Looking for a investment with "Guaranteed Principal Protection", "The Potential for Higher Returns" and the "Diversity of Mutual Fund Investing".

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Segregated Fund" investments offer :

  • Principal Protection
  • Estate Planning Benefits
  • Potential creditor protection
  • Professional fund management covering all asset classes
  • Bypassing your estate and will, thereby keeping your beneficiary designation(s) private
  • Avoiding the potential of delays should your will be contested
  • Registered (RRSP, RIF, LIF, or LRIF) or non-registered investments

Segregated Funds combine the potential for higher returns, diverse selection of investments, with the guarantees and protection of a life insurance product.

  • Depending on the level of protection, all or a portion (usually 75% or 100%) of investments made are guaranteed at death or at the maturity of contract.

  • The value of the investment contract is paid directly to the beneficiary at the death of the owner (annuitant).

  • The beneficiary or beneficiaries receiving the proceeds from a "segregated fund" upon death receives the funds directly thereby bypassing the estate, avoiding the cost of probate fees, as well as potential delays, the associates legal costs and accounting costs.

  • The potential for " Creditor Protection" of your segregated fund investment, provided you have chosen a preferred designated beneficiary. (e.g. spouse, mother, father, or children)