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["Tax Rates 2026"]
[]
["Province","Top marginal tax rate on capital gains","Top marginal tax rate on non-eligible dividends ","Corporate investment income tax for CCPCs","Top marginal tax rate on ordinary income","Top marginal tax rate on eligible dividends "]
["None",25,45,50,50,35]
["AB",24,42.3,46.67,48,34.31]
["BC",26.75,48.89,50.67,53.5,36.54]
["MB",25.2,46.67,50.67,50.4,37.78]
["NB",26.65,46.83,52.67,52.5,32.4]
["NL",27.4,48.96,53.67,54.8,46.2]
["NS",27,49.99,52.67,54,41.58]
["NT",23.53,36.82,50.17,47.05,28.33]
["NU",22.25,37.79,50.67,44.5,33.08]
["ON",26.77,47.74,50.17,53.53,39.340000000000003]
["PE",26,47.92,54.67,52,36.54]
["QC",26.66,48.7,50.17,53.31,40.11]
["SK",23.75,41.34,50.67,47.5,29.64]
["YT",24,44.04,50.67,48,28.92]

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[]
[null,null,null,"Permanent life insurance has always been an exceptional estate planning tool, and in this presentation, we will evaluate the additional merits of permanent life insurance as an asset class."]
[null,null,null,{"$f":"UPPER(\"An introduction to permanent life insurance\")","v":"AN INTRODUCTION TO PERMANENT LIFE INSURANCE"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Positive income",null,null,{"$f":"UPPER(TEXT(TODAY(), \"mmmmmmmmm dd, yyyy\"))","v":"MAY 08, 2026"},{"$f":"UPPER(TEXT(TODAY(), \"mmmmmmmmm dd, yyyy\"))","v":"MAY 08, 2026"}]
[]
[null,null,null,"Permanent life insurance demonstrates all essential characteristics of an asset class, operating within a comprehensive regulatory framework. What distinguishes it is its unique dual nature: simultaneously providing mortality protection and wealth accumulation. When structured and funded appropriately, it functions as a tax-advantaged wealth vehicle. The death benefit offers estate liquidity and legacy planning, and the cash value provides growth potential, portfolio diversification, and capital access. This is all within a tax-preferred structure that can enhance after-tax returns relative to comparable taxable investments.\n\nParticipating whole life insurance (Par) represents the permanent insurance planning that many advisors and clients are more familiar with. It provides guaranteed lifetime coverage supported by three key guarantees: premium amounts, minimum cash values, and death benefit levels. These guarantees remain in force provided the policyowner maintains the required premium payments.\n\nUniversal life insurance (UL) offers a different structure characterized by greater transparency and flexibility compared to Par. It clearly separates insurance charges from the investment component, creating transparency that enables policyowners to track precisely how their deposits flow through the policy. "]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"`"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Note: The diversified asset mix is calculated as of year 1, using the sum of all insurance premiums. This calculation does not factor in any investment growth, additional funding, rebalancing, or insurance benefits."]
[]
[]
[null,null,null,"To achieve the same net to estate benefits as a portfolio diversified with insurance, other asset classes may require higher rates of return.",null,null,null,null,null,null,null,{"$f":"IF(Calculations!AT44=TRUE,IFERROR(Scenario1!EJ1,\"\"),IFERROR(Scenario1!EJ1,\"\")\n&IFERROR(\" and \"&Scenario2!EJ1,\"\"))","v":"Sun Par Protector II and SunUniversalLife II"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Client’s current portfolio","Portfolio diversified with insurance"]
[null,null,null,null,null,null,null,null,null,null,"Initial value",null,{"$f":"TEXT(Calculations!AT50,\"#,###,###\")","v":"5,000,000"},{"$f":"TEXT(Calculations!AU66,\"#,###,###\")&\" Remaining investment \"","v":"4,100,004 Remaining investment "}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Investment value",{"$f":"TEXT(IFERROR(Calculations!BA4,0)+IFERROR(Calculations!BA5,0),\"#,###,###\")&\" Death benefit\"","v":"2,202,939 Death benefit"}]
[null,null,null,null,null,null,null,null,null,null,"Initial annual premium/ payment",null,"-",{"$f":"TEXT(IFERROR(Scenario1!EJ7,0)+IFERROR(Scenario2!EJ7,0),\"#,###,###\")","v":"90,000"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Collateral value in year \"&(Calculations!AS12)","v":"Collateral value in year 25"},null,{"$f":"VLOOKUP(Calculations!AS12,'Summary Page'!D26:J125,4)","v":7066197.4377585473},null,{"$f":"VLOOKUP(Calculations!AS12,'Summary Page'!D26:O125,12)","v":7221954.9962555785}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculations!AT35=TRUE,\"Corporate value in year \",\"Asset value in year \")&(Calculations!AS2)","v":"Corporate value in year 35"},null,{"$f":"TEXT(IFERROR(VLOOKUP(Calculations!AS2,'Summary Page'!D26:X125,3),0),\"#,###,###\")","v":"17,985,787"},{"$f":"TEXT(IFERROR(VLOOKUP(Calculations!AS2,'Summary Page'!D26:X125,14),0),\"#,###,###\")&\" Remaining investment \"","v":"15,542,915 Remaining investment "}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Investment value",{"$f":"TEXT(Calculations!BA7+Calculations!BA8,\"#,###,###\")&\" Cash surrender value\"","v":"2,439,089 Cash surrender value"}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculations!AT35=TRUE,\"Capital dividend account in year \"&(Calculations!AS2),\"Collateral value in year \"&(Calculations!AS2))","v":"Capital dividend account in year 35"},null,{"$f":"IF(Calculations!AT35=TRUE,VLOOKUP(Calculations!AS2,'Summary Page'!D26:J125,5),VLOOKUP(Calculations!AS2,'Summary Page'!D26:J125,4))","v":5206925.5885922369},null,{"$f":"IF(Calculations!AT35=TRUE,VLOOKUP(Calculations!AS2,'Summary Page'!D26:T125,17),VLOOKUP(Calculations!AS2,'Summary Page'!D26:O125,12))","v":8851177.4221587535}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"Net to estate in year \"&Calculations!AS2","v":"Net to estate in year 35"},null,{"$f":"VLOOKUP(Calculations!AS2,'Summary Page'!D28:J128,6)","v":14671362.110374806},null,{"$f":"IFERROR(VLOOKUP(Calculations!AS2,'Summary Page'!D26:X125,20),0)","v":16959318.431396555}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"\"IRR in year \"&Calculations!AS2","v":"IRR in year 35"},null,{"$f":"VLOOKUP(Calculations!AS2,'Summary Page'!D28:J128,7)","v":3.1233838144872905E-2},null,{"$f":"IFERROR(VLOOKUP(Calculations!AS2,'Summary Page'!D26:X125,21),0)","v":3.5512587774909843E-2}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(\"The collateral values are based on the following loan-to-value ratios: \",Calculations!BA51,Calculations!BA52,Calculations!BA53,Calculations!BA54,Calculations!BA55,Calculations!AZ53)&\". This tool's calculation excludes post-mortem planning strategies and related considerations.\"","v":"The collateral values are based on the following loan-to-value ratios: 100% cash, 90% fixed income, 50% equities, 65% real estate, 0% alternative investments, 90% Par cash surrender value and 75% UL cash surrender value. This tool's calculation excludes post-mortem planning strategies and related considerations."}]

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[]
[null,null,null,"Let’s compare the client’s current portfolio to one diversified with insurance and see how they perform in three areas: relative levels of risk, estate benefits, and liquidity as an interim benefit."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"UPPER(TEXT(TODAY(), \"mmmmmmmmm dd, yyyy\"))","v":"MAY 08, 2026"},{"$f":"UPPER(TEXT(TODAY(), \"mmmmmmmmm dd, yyyy\"))","v":"MAY 08, 2026"}]
[null,null,null,null,{"$f":"UPPER(\"Capital preservation and risk analysis\")","v":"CAPITAL PRESERVATION AND RISK ANALYSIS"},null,null,null,null,{"$f":"UPPER(\"Estate value analysis \")","v":"ESTATE VALUE ANALYSIS "},null,null,null,null,null,"LIQUIDITY ANALYSIS"]
[null,null,null,"IMPACT ON INVESTMENT RISK AND VOLATILITY"]
[null,null,null,{"$f":"CONCATENATE(\"Let’s examine the client’s potential future portfolio asset mix and its risk/return profile.\",\" For this analysis, we assume the client’s current non-registered investment portfolio remains unchanged, with no rebalancing or divesting occurring.\",\" For the portfolio diversified with insurance, we assume the existing investment portfolio is used to fund all insurance premiums.\")","v":"Let’s examine the client’s potential future portfolio asset mix and its risk/return profile. For this analysis, we assume the client’s current non-registered investment portfolio remains unchanged, with no rebalancing or divesting occurring. For the portfolio diversified with insurance, we assume the existing investment portfolio is used to fund all insurance premiums."},{"$f":"CONCATENATE(\"When comparing portfolios, the question transcends simple return maximization.\",\" “Which portfolio earns more?” becomes less relevant than “Which portfolio demonstrates superior resilience?”\",\" Standard deviation provides a straightforward measure of this robustness, quantifying how much portfolio values fluctuate around average returns.\")","v":"When comparing portfolios, the question transcends simple return maximization. “Which portfolio earns more?” becomes less relevant than “Which portfolio demonstrates superior resilience?” Standard deviation provides a straightforward measure of this robustness, quantifying how much portfolio values fluctuate around average returns."},null,null,null,null,"Permanent life insurance demonstrates all essential characteristics of an asset class, operating within a comprehensive regulatory framework. What distinguishes it is its unique dual nature: simultaneously providing mortality protection and wealth accumulation. When structured and funded appropriately, it functions as a tax-advantaged wealth vehicle. The death benefit offers estate liquidity and legacy planning, and the cash value provides growth potential, portfolio diversification, and capital access. This is all within a tax-preferred structure that can enhance after-tax returns relative to comparable taxable investments.",null,null,null,null,null,"A common concern among clients contemplating permanent insurance centers on liquidity reduction. The perception is that allocating capital to insurance inevitably diminishes access to funds. Comparing collateral value often reveals a more nuanced reality. Permanent insurance offer several main options for accessing liquidity: \n\n1. Policy loans: Insurers offer policy loans against the policy’s cash values. However, these may have tax consequences.\n\n2. Third-party collateral loans: Clients may use the policy’s cash value as collateral to borrow from a third party.\n\n3. Partial or full withdrawals: Clients may withdraw partially or fully from the policy, collecting the cash surrender values. This option may also have tax consequences."]
[]
[]
[]
[null,null,null,null,{"$f":"CONCATENATE(\"With exceptionally low correlation to typical assets, insurance can often reduce overall portfolio volatility while maintaining or enhancing expected internal rate of return (IRR).\",\" The lower standard deviation means the portfolio diversified with insurance experiences less extreme swings in value, providing more consistent growth even during market downturns.\")","v":"With exceptionally low correlation to typical assets, insurance can often reduce overall portfolio volatility while maintaining or enhancing expected internal rate of return (IRR). The lower standard deviation means the portfolio diversified with insurance experiences less extreme swings in value, providing more consistent growth even during market downturns."}]
[]
[]
[null,null,null,null,null,{"$f":"'Introduction Page'!$M$27","v":"Client’s current portfolio"},{"$f":"'Introduction Page'!$N$27","v":"Portfolio diversified with insurance"}]
[null,null,null,null,{"$f":"\"IRR in year \"&Calculations!$AS$2","v":"IRR in year 35"},{"$f":"'Introduction Page'!$M$36","v":3.1233838144872905E-2},{"$f":"'Introduction Page'!$O$36","v":3.5512587774909843E-2}]
[null,null,null,null,"Standard deviation",{"$f":"'Portfolio Risk'!$A$41/100","v":7.3490947053361608E-2},{"$f":"'Portfolio Risk'!$A$45/100","v":7.2791484993009248E-2}]
[]
[null,null,null,null,{"$f":"CONCATENATE(\"With a starting portfolio size of \",TEXT(Calculations!AT50,\"$0,000\"),\", how might the changing IRR and standard deviation affect the portfolio's growth trajectory over time?\")","v":"With a starting portfolio size of $5,000,000, how might the changing IRR and standard deviation affect the portfolio's growth trajectory over time?"},null,null,null,null,{"$f":"CONCATENATE(\"By diversifying an investment portfolio with insurance, the clients could potentially save \",TEXT(Calculations!DX2,\"$#,###,##0\"),\" in taxes — \",TEXT(Calculations!DV2,\"$#,###,##0\"),\" during their lifetime and \",TEXT(Calculations!DW2,\"$#,###,##0\"),\" upon death in year \",Calculations!AS2,\".\")","v":"By diversifying an investment portfolio with insurance, the clients could potentially save $1,881,240 in taxes — $771,286 during their lifetime and $1,109,955 upon death in year 35."}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tax on death"]
[null,null,null,null,null,null,null,null,null,null,"Current portfolio",null,{"$f":"TEXT(Calculations!DT2,\"$#,###,##0\")","v":"$7,397,642"}]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"TEXT(Calculations!DT1,\"$#,###,##0\")&\" tax on income\"","v":"$5,642,085 tax on income"},null,"Net to estate"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TEXT('Introduction Page'!M35,\"$#,###,##0\")","v":"$14,671,362"}]
[]
[null,null,null,null,null,null,null,null,null,null,"Diversified portfolio"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tax on death",null,null,"In addition, UL has built-in liquidity features where clients can withdraw a portion of their investment account while disabled, ill, or injured, all tax-free under current tax rules. Similarly, for joint-last-to-die policies, the surviving policyowner can access up to 100% of the investment account tax-free at the loss of the first spouse.\n\nPar clients have the option to receive par dividends as cash."]
[null,null,null,null,null,null,null,null,null,null,{"$f":"TEXT(Calculations!DN1,\"$#,###,##0\")&\" tax on income\"","v":"$4,870,799 tax on income"},null,{"$f":"TEXT(Calculations!DN2,\"$#,###,##0\")","v":"$6,287,687"}]
[]
[null,null,null,null,null,null,null,null,null,null,"Insurance",null,"Net to estate"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TEXT('Introduction Page'!O35,\"$#,###,##0\")","v":"$16,959,318"}]
[null,null,null,null,null,null,null,null,null,null,"No tax on growth"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Par policies allow clients to receive par dividends in cash."]

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[]
[]
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[null,null,null,"Assumptions"]
[null,null,null,"Investment Initial Balance",null,null,null,null,{"$f":"Calculations!AT50","v":5000000}]
[]
[null,null,null,null,null,"Current portfolio",null,null,"Diversified with insurance",null,null,"Loan-to-value ratio","Return","Std Dev",null,null,"Product Name",null,null,null,{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",Scenario1!EJ1),\"\")","v":"Sun Par Protector II"},{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),Scenario1!EJ1,\"\"),\"\")","v":""},null,{"$f":"IF(Calculations!AT43=TRUE,Scenario2!EJ1,\"\")","v":"SunUniversalLife II"}]
[null,null,null,"Cash",null,null,{"$f":"Calculations!$AT$51/100","v":0.26},null,{"$f":"Calculations!AU67","v":0.26},null,null,{"$f":"Calculations!$AY$51","v":1},{"$f":"Calculations!$AU$51/100","v":2.75E-2},{"$f":"Calculations!$AV$51/100","v":6.8999999999999999E-3},null,null,"Interest Rate/Dividend Scale",null,null,null,{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",Scenario1!EJ6&Scenario1!EJ20)","v":"Current minus 1%"},{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),Scenario1!EJ6&Scenario1!EJ20,\"\")","v":""},null,{"$f":"IF(Calculations!AT43=TRUE,Scenario2!EJ6&Scenario2!EJ20,\"\")","v":"Primary rate 5.90%"}]
[null,null,null,"Fixed Income",null,null,{"$f":"Calculations!$AT$52/100","v":0.18},null,{"$f":"Calculations!AU68","v":6.4000780000000035E-2},null,null,{"$f":"Calculations!$AY$52","v":0.9},{"$f":"Calculations!$AU$52/100","v":3.7499999999999999E-2},{"$f":"Calculations!$AV$52/100","v":5.0700000000000002E-2},null,null,"Initial Total Premium/ Payment",null,null,null,{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",Scenario1!EJ7),\"\")","v":50000},{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),Scenario1!EJ7,\"\"),\"\")","v":""},null,{"$f":"IF(Calculations!AT43=TRUE,Scenario2!EJ7,\"\")","v":40000}]
[null,null,null,"Equities",null,null,{"$f":"Calculations!$AT$53/100","v":0.22},null,{"$f":"Calculations!AU71","v":0.156},null,null,{"$f":"Calculations!$AY$53","v":0.5},{"$f":"Calculations!$AU$53/100","v":6.4100000000000004E-2},{"$f":"Calculations!$AV$53/100","v":0.1363},null,null,"Initial Face Amount",null,null,null,{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",Scenario1!EJ10),\"\")","v":940796},{"$f":"IFERROR(IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),Scenario1!EJ10,\"\"),\"\")","v":""},null,{"$f":"IF(Calculations!AT43=TRUE,Scenario2!EJ10,\"\")","v":1262143}]
[null,null,null,"Real Estate",null,null,{"$f":"Calculations!$AT$54/100","v":0.19},null,{"$f":"Calculations!AU72","v":0.19},null,null,{"$f":"Calculations!$AY$54","v":0.65},{"$f":"Calculations!$AU$54/100","v":7.1900000000000006E-2},{"$f":"Calculations!$AV$54/100","v":0.15720000000000001},null,null,{"$f":"IF(Calculations!$AT$35=TRUE,\"Corporate Investment Tax Rate\",\"Marginal Tax Rate on Income\")","v":"Corporate Investment Tax Rate"},null,null,null,{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",IF(Calculations!AT35=TRUE,Calculations!AT37/100,Calculations!AT39/100))","v":0.4667},{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),IF(Calculations!AT35=TRUE,Calculations!AT37/100,Calculations!AT39/100),\"\")","v":""}]
[null,null,null,"Alternative Investment",null,null,{"$f":"Calculations!$AT$55/100","v":0.15},null,{"$f":"Calculations!AU73","v":0.15},null,null,{"$f":"Calculations!$AY$55","v":0},{"$f":"Calculations!$AU$55/100","v":5.1500000000000004E-2},{"$f":"Calculations!$AV$55/100","v":0.21059999999999998},null,null,{"$f":"IF(Calculations!$AT$35=TRUE,\"Shareholder Dividend Tax Rate\",\"Marginal Tax Rate on Dividend\")","v":"Shareholder Dividend Tax Rate"},null,null,null,{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),\"\",IF(Calculations!AT35=TRUE,Calculations!AT38/100,Calculations!AT38/100))","v":0.42299999999999999},{"$f":"IF(AND(Calculations!AU13=\"1\",Calculations!AT35=FALSE),IF(Calculations!AT35=TRUE,Calculations!AT38/100,Calculations!AT38/100),\"\")","v":""}]
[null,null,null,{"$f":"Calculations!AS69","v":"Par"},null,null,null,null,null,{"$f":"Calculations!AU69","v":9.9999219999999986E-2},null,{"$f":"IF(Calculations!$AZ$4=\"YES\",Calculations!$AZ$51,Calculations!$AZ$52)","v":0.9}]
[null,null,null,{"$f":"Calculations!AS70","v":"UL"},null,null,null,null,null,{"$f":"IF(D15<>\"\",Calculations!AU70,\"\")","v":0.08},null,{"$f":"IF($D$15<>\"\",IF(Calculations!$AZ$5=\"YES\",Calculations!$AZ$51,Calculations!$AZ$52),\"\")","v":0.75}]
[]
[null,null,null,"Comparison of values"]
[null,null,null,{"$f":"IFERROR(CONCATENATE(\"The following ledger provides a comparison between two portfolios: the client’s current non-registered investment portfolio without additional funding, rebalancing, or divesting, and a portfolio diversified with \",IF(Calculations!AT43=TRUE,Scenario1!EJ1&\" and \"&Scenario2!EJ1,Scenario1!EJ1),\" for a \",IF(Calculations!AS29=\"\",Calculations!AT28&\"-year-old \"&Calculations!AV28&\" \"&Calculations!AU28,Calculations!AT28&\"-year-old \"&Calculations!AV28&\" \"&Calculations!AU28&\" and \"&Calculations!AT29&\"-year-old \"&Calculations!AV29&\" \"&Calculations!AU29),IF(Calculations!AT35=TRUE,\" corporate policy.\",\" personal policy.\")),\"\")","v":"The following ledger provides a comparison between two portfolios: the client’s current non-registered investment portfolio without additional funding, rebalancing, or divesting, and a portfolio diversified with Sun Par Protector II and SunUniversalLife II for a 55-year-old male non-smoker and 50-year-old female non-smoker corporate policy."}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Introduction Page'!L26","v":"Sun Par Protector II and SunUniversalLife II"}]
[]
[null,null,null,null,null,{"$f":"'Introduction Page'!M27","v":"Client’s current portfolio"},null,null,null,null,null,null,"Collateral value",null,null,null,"Estate value"]
[null,null,null,null,null,"Portfolio","Total",null,"Net","IRR on",null,"Transfer to"," Remaining","Cash","Total",null," Remaining",{"$f":"IF(Calculations!AZ4=\"Yes\",\"Par\",\"UL\")","v":"Par"},{"$f":"IF(Calculations!AZ5=\"Yes\",\"Par\",\"UL\")","v":"UL"},null,"Asset","Insurance","Total","IRR on"]
[null,null,null,null,null,"Asset ","Collateral","Total","to","Net to",null,"Insurance","Portfolio","Value","Collateral",null,"Asset ","Death","Death","Total","Net to","Net to","Net to","Net to"]
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[]
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[]
[]
[null,null,null,"About this presentation"]
[]
[null,null,null,"This presentation is for information purposes only and does not constitute an insurance contract or offer. It is not part of any policy and should not be considered professional legal or tax advice. Consult your tax and legal advisors for guidance specific to your situation. Unless explicitly stated, none of the values, rates or figures shown in this presentation are guaranteed. They are based on assumptions that are subject to change and do not represent estimates or guarantees of future performance. Actual results may differ from those shown, depending on future experience. This presentation should be read in conjunction with the accompanying product illustrations dated the same as this presentation, as it is incomplete without them. "]
[null,null,null,"Asset assumptions: This tool uses the 10-year asset class expected returns, volatility, and correlations as published by Sun Life Global Investments Institutional Capital Market Assumptions published in July 2025. https://www.slgiinstitutional.com/en/news-and-insights/insights/capital-market-assumptions/ The corresponding asset classes are: cash is “cash”, fixed income is “Canadian bonds”, equity is “Canadian equity”, real estate is “global developed REITs”, and alternative investment is “commodities”."]
[null,null,null,"Asset transfer strategy: This tool assumes an asset transfer strategy, where premiums are paid by transferring a portion of the client’s assets from their non-registered investment portfolio to the life insurance policy. For the portion of UL investment account allocated to an equity fund, the order of liquidating investment portfolio to pay for insurance premiums is assumed to be the following: equity, fixed income, cash, alternative investment, then real estate. For Par and the portion of UL investment account allocated to Sun Life Diversified Account, the order of liquidating investment portfolio to pay for insurance premiums is assumed to be the following: fixed income, equity, cash, alternative investment, then real estate."]
[null,null,null,"Tax assumptions: This tool assumes the following tax treatments for each asset classes. Cash is treated as income. Fixed income is treated as income. Equity is assumed to have 2% dividend yield while the rest are treated as unrealized capital gains with a 20% turnover rate. Real estate is assumed to have 3.50% income while the rest are treated as unrealized capital gains with a 20% turnover rate. Alternative investment is treated as unrealized capital gains with a 20% turnover rate. The tax treatments used in this presentation are based on the Income Tax Act of Canada and are not guaranteed as tax laws are subject to change."]

{"sheet":"UL","index":5,"n_rows":4,"n_cols":1,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
[]
["100% Sun Life Diversified Account"]
["Combination of SLDA and Equity"]
["100% Sun Life Equity Account"]

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["Fixed Income",{"$f":"_xlfn.XLOOKUP($A17,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.14000000000000001},{"$f":"_xlfn.XLOOKUP($A17,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A18,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.18},{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.45},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.37},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":4.6901298439264202E-2},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.12977291143744199},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.21338348629175399},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.18}]
["Equities",{"$f":"_xlfn.XLOOKUP($A18,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.05},{"$f":"_xlfn.XLOOKUP($A18,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.18},{"$f":"_xlfn.XLOOKUP($A18,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.52},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.69},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.7099880077399201E-2},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.2056736238593E-2},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.23524921790283501},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1}]
["Alternatives",{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.11},{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.45},{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.52},{"$f":"_xlfn.XLOOKUP($A19,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.15},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.10693786068229399},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.13373050865803701},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.28594185495746799},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.52}]
["Real Estate",{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.06},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.37},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.69},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.15},{"$f":"_xlfn.XLOOKUP($A20,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.10808013381657899},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":3.2290781420440999E-2},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.14746435661526799},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.69}]
["Par",{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.31857384774025899},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":4.6901298439264202E-2},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.7099880077399201E-2},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.10693786068229399},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.10808013381657899},{"$f":"_xlfn.XLOOKUP($A21,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.40015618991541602},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.118955525220051},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.7099880077399201E-2}]
["UL1",{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.441825556592573},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.12977291143744199},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.2056736238593E-2},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.13373050865803701},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":3.2290781420440999E-2},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.40015618991541602},{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!H$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},null,{"$f":"_xlfn.XLOOKUP($A22,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!J$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.2056736238593E-2}]
["UL2",{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-9.5004502793649304E-2},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.21338348629175399},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.23524921790283501},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.28594185495746799},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.14746435661526799},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.118955525220051},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!H$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.18257226865339601},{"$f":"_xlfn.XLOOKUP($A23,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!I$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1}]
["UL3",{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!B$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.05},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!C$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.18},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!D$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!E$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.52},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!F$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":0.69},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!G$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.7099880077399201E-2},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!H$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-2.2056736238593E-2},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!I$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":-0.19},{"$f":"_xlfn.XLOOKUP($A24,'Correlation Matrix SLGI'!$A$3:$A$22,_xlfn.XLOOKUP('Portfolio Risk'!J$15,'Correlation Matrix SLGI'!$C$1:$V$1,'Correlation Matrix SLGI'!$C$3:$V$22))","v":1}]
[]
["Covariance"]
[null,"Cash","Fixed Income","Equities","Alternatives","Real Estate","Par","UL1","UL2","UL3"]
["Cash",{"$f":"VLOOKUP($A28,$B$4:$E$12,4,FALSE)*VLOOKUP(B$27,$B$4:$E$12,4,FALSE)*B16","v":0.47609999999999991},{"$f":"TRANSPOSE($B29:$B$36)","v":0.48976200000000003},-0.47023500000000001,-1.5984539999999998,-0.65080799999999994,-2.4179755043485657E-2,1.8291578042932518E-2,-1.0529102084308368,-0.47023500000000001]
["Fixed Income",{"$f":"VLOOKUP($A29,$B$4:$E$12,4,FALSE)*VLOOKUP(B$27,$B$4:$E$12,4,FALSE)*B17","v":0.48976200000000003},{"$f":"VLOOKUP($A29,$B$4:$E$12,4,FALSE)*VLOOKUP(C$27,$B$4:$E$12,4,FALSE)*C17","v":25.704900000000002},{"$f":"TRANSPOSE($C30:$C$36)","v":12.438738000000001},-48.048389999999998,29.489148,2.6156854139577648E-2,3.947691965926986E-2,-17.376680741698568,12.438738000000001]
["Equities",-0.47023500000000001,12.438738000000001,185.77690000000001,{"$f":"TRANSPOSE(D31:D36)","v":149.26485600000001},147.84188399999999,-4.0630850200044623E-2,-1.8037998895921354E-2,51.501763514749449,185.77690000000001]
["Alternatives",-1.5984539999999998,-48.048389999999998,149.26485600000001,443.52359999999993,{"$f":"TRANSPOSE(E32:E36)","v":49.659479999999995},-0.24773224805660224,-0.16898187074029555,96.723978819752006,149.26485600000001]
["Real Estate",-0.65080799999999994,29.489148,147.84188399999999,49.659479999999995,247.11840000000001,{"$f":"TRANSPOSE(F33:F36)","v":0.18689216739562842},3.0456665035759951E-2,37.233825433243048,147.84188399999999]
["Par",-2.4179755043485657E-2,2.6156854139577648E-2,-4.0630850200044623E-2,-0.24773224805660224,0.18689216739562842,1.21E-2,{"$f":"TRANSPOSE(G34:G36)","v":2.6410308534417456E-3},-0.2101722435382273,-4.0630850200044623E-2]
["UL1",1.8291578042932518E-2,3.947691965926986E-2,-1.8037998895921354E-2,-0.16898187074029555,3.0456665035759951E-2,2.6410308534417456E-3,3.5999999999999999E-3,{"$f":"TRANSPOSE(H35:H36)","v":-0.17594791257152362},-1.8037998895921354E-2]
["UL2",-1.0529102084308368,-17.376680741698568,51.501763514749449,96.723978819752006,37.233825433243048,-0.2101722435382273,-0.17594791257152362,257.9859842610939,{"$f":"I36","v":-41.595611475503532}]
["UL3",-0.47023500000000001,12.438738000000001,185.77690000000001,149.26485600000001,147.84188399999999,-4.0630850200044623E-2,-1.8037998895921354E-2,-41.595611475503532,185.77690000000001]
[]
[]
[]
["Portfolio Std Dev 1","Portfolio Return"]
[{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(F4:F12),B28:J36),F4:F12))","v":7.349094705336161},{"$f":"F4*D4+F5*D5+F6*D6+F7*D7+F8*D8+F9*D9+F10*D10+F11*D11+F12*D12","v":4.9388000000000005}]
[]
[]
["Portfolio Std Dev 2","Portfolio Return"]
[{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(G4:G12),B28:J36),G4:G12))","v":7.2791484993009243},{"$f":"G4*D4+G5*D5+G6*D6+G7*D7+G8*D8+G9*D9+G10*D10+G11*D11+G12*D12","v":5.0907188300000001}]

{"sheet":"UL AA Index List 2025","index":10,"n_rows":32,"n_cols":7,"rows_kept":32,"cut":false,"hidden":true,"merged":[]}
["Name","Base Currency","Inception Date","Return 2012-02-01 to 2025-09-30 CAD","Std Dev 2012-02-01 to 2025-09-30 CAD","Return 2017-01-01 to 2025-09-30 CAD","Std Dev 2017-01-01 to 2025-09-30 CAD"]
["FTSE Canada 91 Day TBill","Canadian Dollar","1953-01-30",2.75,0.69]
["FTSE Canada Universe Bond","Canadian Dollar","1985-12-31",3.75,5.07]
["S&P/TSX Capped Composite TR CAD","Canadian Dollar","1970-01-30",6.02,13.63]
["Credit Suisse Commodity Benchmark TR USD","US Dollar","1998-01-15",3.9102454852098845,16.061942107388319]
["FTSE EPRA Nareit Developed TR USD","US Dollar","2005-02-28",7.19,15.72]
["S&P GSCI TR USD","US Dollar","1991-04-11",5.15,21.06]
["Sun Life Par Portfolio","Canadian Dollar","2011-03-31",6.47,0.11]
["Sun Life Diversified Account","Canadian Dollar","2011-12-31",{"$f":"F9","v":3.87},{"$f":"G9","v":0.06},3.87,0.06]
["UL Equity",null,null,6.02,13.63]
["Typical Asset Portfolio (UL)","Canadian Dollar","2011-12-31",6.51,5.33,5.9,5.96]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["^ All data in CAD equiv"]
["* Note MSCI Global Property Index and MSCI REALPAC Canada return data is quarterly while the rest is monthly."]
[]
["Typical Asset Portfolio (UL)","Proxy For","Weight"]
["FTSE Canada 91 Day TBill","Cash",0.34]
["FTSE Canada Universe Bond","Fixed Income",0.15]
["S&P/TSX Capped Composite TR CAD","Equities",0.23]
["FTSE EPRA Nareit Developed TR USD","Real Estate",0.15]
["S&P GSCI TR USD","Alternatives",0.13]
["^ Rebalanced quarterly"]

{"sheet":"Correlation Matrix SLGI","index":11,"n_rows":29,"n_cols":12,"rows_kept":29,"cut":false,"hidden":true,"merged":[]}
[null,null,"Cash","Fixed Income","Equities","UL2","Real Estate","Alternatives","Par","UL1","UL3"]
[null,"Investment","1","2","3","9","10","13","20","21",22]
["Cash","1   FTSE Canada 91 Day TBill",1,0.14000000000000001,-0.05,-9.5004502793649304E-2,-0.06,-0.11,-0.31857384774025899,0.441825556592573,-0.05]
["Fixed Income","2   FTSE Canada Universe Bond",0.14000000000000001,1,0.18,-0.21338348629175399,0.37,-0.45,4.6901298439264202E-2,0.12977291143744199,0.18]
["Equities","3   S&P/TSX Capped Composite TR CAD",-0.05,0.18,1,0.23524921790283501,0.69,0.52,-2.7099880077399201E-2,-2.2056736238593E-2,1]
["UL2","9   Credit Suisse Commodity Benchmark TR USD",-9.5004502793649304E-2,-0.21338348629175399,0.23524921790283501,1,0.14746435661526799,0.28594185495746799,-0.118955525220051,-0.18257226865339601,-0.19]
["Real Estate","10   FTSE EPRA Nareit Developed TR USD",-0.06,0.37,0.69,0.14746435661526799,1,0.15,0.10808013381657899,3.2290781420440999E-2,0.69]
["Alternatives","13   S&P GSCI TR USD",-0.11,-0.45,0.52,0.28594185495746799,0.15,1,-0.10693786068229399,-0.13373050865803701,0.52]
["Par","20   Sun Life Par Portfolio",-0.31857384774025899,4.6901298439264202E-2,-2.7099880077399201E-2,-0.118955525220051,0.10808013381657899,-0.10693786068229399,1,0.40015618991541602,-2.7099880077399201E-2,"< from 2012-2025"]
["UL1","21   Sun Life Diversified Account",0.441825556592573,0.12977291143744199,-2.2056736238593E-2,-0.18257226865339601,3.2290781420440999E-2,-0.13373050865803701,0.40015618991541602,1,-2.2056736238593E-2,"< from 2017-2025"]
["UL3","22   UL Equity",-0.05,0.18,1,-0.19,0.69,0.52,-2.7099880077399201E-2,-2.2056736238593E-2,1,"< set to same as Canadian Equity"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Credit Suisse Commodity Benchmark correlations from 2012-02 and preserved as proxy for commodities vs insurance"]
["^ All data in CAD equiv 2012-02 to 2025-09"]
["* Note MSCI REALPAC Canada return data is quarterly while the rest is monthly."]
[19,"<from 2012-2025"]
[20,"< from 2017-2025"]
[21,"<Set equal to the correlations for S&P 500 TR CAD"]

{"sheet":"Scenario1","index":12,"n_rows":212,"n_cols":146,"rows_kept":212,"cut":false,"hidden":true,"merged":[]}
["Year","Age","Total guaranteed yearly premium","Total guaranteed annualized premium","Total guaranteed monthly premium","Total annualized premium (Current rate)","Total annualized premium (Current rate minus 1%)","Total annualized premium (Current rate minus 2%)","Guaranteed cash value","Cash surrender value (Current rate)","Cash surrender value (Current rate minus 1%)","Cash surrender value (Current rate minus 2%)","Base insurance amount","Guaranteed insurance amount","Total death benefit (Current rate)","Total death benefit (Current rate minus 1%)","Total death benefit (Current rate minus 2%)","Annual dividend (Current rate)","Annual dividend (Current rate minus 1%)","Annual dividend (Current rate minus 2%)","Paid up additional insurance (Current rate)","Paid up additional insurance (Current rate minus 1%)","Paid up additional insurance (Current rate minus 2%)","One year term insurance (Current rate)","One year term insurance (Current rate minus 1%)","One year term insurance (Current rate minus 2%)","Paid up additional insurance cash value (Current rate)","Paid up additional insurance cash value (Current rate minus 1%)","Paid up additional insurance cash value (Current rate minus 2%)","Dividends on deposits (Current rate)","Dividends on deposits (Current rate minus 1%)","Dividends on deposits (Current rate minus 2%)","Dividends paid in cash (Current rate)","Dividends paid in cash (Current rate minus 1%)","Dividends paid in cash (Current rate minus 2%)","Premiums paid by dividends (Current rate)","Premiums paid by dividends (Current rate minus 1%)","Premiums paid by dividends (Current rate minus 2%)","Base plan premium","Policy Fee","Premiums paid by client (Current rate)","Premiums paid by client (Current rate minus 1%)","Premiums paid by client (Current rate minus 2%)","Plus premium payment (Current rate)","Plus premium payment (Current rate minus 1%)","Plus premium payment (Current rate minus 2%)","Optional benefits premium","Term benefit 1 premium","Term benefit 1 Death benefit","Term benefit 2 premium","Term benefit 2 Death benefit","Term benefit 3 premium","Term benefit 3 Death benefit","Term benefit 4 premium","Term benefit 4 Death benefit","Person 1 ADB premium","Person 2 ADB premium","Person 1 TDW premium","Person 2 TDW premium","GIB premium","CTB premium","BVPB premium","Owner waiver premium","NCPI (Current rate)","NCPI (Current rate minus 1%)","NCPI (Current rate minus 2%)","ACB (Current rate)","ACB (Current rate minus 1%)","ACB (Current rate minus 2%)","CDA credit (Current rate)","CDA Credit (Current rate minus 1%)","CDA Credit (Current rate minus 2%)","Marginal tax rate","Before tax policy loan (Current rate)","Before tax policy loan (Current rate minus 1%)","Before tax policy loan (Current rate minus 2%)","Taxable portion of policy loan (Current rate)","Taxable portion of policy loan (Current rate minus 1%)","Taxable portion of policy loan (Current rate minus 2%)","Tax on policy loan (Current rate)","Tax on policy loans (Current rate minus 1%)","Tax on policy loans (Current rate minus 2%)","After tax policy loan (Current rate)","After tax policy loan (Current rate minus 1%)","After tax policy loan (Current rate minus 2%)","Interest on policy loan (Current rate)","Interest on policy loan (Current rate minus 1%)","Interest on policy loan (Current rate minus 2%)","Policy loan balance (Current rate)","Policy loan balance (Current rate minus 1%)","Policy loan balance (Current rate minus 2%)","Before tax withdrawal (Current rate)","Before tax withdrawal (Current rate minus 1%)","Before tax withdrawal (Current rate minus 2%)","Taxable portion of withdrawal (Current rate)","Taxable portion of withdrawal (Current rate minus 1%)","Taxable portion of withdrawal (Current rate minus 2%)","After tax withdrawal (Current rate)","After tax withdrawal (Current rate minus 1%)","After tax withdrawal (Current rate minus 2%)","Tax on withdrawals (Current rate)","Tax on withdrawals (Current rate minus 1%)","Tax on withdrawals (Current rate minus 2%)","Tax on CSV (Current rate)","Tax on CSV (Current rate minus 1%)","Tax on CSV (Current rate minus 2%)","Taxable portion of the CSV (Current rate)","Taxable Portion of the CSV (Current rate minus 1%)","Taxable Portion of the CSV (Current rate minus 2%)","CSV after tax (Current rate)","CSV after tax (Current rate minus 1%)","CSV after tax (Current rate minus 2%)","Increase in CSV (Current rate)","Increase in CSV (Current rate minus 1%)","Increase in CSV  (Current rate minus 2%)","Taxable Portion of Dividends (Current rate)","Taxable Portion of Dividends (Current rate minus 1%)","Taxable Portion of Dividends (Current rate minus 2%)","Tax on Dividends (Current rate)","Tax on Dividends (Current rate minus 1%)","Tax on Dividends (Current rate minus 2%)","Tax on Dividends on deposit (Current rate)","Tax on Dividends on deposit (Current rate minus 1%)","Tax on Dividends on deposit (Current rate minus 2%)","Total IRR on death benefit (Current rate)","Total IRR on death benefit (Current rate minus 1%)","Total IRR on death benefit (Current rate minus 2%)","NAAR (Current rate)","NAAR (Current rate minus 1%)","NAAR (Current rate minus 2%)",null,null,null,null,null,null,"Scenario Test",null,"Product Name",{"$f":"IF(EG10=\"English\",IF(Calculations!AT3=\"English\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Protector II\",\"Sun Par Protector II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Accumulator II\",\"Sun Par Accumulator II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Term\",\"Term\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunUniversalLife II\",\"SunUniversalLife II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunSpectrum Universal Life II\",\"SunSpectrum Universal Life II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Accelerator\",\"Sun Par Accelerator\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunSpectrum Permanent Life II\",\"SunSpectrum Permanent Life II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Permanent Life\",\"Sun Permanent Life\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunUniversalLife Pro\",\"SunUniversalLife Pro\"))))))))),IF(Calculations!AT3=\"French\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Protector II\",\"Vie Protection Sun Life avec participation II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Accumulator II\",\"Vie Capitalisation Sun Life avec participation II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Term\",\"Temporaire\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunUniversalLife II\",\"Vie universelle Sun Life II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunUniversalLife Pro\",\"Vie universelle Sun Life Pro\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunSpectrum Universal Life II\",\"Vie universelle SunSpectrum II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Accelerator\",\"Vie Accélération Sun Life avec participation\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunSpectrum Permanent Life II\",\"Assurance-vie permanente SunSpectrum II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Permanent Life\",\"Assurance-vie permanente Sun Life\"))))))))))),IF(EG10=\"French\",IF(Calculations!AT3=\"English\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie Protection Sun Life avec participation II\",\"Sun Par Protector II\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie Capitalisation Sun Life avec participation II\",\"Sun Par Accumulator II\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Temporaire\",\"Term\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie universelle Sun Life II\",\"SunUniversalLife II\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie universelle Sun Life Pro\",\"SunUniversalLife Pro\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie universelle SunSpectrum II\",\"SunSpectrum Universal Life II\",IF(VLOOKUP(\"Nom du 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du produit\",A75:B175,2,FALSE)=\"Vie universelle SunSpectrum II\",\"Vie universelle SunSpectrum II\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Vie Accélération Sun Life avec participation\",\"Vie Accélération Sun Life avec participation\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Assurance-vie permanente SunSpectrum II\",\"Assurance-vie permanente SunSpectrum II\",IF(VLOOKUP(\"Nom du produit\",A75:B175,2,FALSE)=\"Assurance-vie permanente Sun Life\",\"Assurance-vie permanente Sun Life\")))))))))))))","v":"Sun Par Protector II"},"Joint Life/Single Life?",{"$f":"IF(Calculations!AT3=\"English\",IF(EG10=\"English\",IF(OR(EJ1=\"SunSpectrum Universal Life II\",EJ1=\"SunUniversalLife II\",EJ1=\"SunUniversalLife Pro\"),IF(VLOOKUP(\"C1 Plan Type\",A150:B210,2,FALSE)=\"Joint last-to-die, COI to second death\",\"JLTD 2nd\",IF(VLOOKUP(\"C1 Plan Type\",A150:B210,2,FALSE)=\"Joint last-to-die, COI to first death\",\"JLTD 1st\",IF(VLOOKUP(\"C1 Plan Type\",A150:B210,2,FALSE)=\"Joint first-to-die\",\"JFTD\",IF(VLOOKUP(\"C1 Plan Type\",A150:B210,2,FALSE)=\"Single\",\"Single life\")))),IF(EJ1=\"Term\",IF(B1=\"Age\",\"Single life\",\"JFTD\"),IF(ISNA(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)),\"Single life\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint last to die Premiums to second death\",\"JLTD 2nd\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint last to die Premiums to first death\",\"JLTD 1st\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint first to die\",\"JFTD\")))))),IF(EG10=\"French\",IF(OR(EJ1=\"SunSpectrum Universal Life II\",EJ1=\"SunUniversalLife II\", EJ1=\"SunUniversalLife Pro\"),IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur deux têtes – dernier décès, CDA jusqu'au second décès\",\"JLTD 2nd\",IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur deux têtes – dernier décès, CDA jusqu'au premier décès\",\"JLTD 1st\",IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur une tête\",\"Single life\",IF(VLOOKUP(\"A1 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Type\",A150:B210,2,FALSE)=\"Joint first-to-die\",\"2TPD\",IF(VLOOKUP(\"C1 Plan Type\",A150:B210,2,FALSE)=\"Single\",\"Sur une tête\")))),IF(EJ1=\"Temporaire\",IF(B1=\"Age\",\"Sur une tête\",\"2TPD\"),IF(ISNA(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)),\"Sur une tête\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint last to die Premiums to second death\",\"2TDD 2e\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint last to die Premiums to first death\",\"2TDD 1er\",IF(VLOOKUP(\"Joint type\",A150:B210,2,FALSE)=\"Joint first to die\",\"2TPD\")))))),IF(EG10=\"French\",IF(OR(EJ1=\"Vie universelle Sun Life II\",EJ1=\"Vie universelle SunSpectrum II\", EJ1=\"Vie universelle Sun Life Pro\"),IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur deux têtes – dernier décès, CDA jusqu'au second décès\",\"2TDD 2e\",IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur deux têtes – dernier décès, CDA jusqu'au premier décès\",\"2TDD 1er\",IF(VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)=\"Sur deux têtes - premier décès\",\"2TPD\",VLOOKUP(\"A1 Type de contrat\",A150:B210,2,FALSE)))),IF(EJ1=\"Temporaire\",IF(B1=\"Âge\",\"Sur une tête\",\"2TPD\"),IF(ISNA(VLOOKUP(\"Type d'assurance sur deux têtes\",A150:B210,2,FALSE)),\"Sur une tête\",IF(VLOOKUP(\"Type d'assurance sur deux têtes\",A150:B210,2,FALSE)=\"Dernier décès – primes jusqu'au second décès\",\"2TDD 2e\",IF(VLOOKUP(\"Type d'assurance sur deux têtes\",A150:B210,2,FALSE)=\"Dernier décès – primes jusqu'au premier décès\",\"2TDD 1er\",IF(VLOOKUP(\"Type d'assurance sur deux têtes\",A150:B210,2,FALSE)=\"Premier décès\",\"2TPD\"))))))))))","v":"JLTD 2nd"},null,null,null,"withdrawal"]
[1,45,19179.61,19179.61,1726.16,49999.61,49999.61,49999.61,0,30103,29774,29446,940796,940796,1042438,1041327,1040217,1429.23,1100.31,771.39,101642,100531,99421,0,0,0,30103,29774,29446,0,0,0,0,0,0,0,0,0,19154.61,25,49999.61,49999.61,49999.61,30820,30820,30820,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,547,547,546,49452,49453,49453,992985.69,991874.27,990763.85,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30103,29774,29446,30103,29774,29446,0,0,0,0,0,0,0,0,0,19.8489,19.826699999999999,19.804500000000001,1012335,1011553,1010771,null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(C2),ISNA(C2)),\"Empty Scenario\", \"Complete Scenario\")","v":"Complete Scenario"},null,"Dividend Option",{"$f":"IF(EG10=\"English\",IF(Calculations!AT3=\"English\",IF(ISNA(VLOOKUP(\"Dividend Option\",A150:B190,2,FALSE)),\"-\",IF(VLOOKUP(\"Dividend Option\",A150:B190,2,FALSE)=\"Paid Up Additional Insurance (PUA)\",\"PUA\",VLOOKUP(\"Dividend 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[2,46,19179.61,19179.61,1726.16,49999.61,49999.61,49999.61,0,62541,61441,60337,940796,940796,1145153,1141557,1137951,2771.23,2010.75,1246.8900000000001,204357,200761,197155,0,0,0,62541,61441,60337,0,0,0,0,0,0,0,0,0,19154.61,25,49999.61,49999.61,49999.61,30820,30820,30820,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,796,795,793,98655,98658,98660,1046497.54,1042899.28,1039291.02,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,62541,61441,60337,32438,31667,30891,0,0,0,0,0,0,0,0,0,3.3117999999999999,3.3043,3.2968000000000002,1082612,1080116,1077614,null,null,null,null,null,null,"Preferred Scale",null,"Premium/COI Option",{"$f":"IF(EG10=\"English\",IF(Calculations!AT3=\"English\",IF(EJ1=\"SunSpectrum Universal Life II\",VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE),IF(OR(EJ1=\"SunUniversalLife Pro\",EJ1=\"SunUniversalLife II\"),(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)),IF(EJ1=\"Term\",IF(EL1=\"Single life\",IF(D11=D12,IF(D16=D17,IF(D21=D22,\"Term 30\",\"Term 20\"),\"Term 15\"),\"Term 10\"),IF(C11=C12,IF(C16=C17,IF(C21=C22,\"Term 30\",\"Term 20\"),\"Term 15\"),\"Term 10\")),IF(ISNA(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)),\"-\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"Life Pay\",\"Life pay\",(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE))))))),IF(Calculations!AT3=\"French\",IF(EJ1=\"Vie universelle SunSpectrum II\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 100\",\"Ren. tous les ans jusqu'à 100 ans\"),IF(OR(EJ1=\"Vie universelle Sun Life Pro\",EJ1=\"Vie universelle Sun Life II\"),IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Level\",\"Uniforme\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 70\",\"Ren. tous les ans jusqu'à 70 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 85\",\"Ren. tous les ans jusqu'à 85 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 100\",\"Ren. tous les ans jusqu'à 100 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Limited pay - 10 years\",\"Primes limitées – 10 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Limited pay - 15 years\",\"Primes limitées – 15 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Limited pay - 20 years\",\"Primes limitées – 20 ans\"))))))),IF(EJ1=\"Temporaire\",IF(EL1=\"Sur une tête\",IF(D11=D12,IF(D16=D17,IF(D21=D22,\"Temporaire 30 ans\",\"Temporaire 20 ans\"),\"Temporaire 15 ans\"),\"Temporaire 10 ans\"),IF(C11=C12,IF(C16=C17,IF(C21=C22,\"Temporaire 30 ans\",\"Temporaire 20 ans\"),\"Temporaire 15 ans\"),\"Temporaire 10 ans\")),IF(ISNA(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)),\"-\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"Life Pay\",\"Paiement à vie\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"10 Pay\",\"10 Paiements\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"15 Pay\",\"15 Paiements\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"20 Pay\",\"20 Paiements\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"8 Pay\",\"8 Paiements\"))))))))))),IF(EG10=\"French\",IF(Calculations!AT3=\"French\",IF(EJ1=\"Vie universelle SunSpectrum II\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 100 ans\",\"Ren. tous les ans jusqu'à 100 ans\",(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE))),IF(OR(EJ1=\"Vie universelle Sun Life Pro\",EJ1=\"Vie universelle Sun Life II\"),IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 85 ans\",\"Ren. tous les ans jusqu'à 85 ans\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 100 ans\",\"Ren. tous les ans jusqu'à 100 ans\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 70 ans\",\"Ren. tous les ans jusqu'à 70 ans\",(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE))))),IF(EJ1=\"Temporaire\",IF(EL1=\"Sur une tête\",IF(D11=D12,IF(D16=D17,IF(D21=D22,\"Temporaire 30 ans\",\"Temporaire 20 ans\"),\"Temporaire 15 ans\"),\"Temporaire 10 ans\"),IF(C11=C12,IF(C16=C17,IF(C21=C22,\"Temporaire 30 ans\",\"Temporaire 20 ans\"),\"Temporaire 15 ans\"),\"Temporaire 10 ans\")),IF(ISNA(VLOOKUP(\"Options de prime\",A150:B210,2,FALSE)),\"-\",(VLOOKUP(\"Options de prime\",A150:B210,2,FALSE)))))),IF(Calculations!AT3=\"English\",IF(EJ1=\"SunSpectrum Universal Life II\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 100 ans\",\"Yearly renewable to age 100\"),IF(OR(EJ1=\"SunUniversalLife Pro\",EJ1=\"SunUniversalLife II\"),IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Uniforme\",\"Level\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 70 ans\",\"Yearly renewable to age 70\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Renouvelable tous les ans jusqu'à 85 ans\",\"Yearly renewable to age 85\",IF(VLOOKUP(\"A1 Type de CDA\",A150:B210,2,FALSE)=\"Primes limitées – 10 ans\",\"Limited pay - 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[12,56,19179.61,19179.61,1726.16,19179.61,19179.61,19179.61,145108,595505,551185,509768,940796,940796,2018816,1912737,1813607,19623.919999999998,13140.57,7339.82,1078020,971941,872811,0,0,0,450397,406077,364660,0,0,0,0,0,0,19179.61,19179.61,19179.61,19154.61,25,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,5147,4923,4713,470236,471013,471750,1548579.58,1441723.78,1341857.43,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,56371,36077,17108,125269,80172,38018,539134,515108,492660,45430,37846,31008,0,0,0,0,0,0,0,0,0,0.18590000000000001,0.17860000000000001,0.17150000000000001,1423311,1361552,1303839,null,null,null,null,null,null,"Policy Year Life Expectancy",null,"IRR on Death Benefit Year 5",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,5+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,5+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,5+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,5+1,FALSE),IF(Scenario1!$EJ$6=\"Taux principal\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,5+1,FALSE)))))))))))),IF($EG$10=\"French\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"TRI total au décès\",$B$1:$S$77,5+1,FALSE)),IF($EJ$6=\"Current\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,5+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"TRI total au décès\",$A$1:$R$77,5+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,5+1,FALSE))))))))))))))","v":0.65480000000000005},null,null,null,null,null,0]
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[15,59,19179.61,19179.61,1726.16,19179.61,19179.61,19179.61,268221,766977,695615,630520,940796,940796,2036336,1879587,1736603,23818.959999999999,15802.15,8962.7900000000009,1095540,938791,795807,0,0,0,498756,427394,362299,0,0,0,0,0,0,19179.61,19179.61,19179.61,19154.61,25,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,7302,6836,6411,450665,452567,454336,1585670.55,1427020.15,1282266.8899999999,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,142340,109372,79283,316312,243048,176184,624637,586243,551237,63237,53463,45009,0,0,0,0,0,0,0,0,0,0.13589999999999999,0.128,0.1203,1269359,1183972,1106083,null,null,null,null,null,null,null,null,"IRR on Death Benefit Year 20",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,20+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,20+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,20+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,20+1,FALSE),IF(Scenario1!$EJ$6=\"Taux principal\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,20+1,FALSE)))))))))))),IF($EG$10=\"French\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"TRI total au décès\",$B$1:$S$77,20+1,FALSE)),IF($EJ$6=\"Current\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,20+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"TRI total au décès\",$A$1:$R$77,20+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,20+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,20+1,FALSE))))))))))))))","v":8.6900000000000005E-2},null,null,null,null,null,0]
[16,60,19179.61,19179.61,1726.16,19179.61,19179.61,19179.61,289220,807627,725668,651522,940796,940796,2048526,1873397,1714962,25420.7,16819.060000000001,9588.23,1107730,932601,774166,0,0,0,518407,436448,362302,0,0,0,0,0,0,19179.61,19179.61,19179.61,19154.61,25,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,8204,7622,7096,442461,444945,447241,1606064.69,1428452.27,1267721.48,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,164325,126325,91926,365166,280723,204281,643302,599343,559596,40650,30053,21002,0,0,0,0,0,0,0,0,0,0.1249,0.1169,0.1089,1240899,1147729,1063440,null,null,null,null,null,null,"Scenario Name",null,"IRR on Death Benefit Age 100",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,$EJ$11+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$101,$EJ$11+1,FALSE)))))))))))),IF($EG$10=\"French\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"TRI total au décès\",$B$1:$S$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Current\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"TRI total au décès\",$A$1:$R$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))))))","v":3.8699999999999998E-2},null,null,null,null,null,0]
[17,61,19179.61,19179.61,1726.16,19179.61,19179.61,19179.61,310538,850567,757117,673280,940796,940796,2063775,1869448,1695109,27041.17,17809.03,10160.98,1122979,928652,754313,0,0,0,540029,446579,362742,0,0,0,0,0,0,19179.61,19179.61,19179.61,19154.61,25,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,8919,8222,7596,433542,436723,439645,1630233.18,1432725.04,1255464.31,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,187661,144177,105136,417025,320394,233635,662906,612940,568144,42940,31449,21758,0,0,0,0,0,0,0,0,0,0.1157,0.1075,9.9400000000000002E-2,1213208,1112331,1021829,null,null,null,null,null,null,"Scenario 1:",null,"IRR on Death Benefit Compare Year",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,Calculations!$AS$2+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$100,Calculations!$AS$2+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on 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[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
[]
[]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Product Name","Sun Par Protector II"]
["Dividend Option","Paid Up Additional Insurance (PUA)"]
["Premium Option","Life Pay"]
["Premium Offset",11]
["Premium Frequency","Yearly"]
["Primary Dividend Scale","Current - 1%"]
["Joint type","Joint last to die Premiums to second death"]
["Joint age",44]
["Joint rating",100]
["",""]
["P1 First Name","Person1"]
["P1 Last Name",""]
["P1 Gender","M"]
["P1 Age",55]
["P1 Smoker","No"]
["P1 Client Ratings","No"]
["P1 Mortality Assessment",100]
["P1 Permanent Flat Extra",0]
["P1 Temporary Flat Extra",0]
["P1 Temporary Flat Extra Years",0]
["",""]
["P2 First Name","Person2"]
["P2 Last Name",""]
["P2 Gender","F"]
["P2 Age",50]
["P2 Smoker","No"]
["P2 Client Ratings","No"]
["P2 Mortality Assessment",100]
["P2 Permanent Flat Extra",0]
["P2 Temporary Flat Extra",0]
["P2 Temporary Flat Extra Years",0]
["",""]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF(EG10=\"English\",\"P1 Age\",IF(EG10=\"French\",\"P1 Âge\"))","v":"P1 Age"}]
[{"$f":"IF(EG10=\"English\",\"P1 Gender\",IF(EG10=\"French\",\"P1 Sexe\"))","v":"P1 Gender"},{"$f":"IF(EG10=\"English\",IF(C202=\"H\",\"M\",IF(C202=\"F\",\"F\",C202)),IF(EG10=\"French\",IF(C202=\"M\",\"H\",IF(C202=\"F\",\"F\",C202))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 Smoker\",IF(EG10=\"French\",\"P1 Fumeur\"))","v":"P1 Smoker"},{"$f":"IF(EG10=\"English\",IF(C203=\"Oui\",\"Yes\",IF(C203=\"Non\",\"No\",C203)),IF(EG10=\"French\",IF(C203=\"Yes\",\"Oui\",IF(C203=\"No\",\"Non\",C203))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P1 First Name\",IF(EG10=\"French\",\"P1 Prénom\"))","v":"P1 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P1 Last Name\",IF(EG10=\"French\",\"P1 Nom\"))","v":"P1 Last Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Age\",IF(EG10=\"French\",\"P2 Âge\"))","v":"P2 Age"}]
[{"$f":"IF(EG10=\"English\",\"P2 Gender\",IF(EG10=\"French\",\"P2 Sexe\"))","v":"P2 Gender"},{"$f":"IF(EG10=\"English\",IF(C207=\"H\",\"M\",IF(C207=\"F\",\"F\",C207)),IF(EG10=\"French\",IF(C207=\"M\",\"H\",IF(C207=\"F\",\"F\",C207))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":"P2 Smoker"},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":"P2 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":"P2 Last Name"}]
["C2 Amount"]
["A2 Montant"]

{"sheet":"Income","index":13,"n_rows":110,"n_cols":51,"rows_kept":110,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
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[null,null,null,"source of earnings",null,null,null,null,null,"CFs",null,null,null,null,null,"investment income",null,null,null,null,null,"tax",null,null,null,null,null,null,null,"value",null,null,null,"RDTOH",null,null,null,null,null,null,"CDA",null,null,"shareholder estate/cash values"]
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[null,null,null,null,null,null,null,null,null,null,"SL","EOY"]
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{"sheet":"Real Estate","index":24,"n_rows":110,"n_cols":52,"rows_kept":110,"cut":false,"hidden":true,"merged":[]}
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{"sheet":"Scenario2","index":26,"n_rows":212,"n_cols":146,"rows_kept":212,"cut":false,"hidden":true,"merged":[]}
["Year","Age","Payments","Primary interest rate","Secondary interest rate","Alternate interest rate","Fund value (Primary rate)","Fund value (Secondary rate)","Fund value (Alternate rate)","Service account balance (Primary rate)","Service account balance (Secondary rate)","Service account balance (Alternate rate)","Guaranteed cash value","CSV (Primary rate)","CSV (Secondary rate)","CSV (Alternate rate)","Base insurance amount 1","Base insurance amount 2","Total policy death benefit (Primary rate)","Total policy death benefit (Secondary rate)","Total policy death benefit (Alternate rate)","IRR on death benefit (Primary rate)","IRR on death benefit (Secondary rate)","IRR on death benefit (Alternate rate)","Premium tax","Base plan 1 COI (Primary rate)","Base plan 1 COI (Secondary rate)","Base plan 1 COI (Alternate rate)","Base plan 2 COI (Primary rate)","Base plan 2 COI (Secondary rate)","Base plan 2 COI (Alternate rate)","Optional benefits COI","Total COI (Primary rate)","Total COI (Secondary rate)","Total COI (Alternate rate)","Term benefit 1 COI","Term benefit 1 Death benefit","Term benefit 2 COI","Term benefit 2 Death benefit","Term benefit 3 COI","Term benefit 3 Death benefit","Term benefit 4 COI","Term benefit 4 Death benefit","Person 1 ADB COI","Person 2 ADB COI","Person 1 TDW COI","Person 2 TDW COI","GIB COI","Person 1 CTB COI","Person 2 CTB COI","BVPB COI","Owner waiver COI","Interest earned (Primary rate)","Interest earned (Secondary rate)","Interest earned (Alternate rate)","Net amount at risk (Primary rate)","Net amount at risk (Secondary rate)","Net amount at risk (Alternate rate)","NCPI (Primary rate)","NCPI (Secondary rate)","NCPI (Alternate rate)","ACB (Primary rate)","ACB (Secondary rate)","ACB (Alternate rate)","CDA credit (Primary rate)","CDA credit (Secondary rate)","CDA credit (Alternate rate)","Maximum payment (Primary rate)","Maximum payment (Secondary rate)","Maximum payment (Alternate rate)","Marginal tax rate","Transfers to Service account (Primary rate)","Transfers to Service account (Secondary rate)","Transfers to Service account (Alternate rate)","Transfers from Service account (Primary rate)","Transfers from Service account (Secondary rate)","Transfers from Service account (Alternate rate)","Taxable portion of transfer (Primary rate)","Taxable portion of transfer (Secondary rate)","Taxable portion of transfer (Alternate rate)","Service account interest (Primary rate)","Service account interest (Secondary rate)","Service account interest (Alternate rate)","Tax on Service account (Primary rate)","Tax on Service account (Secondary rate)","Tax on Service account (Alternate rate)","Before tax withdrawals (Primary rate)","Before tax withdrawals (Secondary rate)","Before tax withdrawals (Alternate rate)","After tax withdrawals (Primary rate)","After tax withdrawals (Secondary rate)","After tax withdrawals (Alternate rate)","Tax on withdrawal (Primary rate)","Tax on withdrawal (Secondary rate)","Tax on withdrawal (Alternate rate)","Taxable portion of withdrawal (Primary rate)","Taxable portion of withdrawal (Secondary rate)","Taxable portion of withdrawal (Alternate rate)","Before tax policy loan (Primary rate)","Before tax policy loan (Secondary rate)","Before tax policy loan (Alternate rate)","After tax policy loan (Primary rate)","After tax policy loan (Secondary rate)","After tax policy loan (Alternate rate)","Policy loan balance (Primary rate)","Policy loan balance (Secondary rate)","Policy loan balance (Alternate rate)","Tax on policy loan (Primary rate)","Tax on policy loan (Secondary rate)","Tax on policy loan (Alternate rate)","Taxable portion of policy loan (Primary rate)","Taxable portion of policy loan (Secondary rate)","Taxable portion of policy loan (Alternate rate)","Tax on surrender (Primary rate)","Tax on surrender (Secondary rate)","Tax on surrender (Alternate rate)","Taxable portion of the CSV (Primary rate)","Taxable portion of the CSV (Secondary rate)","Taxable portion of the CSV (Alternate rate)","CSV after tax (Primary rate)","CSV after tax (Secondary rate)","CSV after tax (Alternate rate)","Increase in CSV (Primary rate)","Increase in CSV (Secondary rate)","Increase in CSV (Alternate rate)","Remaining years inforce (Primary rate)","Remaining years inforce (Secondary rate)","Remaining years inforce (Alternate rate)",null,null,null,null,null,null,null,null,"Scenario Test",null,"Product Name",{"$f":"IF(EG10=\"English\",IF(Calculations!AT3=\"English\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Protector II\",\"Sun Par Protector II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Sun Par Accumulator II\",\"Sun Par Accumulator II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"Term\",\"Term\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunUniversalLife II\",\"SunUniversalLife II\",IF(VLOOKUP(\"Product Name\",A75:B175,2,FALSE)=\"SunSpectrum Universal Life II\",\"SunSpectrum Universal Life II\",IF(VLOOKUP(\"Product 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[2,46,40000,5.8999999999999997E-2,3.9E-2,0,57041,55187,51650,0,0,0,0,31091,29237,25700,1262143,0,1319184,1317330,1313793,4.2645,4.2605000000000004,4.2527999999999997,1200,12974.88,12974.88,12974.88,0,0,0,0,12974.88,12974.88,12974.88,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,3512,2296,0,1262143,1262143,1262143,943.82,943.82,943.82,78362,78362,78362,1240822.0900000001,1238968.21,1235431.24,77992,80563,85791,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,31091,29237,25700,29338,28122,25700,4,4,3,null,null,null,null,null,null,null,null,"Preferred Scale",null,"Premium/COI Option",{"$f":"IF(EG10=\"English\",IF(Calculations!AT3=\"English\",IF(EJ1=\"SunSpectrum Universal Life II\",VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE),IF(OR(EJ1=\"SunUniversalLife Pro\",EJ1=\"SunUniversalLife II\"),(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)),IF(EJ1=\"Term\",IF(EL1=\"Single life\",IF(D11=D12,IF(D16=D17,IF(D21=D22,\"Term 30\",\"Term 20\"),\"Term 15\"),\"Term 10\"),IF(C11=C12,IF(C16=C17,IF(C21=C22,\"Term 30\",\"Term 20\"),\"Term 15\"),\"Term 10\")),IF(ISNA(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)),\"-\",IF(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE)=\"Life Pay\",\"Life pay\",(VLOOKUP(\"Premium Option\",A150:B210,2,FALSE))))))),IF(Calculations!AT3=\"French\",IF(EJ1=\"Vie universelle SunSpectrum II\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 100\",\"Ren. tous les ans jusqu'à 100 ans\"),IF(OR(EJ1=\"Vie universelle Sun Life Pro\",EJ1=\"Vie universelle Sun Life II\"),IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Level\",\"Uniforme\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 70\",\"Ren. tous les ans jusqu'à 70 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 85\",\"Ren. tous les ans jusqu'à 85 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Yearly renewable to age 100\",\"Ren. tous les ans jusqu'à 100 ans\",IF(VLOOKUP(\"C1 COI Type\",A150:B210,2,FALSE)=\"Limited pay - 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[11,55,0,5.8999999999999997E-2,3.9E-2,0,371498,322819,245276,0,0,0,0,371498,322819,245276,1262143,0,1633641,1584962,1507419,0.21340000000000001,0.20880000000000001,0.20119999999999999,0,12974.88,12974.88,12974.88,0,0,0,0,12974.88,12974.88,12974.88,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,21032,12342,0,1262143,1262143,1262143,3502,3502,3502,378529.5,378529.5,378529.5,1255111.79,1206433,1128889.82,167399,200031,255772,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,371498,322819,245276,8057,-633,-12975,28,24,18,null,null,null,null,null,null,null,null,{"$f":"IF(EG10=\"English\",IF(ISNA(VLOOKUP(\"Joint Age\",A150:B190,2,FALSE)),(85-(VLOOKUP(\"P1 Age\",A150:B190,2,FALSE))),(85-(VLOOKUP(\"Joint Age\",A150:B190,2,FALSE)))),IF(EG10=\"French\",IF(ISNA(VLOOKUP(\"Âge commun\",A150:B190,2,FALSE)),(85-(VLOOKUP(\"P1 Âge\",A150:B190,2,FALSE))),(85-(VLOOKUP(\"Âge commun\",A150:B190,2,FALSE))))))","v":41},null,"Life Pay",{"$f":"IFERROR(IF(VLOOKUP(EJ11,Calculations!A3:H102,9,FALSE)=0,\"No\",\"Yes\"),\"\")","v":""},null,null,null,null,null,0]
[12,56,0,5.8999999999999997E-2,3.9E-2,0,380030,322162,232301,0,0,0,0,380030,322162,232301,1262143,0,1642173,1584305,1494444,0.18809999999999999,0.18329999999999999,0.17549999999999999,0,12974.88,12974.88,12974.88,0,0,0,0,12974.88,12974.88,12974.88,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,21507,12317,0,1262143,1262143,1262143,3940.94,3940.94,3940.94,374588.56,374588.56,374588.56,1267585.25,1209716.53,1119855.8799999999,162724,199587,260804,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2449,0,0,5442,0,0,377581,322162,232301,8532,-657,-12975,29,24,17,null,null,null,null,null,null,null,null,"Policy Year Life Expectancy",null,"IRR on Death Benefit Year 5",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,5+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,5+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,5+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$66,5+1,FALSE)))))))))))),IF($EG$10=\"French\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"TRI total au décès\",$B$1:$S$77,5+1,FALSE)),IF($EJ$6=\"Current\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,5+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"TRI total au décès\",$A$1:$R$77,5+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$66,5+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$66,5+1,FALSE))))))))))))))","v":0.74370000000000003},null,null,null,null,null,0]
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[16,60,0,5.8999999999999997E-2,3.9E-2,0,419500,319265,180401,0,0,0,0,419500,319265,180401,1262143,0,1681643,1581408,1442544,0.1273,0.1217,0.1134,0,12974.88,12974.88,12974.88,0,0,0,0,12974.88,12974.88,12974.88,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,23706,12208,0,1262143,1262143,1262143,6231.5,6231.5,6231.5,353402.27,353402.27,353402.27,1328241.7,1228006.54,1089142.6499999999,144031,197858,276953,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,29744,0,0,66099,0,0,389756,319265,180401,10731,-766,-12975,32,24,13,null,null,null,null,null,null,null,null,"Scenario Name",null,"IRR on Death Benefit Age 100",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,$EJ$11+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 1%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"Total IRR on death benefit (Custom rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"Total IRR on death benefit (Current rate minus 2%)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"IRR on death benefit (Primary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"IRR on death benefit (Secondary rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"IRR on death benefit (Alternate rate)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"IRR on death benefit\",$A$1:$DZ$101,$EJ$11+1,FALSE)))))))))))),IF($EG$10=\"French\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"TRI total au décès\",$B$1:$S$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Current\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Custom\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Current minus 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Primary rate\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Secondary rate\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Alternate rate\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Not applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))),IF(Calculations!$AT$3=\"French\",IF($EJ$1=\"Temporaire\",(HLOOKUP(\"TRI total au décès\",$A$1:$R$77,$EJ$11+1,FALSE)),IF($EJ$6=\"Taux actuel\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 1%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 1 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux personnalisé\",HLOOKUP(\"TRI total sur le capital-décès (taux personnalisé)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux actuel moins 2%\",HLOOKUP(\"TRI total sur le capital-décès (taux actuel moins 2 %)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux principal\",HLOOKUP(\"TRI du capital-décès (taux principal)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Taux secondaire\",HLOOKUP(\"TRI du capital-décès (taux secondaire)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Autre taux\",HLOOKUP(\"TRI du capital-décès (autre taux)\",$A$1:$DZ$101,$EJ$11+1,FALSE),IF($EJ$6=\"Pas applicable\",HLOOKUP(\"TRI du capital-décès\",$A$1:$DZ$101,$EJ$11+1,FALSE))))))))))))))","v":4.2299999999999997E-2},null,null,null,null,null,0]
[17,61,0,5.8999999999999997E-2,3.9E-2,0,430865,318469,167427,0,0,0,0,430865,318469,167427,1262143,0,1693008,1580612,1429570,0.1178,0.11210000000000001,0.1037,0,12974.88,12974.88,12974.88,0,0,0,0,12974.88,12974.88,12974.88,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,24339,12178,0,1262143,1262143,1262143,6741.75,6741.75,6741.75,346660.52,346660.52,346660.52,1346348.13,1233952.27,1082909.52,139436,197447,279975,0.45,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,37892,0,0,84205,0,0,392973,318469,167427,11365,-796,-12974,33,24,12,null,null,null,null,null,null,null,null,"Scenario 2:",null,"IRR on Death Benefit Compare Year",{"$f":"IF($EG$10=\"English\",IF(Calculations!$AT$3=\"English\",(IF($EJ$1=\"Term\",(HLOOKUP(\"Total IRR on death\",$A$1:$R$77,Calculations!$AS$2+1,FALSE)),IF(EJ$6=\"Current\",HLOOKUP(\"Total IRR on death benefit (Current rate)\",$A$1:$DZ$100,Calculations!$AS$2+1,FALSE),IF($EJ$6=\"Current minus 1%\",HLOOKUP(\"Total IRR on death benefit (Current 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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
["Product Name","SunUniversalLife II"]
["Death Benefit Option","Insurance amount + fund"]
["Death Benefit Option Index Rate",1]
["Payment Frequency","Annually"]
["Joint age",44]
["Joint rating",100]
["",""]
["P1 First Name","Person1"]
["P1 Last Name",""]
["P1 Gender","M"]
["P1 Age",55]
["P1 Smoker","No"]
["P1 Client Ratings","No"]
["P1 Mortality Assessment",100]
["P1 Permanent Flat Extra",0]
["P1 Temporary Flat Extra",0]
["P1 Temporary Flat Extra Years",0]
["",""]
["P2 First Name","Person2"]
["P2 Last Name",""]
["P2 Gender","F"]
["P2 Age",50]
["P2 Smoker","No"]
["P2 Client Ratings","No"]
["P2 Mortality Assessment",100]
["P2 Permanent Flat Extra",0]
["P2 Temporary Flat Extra",0]
["P2 Temporary Flat Extra Years",0]
["",""]
["C1 Plan Type","Joint last-to-die, COI to second death"]
["C1 Amount",1262143]
["C1 COI Type","Level"]
["C1 Change COI","No"]
["C1 Change COI Type",""]
["C1 Change COI Units",""]
["C1 Change COI Value (based on units)",""]
["",""]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"IF(EG10=\"English\",\"P1 Age\",IF(EG10=\"French\",\"P1 Âge\"))","v":"P1 Age"}]
[{"$f":"IF(EG10=\"English\",\"P1 Gender\",IF(EG10=\"French\",\"P1 Sexe\"))","v":"P1 Gender"},{"$f":"IF(EG10=\"English\",IF(C202=\"H\",\"M\",IF(C202=\"F\",\"F\",C202)),IF(EG10=\"French\",IF(C202=\"M\",\"H\",IF(C202=\"F\",\"F\",C202))))","v":0}]
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[{"$f":"IF(EG10=\"English\",\"P1 First Name\",IF(EG10=\"French\",\"P1 Prénom\"))","v":"P1 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P1 Last Name\",IF(EG10=\"French\",\"P1 Nom\"))","v":"P1 Last Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Age\",IF(EG10=\"French\",\"P2 Âge\"))","v":"P2 Age"}]
[{"$f":"IF(EG10=\"English\",\"P2 Gender\",IF(EG10=\"French\",\"P2 Sexe\"))","v":"P2 Gender"},{"$f":"IF(EG10=\"English\",IF(C207=\"H\",\"M\",IF(C207=\"F\",\"F\",C207)),IF(EG10=\"French\",IF(C207=\"M\",\"H\",IF(C207=\"F\",\"F\",C207))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 Smoker\",IF(EG10=\"French\",\"P2 Fumeur\"))","v":"P2 Smoker"},{"$f":"IF(EG10=\"English\",IF(C208=\"Oui\",\"Yes\",IF(C208=\"Non\",\"No\",C208)),IF(EG10=\"French\",IF(C208=\"Yes\",\"Oui\",IF(C208=\"No\",\"Non\",C208))))","v":0}]
[{"$f":"IF(EG10=\"English\",\"P2 First Name\",IF(EG10=\"French\",\"P2 Prénom\"))","v":"P2 First Name"}]
[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":"P2 Last Name"}]
["C2 Amount"]
["A2 Montant"]

{"sheet":"Scenario3","index":27,"n_rows":212,"n_cols":144,"rows_kept":212,"cut":false,"hidden":true,"merged":[]}
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[{"$f":"IF(EG10=\"English\",\"P1 Gender\",IF(EG10=\"French\",\"P1 Sexe\"))","v":false},{"$f":"IF(EG10=\"English\",IF(C202=\"H\",\"M\",IF(C202=\"F\",\"F\",C202)),IF(EG10=\"French\",IF(C202=\"M\",\"H\",IF(C202=\"F\",\"F\",C202))))","v":false}]
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[{"$f":"IF(EG10=\"English\",\"P1 First Name\",IF(EG10=\"French\",\"P1 Prénom\"))","v":false}]
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[{"$f":"IF(EG10=\"English\",\"P2 Last Name\",IF(EG10=\"French\",\"P2 Nom\"))","v":false}]
["C2 Amount"]
["A2 Montant"]