Segregated Fund Policies
Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors.
These advantages can include:
- Ability to designate a beneficiary to bypass the estate
- Potential for creditor protection1
- Savings on potential probate fees, if any
- Maturity and death benefit guarantees
- No trustee fees
- Lifetime income benefit option
We have access to a wide variety of segregated funds. Contact us today to find out how segregated funds could strengthen your investment portfolio.
A description of the key features of the segregated fund policy is contained in the information folder.
Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.
1: Creditor protection depends on court decisions and applicable legislation, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection for your specific situation.