding how to co
Page 13 and 14: CommunicationsGeneral InformationIn
Page 15 and 16: If you designate a revocable benefi
Page 17 and 18: imaxx tm GIF Guarantee OptionsWhen
Page 19 and 20: Accordingly, on January 2, 2014 the
Page 21 and 22: Example:Owner/annuitant deposits $1
Page 23 and 24: imaxx tm Contract Maturity BenefitT
Page 25 and 26: imaxx tm Death BenefitAn imaxx deat
Page 27 and 28: Reset of Death Guaranteed AmountSub
Page 29: How to invest in imaxxGIFsHow we ca
Page 33 and 34: Processing a withdrawalWhen your wi
Page 35 and 36: The large total value contracts rul
Page 37 and 38: imaxx tm Guaranteed Investment Fund
Page 39 and 40: Capital Depreciation RiskSome under
Page 41 and 42: Returns on income trusts are neithe
Page 43 and 44: from the short sale are deposited w
Page 45 and 46: Other important informationClaims o
Page 47 and 48: Marketing StatementOrganization and
Page 49 and 50: TRANSAMERICA INVESTMENT PORTFOLIO T
Page 51 and 52: Initial Sales Charge Option means t
Page 53 and 54: LRSP, RLSP). In this case, unless t
Page 55 and 56: 9.2. The “Aggregate Class Value
Page 57 and 58: Date, then the value of the Units c
Page 59 and 60: including but not limited to the 10
Page 61 and 62: 17.6. (a) Transamerica will deposit
Page 63 and 64: Residents of Quebec20.5. Transameri
Page 65 and 66: 29. Recovery of expenses and invest
Page 69 and 70: TRANSAMERICA LIFE CANADADouglas W.
Page 73 and 74: 6. Death BenefitThe death benefit p
Page 75 and 76: Fund Facts67
Page 77 and 78: 4HOW HAS THE FUND PERFORMED?The inf
Page 79 and 80: imaxxGIFTransamerica Canadian Money
Page 81 and 82:
Transamerica Canadian Money Market
Page 83 and 84:
Transamerica Canadian Bond GIF - im
Page 85 and 86:
imaxxGIFTransamerica TD Income Adva
Page 87 and 88:
Transamerica TD Income Advantage GI
Page 89 and 90:
Transamerica Canadian Short-Term Bo
Page 91 and 92:
imaxxGIFTransamerica Canadian Balan
Page 93 and 94:
Transamerica Canadian Balanced GIF
Page 95 and 96:
Transamerica Canadian Fixed Pay GIF
Page 97 and 98:
imaxxGIFTransamerica Fidelity Canad
Page 99 and 100:
Transamerica Fidelity Canadian Bala
Page 101 and 102:
Transamerica Fidelity Canadian Asse
Page 103 and 104:
imaxxGIFTransamerica TD Dividend Ba
Page 105 and 106:
Transamerica TD Dividend Balanced G
Page 107 and 108:
Transamerica TD Dividend Income GIF
Page 109 and 110:
imaxxGIFTransamerica Canadian Equit
Page 111 and 112:
Transamerica Canadian Equity GIF -
Page 113 and 114:
Transamerica CI Conservative GIP -
Page 115 and 116:
imaxxGIFTransamerica CI Canadian Ba
Page 117 and 118:
Transamerica CI Canadian Balanced G
Page 119 and 120:
Transamerica CI Balanced GIP - imax
Page 121 and 122:
imaxxGIFTransamerica CI Growth GIP
Page 123 and 124:
Transamerica CI Growth GIP - imaxxG
Page 125 and 126:
Transamerica CI Maximum Growth GIP
Page 127 and 128:
imaxxGIFTransamerica Quotential Bal
Page 129 and 130:
Transamerica Quotential Balanced In
Page 131 and 132:
Transamerica Quotential Balanced Gr
Page 133 and 134:
imaxxGIFTransamerica Quotential Gro
Page 135 and 136:
Transamerica Quotential Growth GIF
Page 137 and 138:
Appendix A - Investment Objectives
Page 139 and 140:
Appendix A - Investment Objectives
Page 141 and 142:
This page is left intentionally bla
Page 143 and 144:
Appendix B - Underlying Funds and F
Page 145 and 146:
Underlying Fund Company Information
Page 147 and 148:
Appendix C - Principal Risks of the
Page 149 and 150:
Appendix C - Principal Risks of the
Page 151 and 152:
Appendix D - imaxx Guaranteed Inves
Page 153 and 154:
NOTES
Page 156:
500 - 5000 Yonge StreetToronto, Ont
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imaxxâ¢ Guaranteed Investment Funds - Transamerica Life Canada