Protected Investments

Segregated funds, unlike mutual funds, are insurance contracts and are governed by the Insurance Act. This allows them to offer additional guarantees and benefits.

• Income guarantees that ensure you receive your entire deposit back in the form of income.
• Potential bonuses can be earned when no income is taken for a calendar year.
• Resets are available to help you lock in potential market gains and increase certain guarantees.
• The death benefit guarantee protects a specific percentage of the value of an investment upon the death of the contract holder.
• The maturity guarantee protects a percentage of the value of an investment at the end of a specified term.
• In the event of death of the annuitant, the proceeds of an insurance contract pass directly to a named beneficiary without going through probate, thereby avoiding administration fees
• Segregated fund assets are protected from creditors
• Allows small business owners, professionals and entrepreneurs to ensure their personal financial assets are not subject to professional liability