Segregated funds
Grow your wealth by investing with a safety net
Segregated fund policies give you the freedom to invest while offering insurance protection to preserve your savings. With our choice of guarantees, you can expand your wealth and secure it at the same time.
How do segregated funds work?
In a nutshell, a segregated fund is a pool of money spread across different investments. It’s managed by experts and helps you diversify your savings and protect them from dips in the market. Depending on how much you’re looking to invest, there’s a broad range of series choices with different fee designs.
Benefits of investing in segregated funds
Guaranteed savings protection
Choose one of our guarantees for maturity and death benefits, 75% or 100% of the amount invested, to help ensure your savings remain protected. This means that when your investment reaches its maturity date or when you pass away, if your investment is worth less than its guaranteed value, the insurance protection will top you up. Naturally, it will be proportionally reduced by any withdrawals.
Diverse portfolio
Invest in one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. An advisor can help you make your choice based on your comfort with risk and financial goals.
Potential creditor protection
Your investments could be protected even if you face unexpected lawsuits or bankruptcy. With such protection, after your passing, the death benefit will go to your beneficiaries, not creditors. Footnote *
Privacy
Your designated beneficiaries (if you decide to have them) are a private matter and won’t be disclosed. Footnote **
More ways to invest with segregated funds
Estate protection
For clients aged 80-90 looking to pass on their money while saving on potential estate fees and taxes.
ExploreConstellation Managed Portfolios
For clients interested in a managed program that customizes an investment strategy to their unique financial goals.
ExploreCanada Life Index ETF Portfolios
Simple, cost-effective, all-in-one investment solutions, diversified across asset classes and global regions, with the added protection of segregated fund policies.
ExploreGeneral disclaimer: You’ll find the detailed descriptions of the segregated fund policy in the information folder provided by your financial advisor. Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.
- Footnote *
- * 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.
- Footnote **
- ** In Saskatchewan, executors must disclose all known life insurance policies owned by the deceased, including segregated fund policies. They must list the insurance company, policy number, designated beneficiaries and the value at the date of death.
