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* On November 1, 2019 the insurance fee (which in recent years was not included in the MER) was incorporated into the MER. The MER shown above is an estimate calculated as if the insurance fee had been incorporated into the MER for the full 2019 year.

All Concordia Funds, the Premier Equity Fund and Equity Growth Fund #3 are closed funds. Only clients whose existing policies permit investment in these Funds can make deposits to these Funds.

*Fund Performance:* Returns under 1 year are simple rates of return. All others are annual compound rates of return. All returns are calculated after taking expenses, management and administration fees into account.
Different classes have different returns due to the expenses charged to each category. Past performance is no guarantee of future performance. Empire Life will endeavour to ensure the information presented is accurate and up-to-date, but will not be held liable for any misstatements.

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Policies are issued by The Empire Life Insurance Company