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The documents in this website, if translated from English to any other language, may present different meanings than intended. Make sure that you get the advisor on this website to translate and/or guide you prior to making any financial decision, as he or she or the original publisher will not be held liable for any error or omission or loss, if you proceed based on any information without professional guidance. The translation offered is only for general text translation and is not intended to teach or present final decisive financial information upon which to make a financial decision as automatic translators can occasionally be inaccurate with certain dialects.

General Disclaimer

All parties from which this Internet Website communication originates, including all parties depicted or identified in this publication either by name or company name or logo or trademark or registered trademark or photograph, including all parties that issue any professional designation or license, including the publisher, Canadian Financial Publishing Group Inc., and those who have paid for or delivered this communication, and the writers of all content of this Internet Website, will not be held liable in any way for any inaccuracies, errors, or omissions in the information in this Internet Website or any link to any other Website, nor will they be held liable for decisions or financial applications based on the information provided on this Internet Website or any print made from this Internet Website.

This Internet Website does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors should consult with their advisor to determine if any life insurance product if defined on this Internet Website may lawfully be sold in their jurisdiction. The information in this publication is provided for educational and information purposes only. You should not rely on, act on, or make any decision including a financial planning decision, estate planning decision, tax planning decision, or investment decision, transfer, or redemption, or any decision, based on any information in this publication as the information may not be complete or timely or may not be applicable to current legislation and may not apply in any way to your specific circumstances. Any indicated mathematical rate of return on an investment is the historical annual compounded total return including changes in share value and reinvestment of any dividends or distributions and does not take into account sales, redemption's, commissions, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Any mathematical rate of return on investment, or market valuation, set forth in a table or graph, shown in this Internet Website is used only to illustrate the effects of the compound growth rate or the historic market values and is not intended to reflect the returns on investment or future values of any stock exchange or index or the future values or asset allocation service. Before acting on any idea presented in this publication, all readers are strongly advised to get more detail and seek out and get additional professional advice relative to their distinct circumstance. Borrowing for investment purposes can magnify the risk of investing. Unless otherwise noted, this publication is written and published by and is a copyright of Canadian Financial Publishing Group Inc. All information and opinions contained in this Internet Website are obtained from various sources and are believed to be true and dependable, however accuracy of content is not guaranteed and is not to be read or applied as professional advice. Trademarks and registered trademarks are owned by Canadian Financial Publishing Group Inc, and by other companies that may be mentioned within this Internet Website or linked to herefrom. Reproduction by any means without written permission of the publisher is strictly forbidden.

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