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.
See how segregated fund policies can protect your savings, grow your wealth, and help you get the best value for your investment fees.
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Get access to your segregated fund statements and tax slips, while staying up to date on your market values any time you want.
Narrator: We know it's important to get the best value for the investment fees you pay.
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Narrator: Segregated fund policies can do just that.
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down. The text “Adjusted for any withdrawals you’ve made” appear on screen.
Narrator: They offer guaranteed protection for your initial investment if the markets dip.
Description: The line becomes a graphic of a “dollar sign” plant. Text on screen appears: 75 or 100% of the original value
guaranteed.
Narrator: When your policy matures or you die, the insurance will guarantee your choice of either 75 or 100% of the
original money you invest less any withdrawals,
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down, at various points graphics of padlocks appear showing investment gains being locked in. Text on screen appears:
Maturity and death benefit reset options can only be added at time of application to 75/100 and 100/100 guarantee
policies, for an additional fee. Once selected, reset options can’t be terminated. Resets fees vary based on fund selection
and are collected annually from the policy.
Narrator: With the potential to lock in further earnings through the use of resets.
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Narrator: Segregated fund policies also make it easier to pass on your wealth.
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people. The dollar sign plant changes to a graphic of a calendar with the number 2 on it.
Narrator: When you die, funds can be transferred to your beneficiaries outside your estate in as little as two weeks.
Description: The video transitions back to the graphic of the dollar sign plant. Text on screen appears: Legal fees, Probate
fees, Estate settlement fees, Potential taxes. One by one a line is drawn through them.
Narrator: They could also get a potentially higher payout because legal, probate, estate settlement fees and potential
taxes are avoided.
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Invest with the best value for your fees – Canada Life
Narrator: With segregated fund policies, your privacy is protected.
Description: Video transitions to graphics depicting various groups of people along with text on screen: As long as you’ve
named a beneficiary who isn’t the estate.
Narrator: Beneficiary names and payout details are kept confidential.
Description: Video transitions to stock footage of an older couple with their daughter and young granddaughter. Text on screen appears: 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.
Narrator: And when there is a named beneficiary, they may be exempt from seizure by creditors.
Description: Video transitions to stock footage of an older couple with text on screen: 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.
Narrator: To protect your savings, grow your wealth and get the best value for your investment fees
Description: Video transitions to text on screen: Talk to your advisor about Canada Life segregated fund policies today.
Canada Life logo appears with additional text on screen: A description of the key features of the segregated fund policy is
contained in the information folder. Any amount allocated to a segregated fund is invested at the risk of the
policyowner and may increase or decrease in value. These funds are available through segregated funds policies
issued by Canada Life.
Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190
Narrator: Talk to your advisor about Canada Life segregated fund policies today.
Canada Life Segregated funds ranked #1 in 2023 and 2024 for earning the most FundGrade A+ awards, providing protection, privacy, and diversification.
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.
Your designated beneficiaries (if you decide to have them) are a private matter and won’t be disclosed.
General 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.
View detailed information for our segregated fund policies including information folders, fund facts, rates of return, contracts and financial statements.