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Segregated Fund

Put the benefits of segregated fund policies to work for you. They have unique features that make them different from mutual funds.

Benefits of Segregated Fund Policies

  1. Maturity Guarantees
  2. Death Benefit Guarantees
  3. Potential protection from creditors
  4. Speedy estate settlement
  5. Named beneficiary

Maturity Guarantees

Segregated fund policies provide guarantees of either 75% or 100% of the premiums paid depending on the product selected. These guarantees allow you to plan more effectively for life events such as your retirement.

Death Benefit Guarantees

Segregated fund policies provide a principal guarantee in the event of death. This death benefit guarantee is usually either 75% or 100% of the premiums paid (or policy value if you have locked in market gains with policy resets) less a proportional amount of redemptions, depending on the product selected.

Potential protection from creditors

Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It is important to note that creditor protection may depend on court decisions concerning such laws, which can be subject to change and can vary for each province. This protection cannot be guaranteed.

Speedy estate settlement

Segregated fund policies can help speed up estate settlement with protection for you and your family. If you name a beneficiary, the death benefit is not subject to the delays and expenses of the probate process. For non-registered policies (where the beneficiary is not the estate), several estate planning options are available to help organize future income payments for your beneficiary, in addition to the traditional option of a lump-sum payout.

Named beneficiary

You can choose one or more beneficiaries. These designations can be your estate, your children or other individuals, or associations such as charities. Features vary by age and product.

Choose from hundreds of different funds based on your situation. Ask us for more information.

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