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Guaranteed Investment (Segregated Funds)

A segregated fund is similar to a mutual fund but with added features. They are protected from losing some or all of your initial investment in the fund. Like a mutual fund, a segregated fund is a collection of stocks, bonds and other investments that are managed by a professional investment company. A mutual fund is a security, while a segregated fund is an insurance product.

Who Should Consider Investment Funds?

  • Business Owners, Professionals, Company Officers or Directors for own and company wealth protection

  • All types of investors, from cautious to aggressive, primarily those having a medium- to long-term investment horizon.

Features and Advantages of Segregated funds


Only insurance companies offer segregated funds. Our funds have numerous advantages that set them apart from mutual funds :

  • Guarantee on your deposits, applicable at the maturity of the investment or at death. You can recover the entire amount you have invested.

  • You can protect the amounts generated by your investments in excess of the deposits made.

  • You can protect your savings against potential creditors*.

  • The estate value is protected at death (without probate fees).

  • We ensure the continuity of your contributions in the event of disability*.

  • Investment funds with automatically rebalanced feature are available

*Certain conditions apply.


The segregated funds can be ideally suitable for follow guaranteed type of investments:


Whole Life InsuranceTerm Life InsuranceAccidental Insurance Mortgage Insurance

No Medical Life InsuranceTravel Insurance Health & Dental Critical Illness ● DisabilityLong Term Care

  Group Insurance Guaranteed Investments ● AnnuityRRSP RRIF RESPNon-Registered Plans

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