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Guaranteed Retirement Income for LifeTM

You live life on your own terms. Why should retirement be any different? Gone are the days when you retired at 65 with a company pension. In today’s world, income generation with maximum flexibility can influence one’s retirement destiny. Class Plus 2.1 offers guaranteed retirement income for life and our Automatic Income Resets and Retirement Income Privileges that adapt to your changing retirement plans.

Is Class Plus 2.1 for you?

Whether you are already retired or saving for retirement, Class Plus 2.1 may be the solution for you:

  • If you are retired, with Class Plus 2.1 you'll know exactly how much income you will receive, every year, for life.1
  • If your retirement is some years away, you can invest in Class Plus 2.1 today and use it to accumulate wealth before you start withdrawing income.

How Class Plus 2.1 works

When you invest in Class Plus 2.1, you are guaranteed to receive a predictable annual income1, starting as early as age 55. This guaranteed retirement income will continue for as long as you live. It is always protected from market downturns and it will continue even if the value of your investment goes to zero.2

Key Features and Benefits:

  • Enjoy the security of guaranteed retirement income for life1
  • Receive 5% annual Income Base Bonus in every year that no withdrawals are made3
  • Flexibility of Single and Joint life tiered income options available at 55

Single Tiered LWA Percentage:

Joint Tiered LWA Percentage3:

age 0 - 54: 0.00% 

age 0 - 54: 0.00% 

age 55 - 59: 3.00% 

age 55 – 59:  2.50%

age 60 - 64: 3.50%  

age 60 - 64:   3.00%

age 65 - 69: 4.00% 

age 65 - 69:   3.50%

age 70 - 74: 4.25% 

age 70 - 74:   3.75%

age 75+: 5.00%

age 75+:      4.50%

  • With Automatic Income Resets, your income may be bumped up
  • You can discontinue your income payments and then resume at any time with our Retirement Income Privileges
  • Enjoy valuable insurance benefit guarantees with 75% Death and Maturity Benefit Guarantees
  • Your Death Benefit Guarantee and Income Base Bonus Base are automatically reset every 3 years to capture market gains 
  • Choose a range of investment options from fixed income to equity funds
  • Our exclusive Excess Withdrawal Alert service safeguards your income
  • Enjoy the benefits of our Empire For Life Loyalty Program

Get Empire Life Class Plus 2.1 working for you

If you would like to find out more about Empire Life Class Plus 2.1, talk to your advisor.

1 Making an excess withdrawal may decrease your guaranteed retirement income for life amount. 
2 During the guaranteed payment phase, no further deposits are permitted. 
3 Income Base Bonus is a notional amount added to the Income Base the end of each calendar year if no withdrawals are made for that year.

A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value.