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["CI Insurance Face Amount Selected:",250000]
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["Advisor Name:","Mary Advisor, CFP"]
["Advisor Address:","123 Any Street"]
["City/Province/Postal Code:","Anytown, ON L8M 3R8"]
["Advisor Telephone Number:","416 555-1212"]
["Advisor Fax Number:"]
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[]
["Report Language:","English"]
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["To view case summary click on the 'Print Report' button."]

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[]
["Advisor Info Formatted"]
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{"sheet":"No Ins Yes CI","index":5,"n_rows":70,"n_cols":15,"rows_kept":70,"cut":false,"hidden":true,"merged":[[2,2,2,7],[2,9,2,13]]}
[]
[]
[null,null,"Registered Assets",null,null,null,null,null,null,"Non-Registered Assets"]
["Yr","Age","Beginning Balance","Deposit",null,"CI Event / Withdrawal","Growth","End Of Year Balance",null,"Beginning Balance","Deposit","CI Event Withdrawal","After-tax Growth","End Of Year Balance","Total EOY Assets"]
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[]
["Stop Loss protection for your investments"]
["(a strategy using Sun Critical Illness Insurance)"]
["Prepared for:",{"$f":"IF(TRIM(Name) = \"\", \"\", Name)","v":"Valued Client"}]
["Prepared by:",{"$f":"IF(TRIM(AdvisorName) = \"\", \"\", AdvisorName)","v":"Mary Advisor, CFP"}]
[]
["You've worked hard, made it a priority to save for the future and relied on the expertise of your advisor to"]
["develop a sound investment plan.  When it comes to retirement, you'll want to enjoy it on your own terms."]
["But what would happen to your savings if you were diagnosed with a critical illness?"]
[]
["Critical illness insurance helps avoid having to prematurely withdraw money from your investments.  It"]
["provides a lump sum benefit that can be used however you choose, including: 1) funding private or"]
["alternative medical treatment; 2) funding necessary home care; and 3) replacing lost income."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF(VLOOKUP(CIYr,Results,3)<=0,\"Under Scenario B, you will not have enough savings to meet your needs.  You might have to borrow or sell\",\" \")","v":{"$error":"#NAME?"}}]
[{"$f":"IF(VLOOKUP(CIYr,Results,3)<=0,\"assets to cover the shortfall.\",\" \")","v":{"$error":"#NAME?"}}]
[]
["Scenario descriptions and results",null,null,null,null,{"$f":"\"Portfolio value at age \" & IllustrateToAge","v":"Portfolio value at age 71"},{"$f":"\"Impact on portfolio \nat age \" & IllustrateToAge","v":"Impact on portfolio \nat age 71"}]
["A. Annual deposits with no insurance and no critical illness",null,null,null,null,{"$f":"ROUND(VLOOKUP(IllustrateToAge,Results,2),0)","v":{"$error":"#NAME?"}}]
[{"$f":"\"B. Annual deposits with no insurance and a critical illness at  \n    age \" & CIYr","v":"B. Annual deposits with no insurance and a critical illness at  \n    age 55"},null,null,null,null,{"$f":"ROUND(VLOOKUP(IllustrateToAge,Results,3),0)","v":{"$error":"#NAME?"}},{"$f":"F39-F40","v":{"$error":"#NAME?"}}]
[{"$f":"\"C. Annual deposits reduced by Sun Critical Illness Insurance\n     premium, no illness occurs\" & IF(ROPStartAge <= IllustrateToAge,\" and ROP is claimed at age \" & IllustrateToAge, \"\")","v":"C. Annual deposits reduced by Sun Critical Illness Insurance\n     premium, no illness occurs and ROP is claimed at age 71"},null,null,null,null,{"$f":"ROUND(VLOOKUP(IllustrateToAge,Results,4),0)","v":{"$error":"#NAME?"}},{"$f":"F39-F41","v":{"$error":"#NAME?"}}]
[]
[{"$f":"\"The annual cost of protecting your investment portfolio with Sun Critical Illness Insurance is  \" & DOLLAR(Prem, 2)","v":"The annual cost of protecting your investment portfolio with Sun Critical Illness Insurance is  $0.00"}]
[]
[]
["Sun Life Financial products are issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies."]
[]
[{"$f":"NOW()","v":"2022-03-14T14:54:36.990"},null,null,null,null,null,"Page 1 of  2"]
[]
["Stop Loss protection assumptions"]
["(a strategy using Sun Critical Illness Insurance)"]
[]
[]
[]
["Name",null,"Sex","Age","Rate class","Annual income","Assumed age of critical illness"]
[{"$f":"Name","v":"Valued Client"},null,{"$f":"Gender","v":"Female"},{"$f":"Age","v":45},{"$f":"_xlfn.SINGLE(SStatus)","v":"Non-smoker"},{"$f":"MoIncome*12","v":100000},{"$f":"CIYr","v":55}]
[]
[null,null,null,null,"Registered","Non-registered","Total"]
[null,"Existing investment assets:",null,null,{"$f":"Bal","v":200000},{"$f":"NonRegBal","v":40000},{"$f":"E59+F59","v":240000}]
[null,"Annual deposits:",null,null,{"$f":"Dep","v":18000},{"$f":"NonRegDep","v":3000},{"$f":"E60+F60","v":21000}]
[null,"Years of deposit:",null,null,{"$f":"Yrs","v":15},{"$f":"NonRegYrs","v":15}]
[null,"Net growth rate:",null,null,{"$f":"Growth","v":0.04},{"$f":"NonRegGrowth","v":2.6000000000000002E-2}]
[null,"Tax rate:",null,null,null,{"$f":"Tax","v":0.35}]
[]
["The amount of critical illness insurance to protect your assets is determined as follows:"]
[]
[null,"Coverage need",null,null,"Current cost","Inflation rate",{"$f":"\"Cost @ Age \" & CIYr","v":"Cost @ Age 55"}]
[null,"Medical care:",null,null,{"$f":"HlthCare","v":50000},{"$f":"inf","v":0.04},{"$f":"ROUND(VLOOKUP(CIYr,CINeedTable,6),0)","v":74012}]
[null,"Home care:",null,null,{"$f":"HomeCare","v":50000},{"$f":"inf","v":0.04},{"$f":"ROUND(VLOOKUP(CIYr,CINeedTable,7),0)","v":74012}]
[null,"Income replacement:",null,null,{"$f":"ROUND('CI Need'!D5,0)","v":100000},{"$f":"SalInc","v":0.03},{"$f":"ROUND(VLOOKUP(CIYr,CINeedTable,4),0)","v":134392}]
[null,"Total need:",null,null,{"$f":"SUM(E68:E70)","v":200000},null,{"$f":"SUM(G68:G70)","v":282416}]
[null,"Insurance amount selected:",null,null,{"$f":"CINeed","v":250000},{"$f":"NeedMinMaxWordingAdj","v":""}]
[null,"Annual premium:",null,null,{"$f":"Prem","v":0}]
[]
["The amount of insurance and premium can only be guaranteed after an application has been underwritten and"]
["a policy is issued.  The coverage in this example has a level premium and expires on the policy anniversary nearest"]
[{"$f":"\"your 75th birthday.  The Return of premium on cancellation or expiry benefit is first available \" & IF(ROPYr = 15, \"after 15 years.\", \"on the policy anniversary nearest age 65.\")","v":"your 75th birthday.  The Return of premium on cancellation or expiry benefit is first available after 15 years."}]
[]
["All coverage and benefits illustrated will be subject to underwriting review and approval."]
[]
["This illustration is prepared for information purposes only. It's not an insurance policy and it's not an offer to"]
["provide insurance.  Premiums are based on Sun Life Financial's rates in effect on the date shown below."]
[]
["Values shown are hypothetical and may change significantly with only a small change in one of the assumptions.  "]
["You can request an alternate scenario from your advisor."]
[]
["For more information about Sun Critical Illness Insurance please visit our website at www.sunlife.ca. "]
["If you have any questions,  please contact your advisor:"]
[]
[null,{"$f":"AdvisorNameFormatted","v":"Mary Advisor, CFP \n"}]
[null,{"$f":"AdvisorAddressFormatted & AdvisorPostalCodeFormatted & AdvisorPhoneNumberFormatted & AdvisorFaxNumberFormatted & AdvisorEmailFormatted","v":"123 Any Street \nAnytown, ON L8M 3R8 \nPhone: 416 555-1212 \nmary.advisor@sunlife.com \n"}]
["Sun Life Financial products are issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies."]
[]
[{"$f":"NOW()","v":"2022-03-14T14:54:36.990"},null,null,null,null,null,"Page 2 of  2"]

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[]
[]
[null,null,"Registered Assets",null,null,null,null,null,null,"Non-Registered Assets"]
["Yr","Age","Beginning Balance","Deposit","Insurance Premium","CI Event / Withdrawal","Growth","End Of Year Balance",null,"Beginning Balance","Deposit","CI Event Withdrawal","CII Benefit Received","Insurance Premium","After-tax Growth","End Of Year Balance","Total EOY Assets",null,"Premium"]
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[null,null,null,"\n",{"$f":"IF('Data Entry'!B36=\"English\",CONCATENATE(\"You've worked hard, made it a priority to save for the future and relied on the expertise of your advisor to help develop a sound financial plan.\",\" When it comes to retirement, you'll want to enjoy it on your own terms. But what would happen to your savings if you were diagnosed with a critical illness ?\"),CONCATENATE(\"Vous avez travaillé fort, fait de l’épargne une de vos priorités et fait confiance à l’expertise de votre conseiller pour établir un plan financier solide.\",\" Vous voulez profiter de votre retraite à votre façon. Mais qu’adviendrait-il de votre épargne si vous receviez un diagnostic de maladie grave ?\"))","v":"You've worked hard, made it a priority to save for the future and relied on the expertise of your advisor to help develop a sound financial plan. When it comes to retirement, you'll want to enjoy it on your own terms. But what would happen to your savings if you were diagnosed with a critical illness ?"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",CONCATENATE(\"Critical illness insurance can help protect your financial plan from the impact of a serious illness.\",\" By redirecting a portion of the funds you planned to save, you can purchase critical illness insurance to help provide this protection.\"),CONCATENATE(\"L’assurance maladies graves contribue à protéger votre plan financier contre les répercussions d’une maladie grave.\",\" En affectant une portion des fonds que vous aviez prévu épargner, vous pouvez acheter une assurance maladies graves pour obtenir cette protection. \"))","v":"Critical illness insurance can help protect your financial plan from the impact of a serious illness. By redirecting a portion of the funds you planned to save, you can purchase critical illness insurance to help provide this protection."}]
[]
[]
[]
[]
[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"HOW THE ASSET PROTECTION STRATEGY WORKS\",\"FONCTIONNEMENT DE LA STRATÉGIE DE PROTECTION DE L’ACTIF\")","v":"HOW THE ASSET PROTECTION STRATEGY WORKS"}]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",CONCATENATE(\"Critical illness insurance helps avoid having to prematurely withdraw money from your investments.\",\" It provides a lump sum benefit that can be used however you choose, including: 1) funding private or alternative medical treatment; 2) funding necessary home care; and 3) replacing lost income.\"),CONCATENATE(\"L’assurance maladies graves pourrait vous éviter de retirer prématurément de l’argent de vos placements. Elle prévoit le versement d’une prestation en une somme globale que vous pouvez utiliser comme bon vous semble.\",\" Elle pourrait servir à : 1) payer les frais de soins médicaux privés ou de traitements de médecine douce; 2) payer les frais de soins à domicile nécessaires; et 3) compenser une perte de revenu.\"))","v":"Critical illness insurance helps avoid having to prematurely withdraw money from your investments. It provides a lump sum benefit that can be used however you choose, including: 1) funding private or alternative medical treatment; 2) funding necessary home care; and 3) replacing lost income."}]
[]
[]
[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"THE IMPACT OF A SERIOUS ILLNESS\",\"RÉPERCUSSIONS D’UNE MALADIE GRAVE\")","v":"THE IMPACT OF A SERIOUS ILLNESS"},null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"TIMELINE OF POSSIBLE OUTCOMES\",\"RÉSULTATS POSSIBLES\")","v":"TIMELINE OF POSSIBLE OUTCOMES"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"CII protection may be required\",\"Protection d’AMG peut-être requise\")","v":"CII protection may be required"},null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Impact on investment portfolio\",\"Répercussions sur le portefeuille de placements\")","v":"Impact on investment portfolio"}]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"No critical illness\",\"Sans maladie grave\")","v":"No critical illness"},null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"No impact on portfolio\",\"Aucune répercussion sur le portefeuille\")","v":"No impact on portfolio"}]
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[]
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[]
[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Consult with tax and legal advisors to find out how a critical illness could affect your financial plan\",\"Demandez à vos conseillers fiscaux et juridiques quelles pourraient être les répercussions d’une maladie grave sur votre plan financier\")","v":"Consult with tax and legal advisors to find out how a critical illness could affect your financial plan"}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Healthcare expenses\",\"Frais de soins de santé\")","v":"Healthcare expenses"},null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"If there is no critical illness insurance protection\",\"Sans protection d’AMG\")","v":"If there is no critical illness insurance protection"}]
[]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Critical illness occurs\",\"Avec maladie grave\")","v":"Critical illness occurs"},null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Portfolio impact offset by critical illness benefit\",\"Répercussions sur le portefeuille compensées par la prestation d’AMG\")","v":"Portfolio impact offset by critical illness benefit"}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Other expenses\",\"Autres frais\")","v":"Other expenses"},null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Annual deposits reduced by insurance premium\",\"Versements annuels réduits de la prime d’assurance\")","v":"Annual deposits reduced by insurance premium"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"No critical illness\",\"Sans maladie grave\")","v":"No critical illness"},null,null,{"$f":"IF('Data Entry'!B36=\"English\",IF(Variables!E4<>\"Not included\",\"Portfolio with return of premium on cancellation or expiry (ROPC/E)\",\"Portfolio reduced by insurance premium\"),IF(Variables!E4<>\"Not included\",\"Portefeuille avec Remboursement des primes à la résiliation ou à l’expiration (RDPR/E)\",\"Portefeuille réduit de la prime d'assurance\"))","v":"Portfolio with return of premium on cancellation or expiry (ROPC/E)"}]

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[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",IF(ROPYrStr<>\"Not included\",\"Sun CII with \"&ROPYrStr,\"Sun CII\"),IF(ROPYrStr<>\"Not included\",\"AMG Sun Life avec \"&Variables!F4,\"AMG Sun Life\"))","v":"Sun CII with ROPC/E - 15 years"},null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",CINeed,TEXT(CINeed,\"### ### ##0_-$\"))","v":250000}]
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[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Tax rate:\",\"Taux d’imposition\")","v":"Tax rate:"},null,null,{"$f":"IF('Data Entry'!B36=\"English\",RegTax_Rate,SUBSTITUTE(TEXT(RegTax_Rate,\"#0.00 %\"),\".\",\",\"))","v":0.35},{"$f":"IF('Data Entry'!B36=\"English\",Tax,SUBSTITUTE(TEXT(Tax,\"#0.00 %\"),\".\",\",\"))","v":0.35},null,{"$f":"IF('Data Entry'!B36=\"English\",CHAR(185)&\" It is assumed that the critical illness occurs at age \"&CIYr&\" .\",CHAR(185)&\" En supposant que la maladie grave survient à \"&CIYr&\" ans.\")","v":"¹ It is assumed that the critical illness occurs at age 55 ."}]
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[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Scenario descriptions and results\",\"Description des scénarios et résultats\")","v":"Scenario descriptions and results"},null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"Portfolio value at age \"&IllustrateToAge,\"Valeur du portefeuille à \"&IllustrateToAge& \" ans\")&CHAR(178)","v":"Portfolio value at age 71²"},{"$f":"IF('Data Entry'!B36=\"English\",\"Impact at age \" & IllustrateToAge,\"Impact à \" & IllustrateToAge&\" ans\")","v":"Impact at age 71"}]
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[null,null,null,null,{"$f":"CHAR(178)&IF('Data Entry'!B36=\"English\",\" The portfolio value may be a mix of taxed assets and yet-to-be-taxed registered assets.\"&\" The withdrawals illustrated begin with non-registered assets, and will deplete those assets completely, if needed, before withdrawing registered assets.\"&\" The potential impacts of investment portfolio withdrawals and the tax consequences of selling registered and non-registered assets should be discussed with your tax professional.\",\"Le portefeuille peut combiner des actifs imposés et d’autres qui n’ont pas encore été imposés.\"&\" Les retraits indiqués sont d’abord faits des actifs non enregistrés, jusqu’au retrait complet des fonds (au besoin), puis des actifs enregistrés.\"&\" Vous devriez consulter un spécialiste en fiscalité pour discuter des répercussions possibles des retraits du portefeuille de placements et des conséquences fiscales à la vente d’actifs enregistrés et non enregistrés.\")","v":"² The portfolio value may be a mix of taxed assets and yet-to-be-taxed registered assets. The withdrawals illustrated begin with non-registered assets, and will deplete those assets completely, if needed, before withdrawing registered assets. The potential impacts of investment portfolio withdrawals and the tax consequences of selling registered and non-registered assets should be discussed with your tax professional."}]
[null,null,null,null,{"$f":"IF(Tables!L1>=1,IF('Data Entry'!B36=\"English\",\"* You will not have enough savings to meet your needs. You might have to borrow or sell assets to cover the shortfall. For your specific situation, please consult your own tax and legal advisors.\",\"* Vous n'aurez pas assez d'économies pour répondre à vos besoins. Vous devrez peut-être emprunter ou vendre des actifs pour couvrir le déficit. Pour votre situation spécifique, veuillez consulter vos propres conseillers fiscaux et juridiques.\"),\"\")","v":""}]
[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"ABOUT THIS PRESENTATION\",\"À PROPOS DE CE DOCUMENT\")","v":"ABOUT THIS PRESENTATION"}]
[]
[null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"This presentation was prepared for information purposes only. It is not an insurance contract or an offer to provide insurance.\"&\" It does not form any part of any policy that may be issued and is not intended to provide or replace professional legal or tax advice.\"&\" Tax rates illustrated in this illustration are for illustrative purposes only, and are subject to change without notice. Portfolio investment returns assumed are not guaranteed, certain to change over time and are for illustrative purposes only.\"&\" For your specific situation, please consult your own tax and legal advisors. This presentation is based on values from the critical illness insurance illustration with the same date accompanying this presentation.\"&\" Read this presentation together with the product illustration as it is incomplete without them. Unless specifically stated, the values and rates presented are not guaranteed.\",\"Ce document est fourni à titre indicatif seulement. Il ne s'agit pas d'un contrat d'assurance ni d'une offre d'assurance.\"&\" Il ne fait partie pas partie d'un contrat qui pourrait être établi ultérieurement et son objet n'est pas de fournir ni de remplacer les conseils juridiques ou fiscaux d'un professionnel.\"&\" Les taux d’imposition sont présentés à titre indicatif seulement et peuvent changer à tout moment sans préavis.\"&\" Les rendements présumés des placements ne sont pas garantis; ils évolueront au fil du temps et sont présentés à titre d’exemple. Vos conseillers juridiques et fiscaux sauront vous renseigner sur votre situation personnelle.\"&\" Les valeurs qui figurent dans ce document sont basées sur les valeurs tirées de l’aperçu d’assurance maladies graves ci-joint produit à la même date.\"&\" Ce document est incomplet sans l’aperçu du produit. Vous devez donc le lire avec l’aperçu. À moins d’indication contraire, les valeurs et les taux indiqués ne sont pas garantis.\")","v":"This presentation was prepared for information purposes only. It is not an insurance contract or an offer to provide insurance. It does not form any part of any policy that may be issued and is not intended to provide or replace professional legal or tax advice. Tax rates illustrated in this illustration are for illustrative purposes only, and are subject to change without notice. Portfolio investment returns assumed are not guaranteed, certain to change over time and are for illustrative purposes only. For your specific situation, please consult your own tax and legal advisors. This presentation is based on values from the critical illness insurance illustration with the same date accompanying this presentation. Read this presentation together with the product illustration as it is incomplete without them. Unless specifically stated, the values and rates presented are not guaranteed."}]

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[]
[null,null,null,{"$f":"Tables!C3","v":"Scenario A - No CII Insurance & Don't get a critical illness"}]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"The graph shows the combined projected value of your registered and non-registered savings assuming a \"&Tables!H1&\" pre-tax growth rate for registered assets and a \"&Tables!H2&\" pre-tax growth rate for non-registered assets. With the current plan, you’ll have about \"&Tables!C1&\" at age \"& CIYr&\".\"&CHAR(179)&\" If you wait until age \"&IllustrateToAge&\" to convert your RRSP to a registered retirement income fund, you’ll have about \"&Tables!C2&\".⁴\",\"Le graphique montre la valeur projetée de votre épargne enregistrée et non enregistrée. On suppose que le taux de croissance avant impôt est de \"&Tables!H1&\" pour les actifs enregistrés et de \"&Tables!H2&\" pour les actifs non enregistrés. Avec le plan actuel, vous aurez environ \"&Tables!C1&\" à \"& CIYr&\" ans.\"&CHAR(179)&\" Si vous attendez à \"&IllustrateToAge&\" ans pour convertir votre REER en fonds enregistré de revenu de retraite, vous aurez environ \"&Tables!C2&\".⁴\")","v":"The graph shows the combined projected value of your registered and non-registered savings assuming a 4.00% pre-tax growth rate for registered assets and a 4.00% pre-tax growth rate for non-registered assets. With the current plan, you’ll have about $607,151 at age 55.³ If you wait until age 71 to convert your RRSP to a registered retirement income fund, you’ll have about $1,283,245.⁴"}]
[]
[]
[]
[]
[null,null,null,{"$f":"Tables!D3","v":"Scenario B - No CII Insurance & Get a critical illness"}]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"The adjacent graph shows the projected value of your savings at age \"&IllustrateToAge&\" if you experience a serious health condition at age \"&CIYr&\". The projection uses the assumed expenses estimated at \"&Tables!I1&\" increased by inflation to \"&Tables!I2&\". Assuming a \"&Tables!H1&\" pre-tax growth rate for registered assets and a \"&Tables!H2&\" pre-tax growth rate for non-registered assets, you will have about \"&Tables!D2&\" at age \"&IllustrateToAge&\".⁵\"&\" This is about \"&Tables!D1&\" than the projected value of your original plan and significantly less than your retirement goals.\",\"Le graphique ci-contre montre la valeur projetée de votre épargne à l'âge de \"&IllustrateToAge&\" ans si vous tombez gravement malade à \"&CIYr&\" ans. On suppose que les dépenses s’élèvent au montant estimatif de \"&Tables!I2&\" (\"&Tables!I1&\" plus l’inflation ). En présumant un taux de croissance avant impôt de \"&Tables!H1&\" pour les actifs enregistrés et de \"&Tables!H2&\" pour les actifs non enregistrés, vous aurez environ \"&Tables!D2&\" à l’âge de \"&IllustrateToAge&\" ans,⁵\"&\" soit environ \"&Tables!D1&\" que la valeur projetée de votre plan original et beaucoup moins que vos objectifs de retraite.\")","v":"The adjacent graph shows the projected value of your savings at age 71 if you experience a serious health condition at age 55. The projection uses the assumed expenses estimated at $200,000 increased by inflation to $282,416. Assuming a 4.00% pre-tax growth rate for registered assets and a 4.00% pre-tax growth rate for non-registered assets, you will have about $615,549 at age 71.⁵ This is about $667,696 less than the projected value of your original plan and significantly less than your retirement goals."}]
[]
[]
[]
[]
[]
[null,null,null,{"$f":"Tables!E3","v":"Scenario C - Have CII Insurance & Get a critical illness"}]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"If you suffer from a covered condition at age \" &CIYr&\", you’ll receive the lump sum benefit of \"&Tables!J1&\". Having these tax-free funds reduces the likelihood you’ll need to withdraw these funds from your savings.⁶ At age \"&IllustrateToAge&\" you could achieve your retirement goal with \"&Tables!E2&\".⁷\"&\" This is about \"&Tables!E1&\" than if you’d suffered from a serious illness without critical illness insurance.\",\"Si vous souffrez d’une maladie grave couverte à l’âge de \" &CIYr&\" ans, vous recevrez la prestation de \"&Tables!J1&\"$ en une somme globale. Grâce à ces fonds libres d’impôt, vous risquez moins d’avoir à puiser dans votre épargne.⁶ À l’âge de \"&IllustrateToAge&\" ans, vous pourriez atteindre votre objectif de retraite avec \"&Tables!E2&\".⁷\"&\" Cela représente environ \"&Tables!E1&\" que si vous étiez tombé gravement malade sans la protection d’une AMG.\")","v":"If you suffer from a covered condition at age 55, you’ll receive the lump sum benefit of $250,000. Having these tax-free funds reduces the likelihood you’ll need to withdraw these funds from your savings.⁶ At age 71 you could achieve your retirement goal with $1,245,370.⁷ This is about $629,821 more than if you’d suffered from a serious illness without critical illness insurance."}]
[]
[]
[]
[]
[null,null,null,{"$f":"Tables!F3","v":"Scenario D - Have CII Insurance & Don't get a critical illness & Receive ROPC/E"}]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"If you do not suffer a serious illness and cancel your policy at age \"&IllustrateToAge&\", you\"&IF(Variables!E4<>\"Not included\",\" will receive the returnable premium amount bringing\",\" will bring\")&\" your assets to about \"&Tables!F2&\".⁸\"&\" You will have successfully protected your assets during these important years of accumulation while still achieving your retirement savings goal.\",\"Si vous ne tombez pas gravement malade et résiliez votre contrat à l’âge de \"&IllustrateToAge&IF(Variables!E4<>\"Not included\",\" ans, vous recevrez le montant des primes remboursables, ce qui fera passer votre actif à environ \n\",\" ans, ce qui fera passer votre actif à environ \")&Tables!F2&\".⁸\"&\" Vous aurez réussi à protéger votre actif pendant les années importantes d’accumulation tout en réalisant votre objectif de retraite.\")","v":"If you do not suffer a serious illness and cancel your policy at age 71, you will receive the returnable premium amount bringing your assets to about $1,283,245.⁸ You will have successfully protected your assets during these important years of accumulation while still achieving your retirement savings goal."}]
[]
[]
[]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"³ It is assumed that the assets values include \"&Tables!R1&\" and \"&Tables!S1&\" based on the assumptions in this illustration. Actual experience may differ. \",\"³ On suppose que la valeur des actifs comprend \"&Tables!R1&\" et \"&Tables!S1&\",  d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \")","v":"³ It is assumed that the assets values include $520,803 registered assets and $86,348 non-registered assets based on the assumptions in this illustration. Actual experience may differ. "}]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"⁴ It is assumed that the assets values include \"&Tables!T1&\" and \"&Tables!U1&\" based on the assumptions in this illustration. Actual experience may differ. \",\"⁴ On suppose que la valeur des actifs comprend \"&Tables!T1&\" et \"&Tables!U1&\",  d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \")","v":"⁴ It is assumed that the assets values include $1,131,545 registered assets and $151,700 non-registered assets based on the assumptions in this illustration. Actual experience may differ. "}]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"⁵ It is assumed that the assets values include \"&Tables!V1&\" and \"&Tables!W1&\" based on the assumptions in this illustration. Actual experience may differ. \",\"⁵ On suppose que la valeur des actifs comprend \"&Tables!V1&\" et \"&Tables!W1&\",  d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \")","v":"⁵ It is assumed that the assets values include $594,049 registered assets and $21,500 non-registered assets based on the assumptions in this illustration. Actual experience may differ. "}]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"⁶ It is assumed that the critical illness insurance benefit is tax free based on the interpretation of the Income Tax Act and may be subject to change.\",\"⁶ On suppose que la prestation d’AMG est libre d’impôt, d’après notre interprétation de la Loi de l’impôt sur le revenu, laquelle peut changer. \")","v":"⁶ It is assumed that the critical illness insurance benefit is tax free based on the interpretation of the Income Tax Act and may be subject to change."}]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",\"⁷ It is assumed that the assets values include \"&Tables!X1&\" and \"&Tables!Y1&\" based on the assumptions in this illustration. Actual experience may differ. \",\"⁷ On suppose que la valeur des actifs comprend \"&Tables!X1&\" et \"&Tables!Y1&\" , d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \")","v":"⁷ It is assumed that the assets values include $1,096,483 registered assets and $148,887 non-registered assets based on the assumptions in this illustration. Actual experience may differ. "}]
[null,null,null,null,{"$f":"IF('Data Entry'!B36=\"English\",IF(Variables!E4<>\"Not included\",\"⁸ It is assumed that the assets values include \"&Tables!Z1&\", \"&Tables!AA1&\" and \"&Tables!AB1&\" based on the assumptions in this illustration. Actual experience may differ. \",\"⁸ It is assumed that the assets values include \"&Tables!Z1&\" and \"&Tables!AA1&\" based on the assumptions in illustration. Actual experience may differ. \"),IF(Variables!E4<>\"Not included\",\"⁸ On suppose que la valeur des actifs comprend \"&Tables!Z1&\", \"&Tables!AA1&\" et un \"&Tables!AB1&\", d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \",\"⁸ On suppose que la valeur des actifs comprend \"&Tables!Z1&\", \"&Tables!AA1&\", d’après les hypothèses du présent aperçu. Les résultats techniques réels peuvent être différents. \"))","v":"⁸ It is assumed that the assets values include $1,131,545 registered assets, $151,700 non-registered assets and $0 ROPC/E value based on the assumptions in this illustration. Actual experience may differ. "}]

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[{"$f":"TODAY()","v":"2022-03-14"},{"$f":"MOD(DATE(2007,2,25)-A1,7)+A1-7","v":"2022-03-13"},null,null,"Tool Version:"]
["User","Date","Age","Gender","SStatus","AnnualIncome","SalIn","ROPC/E","IlustrateToAge","RegBal","RegDep","RegYears","RegGrowthBeforeTax","NonRegBal","NonRegDep","NonRegYears","NonRegGrowthBeforeTax","RegTaxRate","NonRegTaxRate","IllnessAge","# Months Income Replacement","Income Replacement Percentage","Health Care","Home Care","Health & Home Care Inflation Rate","CI Need","CII Insurance","CII Years","CII Premium"]