As of January 1, 2026, the EquiBuild Fund Declared Rate will remain at 6.0%.
| EquiBuild Fund Declared Rate |
| 2025 | 2026 |
| 6.0% | 6.0% |
Consequently, the rate used to calculate the annual bonus for in-force EquiBuild and Legacy policies will be 6.0% and the rate credited to the EquiBuild account will be 4.5% (the Fund's declared rate less a management fee of 1.5%). Note that EquiBuild and Legacy are no longer available for new sales.
The decision to maintain the rate results from our solid and diversified investment strategy, the smoothing formula1 and the current economic climate.
For more information, see the Fund document.
1 The smoothing formula is based on long-term return estimates, while spreading out major fluctuations, both positive and negative, in the Fund's actual returns against the credited returns in order to foster a stable rate with low volatility from one year to the next.
