Segregated Funds

Segregated funds (or "seg funds") are investment funds that are only sold by life insurance companies. They are similar to mutual funds but include insurance guarantees that can protect your principal investment from market downturns.

Who is it for?

Segregated funds are attractive to investors who:

• Want to participate in market growth but are concerned about losing their initial investment.
• Are looking for potential creditor protection for their non-registered assets.
• Want to ensure their investment bypasses probate and is paid directly to a named beneficiary upon death.

Key Features

• Maturity Guarantee: Guarantees that you will receive at least 75% to 100% of your initial investment back at a future date (typically 10+ years), regardless of market performance.
• Death Benefit Guarantee: Your named beneficiary will receive 75% to 100% of your contributions, tax-free, even if the market value is lower.
• Potential Creditor Protection: In certain circumstances, seg funds can be protected from creditors in the event of bankruptcy.