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Empire Life is pleased to announce a one-time increase of the Class Plus 3.0 Annual Income Base Bonus from 4% to 5% for all eligible Class Plus 3.0 contracts in 2019. The one-time increase in the Annual Income Base Bonus will be automatically applied to all Class Plus 3.0 contracts, if no withdrawals are made in the 2019 calendar year, at the close of business on December 31st, 2019.  

The Annual Income Base Bonus for Class Plus 3.0 will be increased from 4% to 5% for the 2019 calendar year only and be applied to all new and existing Class Plus 3.0 contracts. Advisors and their clients do not need to submit any paperwork or forms to receive the one-time 5% Income Base Bonus; it will be automatically applied to all eligible Class Plus 3.0 contracts. 

The Annual Income Base Bonus for all eligible Class Plus 3.0 contracts will be 4% in 2020.

The Income Base Bonus is credited in years that there are no withdrawals from Class Plus 3.0. for the first 20 calendar years you own Class Plus 3.0. It is a notional amount and has no cash value.  

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A description of the key features of the individual variable insurance contract is contained in the Class Plus 3.0 Information Folder. 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.