RBC Insurance | Create and protect your wealth

January 5, 2018 | Author: Anonymous | Category: Business, Management, Sales
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RBC Insurance

Create and Protect Your Wealth PRESENTED BY:

Date: September 12th, 2014

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

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The Uncertain Road – TSX MARKET DOWNTURN

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Enhancing Your Value Proposition

• More opportunities • Ongoing renewal commission

• Build a fence

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The Market Opportunity for You Segregated Fund Assets (in Billions)

$92 $90 $88 $86 $84 $82 $80 $78 $76 $74 $72 Dec.2009

Dec.2010

Dec.2011

• $91.6B at end of December 2012 • Expected growth by 2018 to $160.4B 5

Dec.2012

Target Clients

 Age 45+, Pre-retirees and retirees  Saving for retirement  Looking for efficient transfer of wealth  Previously Married  Self Employed  Income Splitting

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WHY RBC GIF/POA

Strength $300 Billion + AUM

Simplicity Simple product structure

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Trust RBC, a trusted brand, a Canadian institution

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

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RBC Guaranteed Investment Funds DSC/LSC/ISC

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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

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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

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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.

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RBC Insurance Solutions

Case Studies How Can We Help You

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Case Study 1 – Defer Income

 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

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RBC Insurance

Case Study 1: Invest and defer income 10 years RBC GIF + POA purchased in year 11 RBC POA Initial Investment Year 1

RBC GIF $200,000 $278,036

Investment in POA in Year 11/RBC GIF Balance

$ 181,023

$97,013

Annual guaranteed income starting in year 11

$ 13,006

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- 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

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RBC Insurance

Protecting Your Wealth

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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.

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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

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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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