What is a Segregated Fund?

A segregated fund is the insurance industries equivalent to a mutual fund - with some very unique benefits not available with a mutual fund investment.

We invest in the same type of securities as mutual funds

Our portfolio managers are mutual fund companies

Why are they called "Segregated Funds "

The assets in these funds are separate from the general assets of the life insurer - therefore " coining " the term segregated.

Segregated Funds vs. Mutual Funds: the Unique Benefits

Segragated funds offer guarantee of principal at maturity and death

Segregated funds offer creditor protection

Segregated funds offer avoidance of probate

The 100% Guarantee - How does it work?

It guarantees 100% of deposits less reductions for withdrawals or fees at maturity or death regardless of the market value of the funds

Maturity is selected by the client, but must be at least 10 years after the first deposit

We do not start a new 10 year cycle for each deposit

The Freeze Option

Allows clients to lock-in investment gains and increase their guarantees of principal at any time

No limit to the number of freezes per year

Powerful concept when markets are rising