Segregated fund policies

Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional fund managers invest in a variety of individual securities, and the value of your policy’s unit increases or decreases 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:

  • Potential for creditor protection1
  • Savings on potential probate fees
  • Base and optional enhanced capital guarantees
  • No trustee fees

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 life insurance contract under which segregated funds are made available is contained in the information folder, available from your financial security advisors.

Any amount that is allocated to a segregated fund is invested at the risk of the policyholder and may increase or decrease in value.

1Creditor protection depends on court decisions, 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.