Our current decumulation offerings provide a range of solutions for your plan members.

RIF/LIF Flexibility

You can continue as the plan sponsor for your retirees or transfer this responsibility to us


Products offering diversity, growth, liquidity, protection of capital and income guarantees

Enrolment and advice

From a team of dedicated, licensed retirement consultants who provide objective retirement planning advice and guidance


Self-serve tools to help with retiree decision-making

  • Nearly two-thirds (66%) of plan sponsors say they’re concerned about how prepared their plan members are as they move into retirement.

What ’s next for decumulation?

This is a big focus for us in 2020. We’re rapidly pursuing new solutions for your plan members including:

  • Updates and new member facing tools

  • Enhancing our engagement model as members near retirement

  • Variable benefits (specific to Quebec, the first province that we’re able to offer this service)

  • Thought leadership papers focused on retirement income needs and available support

  • Advocacy – we’re working with the Canadian Life and Health Insurance Association (CLHIA) and regulators to reinforce the importance of new products and solutions (such as auto enrolment, ALDA and VPLA), which can improve adequate retirement income. Check out page 27 to learn more on the new ALDA and VPLA products.