Segregated Funds

We are a financial firm that ensures your choice of segregated funds meets your objectives and risks.

Are you in need of expert advice on achieving the desired financial security for your retirement with death and maturity guarantee?

Segregated funds are investment plans that are designed as deferred variable annuity contracts with life insurance benefits. They must be held until they mature which means investors chose funds based on the objective and product terms.

When an investor purchases segregated funds, he or she enters a contract called an individual variable annuity contract which is designed to provide the contract holder with an opportunity to save allowing premium payments through deposits. The premiums are allocated to one or more funds as chosen by the contact holder and advised by the life insurance expert. Segregated funds may be registered as RRSP or RRIF under the income tax act and designated as either locked in RRSP or locked-in retirement accounts.

Segregated Funds are considered to be insurance products sold by insurance companies that govern, regulate, and oversee them. The investment is given a specified period in which it is supposed to gain capital appreciation as well as death benefits should the investor die before the maturity of the investment. The segregated funds are characterized by pay-out of 75-100% of total premium which is unlike mutual funds which the investor has the risk of losing all of their investments.

Any Canadian who is looking for individual, variable life insurance guarantee as an asset. Before buying segregated funds, ensure it meets the objectives of your investments and risk tolerance.