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RBC Insurance

RBC Insurance. Create and Protect Your Wealth. PRESENTED BY: Date: September 12th, 2014. Agenda. Why Segregated Funds - Value Proposition The Market Opportunity for You Why RBC GIF/POA – Strength, Value, Advice. 2. The Uncertain Road – TSX MARKET DOWNTURN.

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RBC Insurance

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  1. RBC Insurance Create and Protect Your Wealth PRESENTED BY: Date: September 12th, 2014

  2. Agenda Why Segregated Funds - Value Proposition The Market Opportunity for You Why RBC GIF/POA – Strength, Value, Advice 2

  3. The Uncertain Road – TSX MARKET DOWNTURN

  4. Enhancing Your Value Proposition • More opportunities • Ongoing renewal commission • Build a fence

  5. The Market Opportunity for YouSegregated Fund Assets (in Billions) $91.6B at end of December 2012 Expected growth by 2018 to $160.4B

  6. Target Clients • Age 45+, Pre-retirees and retirees • Saving for retirement • Looking for efficient transfer of wealth • Previously Married • Self Employed • Income Splitting

  7. WHY RBC GIF/POA Strength Simplicity Trust Simple product structure $300 Billion + AUM RBC, a trusted brand, a Canadian institution

  8. Who is RBC Global Asset Management? Manager of over $300B + in AUM

  9. RBC Guaranteed Investment Funds DSC/LSC/ISC

  10. RBC Canadian Dividend • Looking for above average dividend returns of major Canadian companies • Managed by Doug Raymond and Stuart Kedwell since 2007 • Mutual fund assets of $17.11B

  11. RBC North American Value GIF A value approach backed by proven management • Consistency! Just one of many reasons to invest in this fund • Underlying fund providing top-quartile performance for 13 consecutive quarters • Underlying fund Morningstar Rating = 5 star

  12. RBC GIF – Competitive Advantage • 10 year 75% Maturity Guarantee* • 100% Death benefit Guarantee for deposits made before age 80. 80% Death Benefit for deposits made after age 80* • Deposits are accepted to age 90 with no restrictions on investment choices • Resets are available once a year to age 90 on our Portfolio Solutions (Series 2) • Strong fund line –up including RBC Funds and PH&N managed by RBC Global Asset Management Inc.

  13. RBC Insurance Solutions Case Studies How Can We Help You

  14. 55 year old male, planning to retire at age 65 Guaranteed income for life $200,000 to invest Risk averse, looking for growth Sensitive to MER’s Case Study 1 – Defer Income

  15. RBC Insurance - Guaranteed Income for Life of $13,006 - RBC GIF Portion provides all the benefits of seg funds plus access to cash without affecting guaranteed income

  16. RBC Insurance Protecting Your Wealth

  17. Protecting your “nest egg” • Insure your paycheque so that you can continue to fund your lifestyle and support your family in the event that you cannot work due to injury or illness. • Continue to save for retirement – even if your earnings are disrupted for a period of time by injury or illness. • Secure additional dollars to help subsidize the potential costs associated with being critically ill – such as out of pocket medical expenses, alternative treatments, or private care.

  18. RBC Disability Insurance – Recent Enhancements • Increased issue limits • For individual disability insurance and guaranteed standard issue • New special program for established professionals • New Fundamental Series applications & Feature Summary • New sales tools & resources • www.rbcinsurance.com/salesresourcecentre

  19. RBC Critical Illness Insurance – Recent Enhancements • CI Re-price • Rates on T10 decreased by an average of 12.2% • Rates on level T65 increased by an average of 7.2% • Rates on level T75 increased by an average of 4.7% • Change in definitions to adhere to CLHIA definitions • Changes to Best Doctors eligibility criteria • Increased renewal compensation for T10

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