Put the benefits of segregated fund policies to work for you. They have unique features that make them different from mutual funds.

Maturity Guarantees
Segregated fund policies provide guarantees of either 75% or 100% of the premiums paid (less a proportional amount of redemptions), depending on the product selected. These guarantees allow you to plan more effectively for life events such as your retirement.

Death benefit guarantees
Segregated fund policies provide a principal guarantee in the event of death. This death benefit guarantee is usually either 75% or 100% of the premiums paid (or policy value if you’ve locked in market gains with policy resets) less a proportional amount of redemptions, depending on the product selected.

Potential protection from creditors
Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It’s important to note that creditor protection may depend on court decisions concerning such laws, which can be subject to change and can vary for each province. This protection cannot be guaranteed.

Speedy estate settlement
Segregated fund policies can help speed up estate settlement with protection for you and your family. If you name a beneficiary, the death benefit isn’t subject to the delays and expenses of the probate process. For non-registered policies (where the beneficiary is not the estate), several estate planning options are available to help organize future income payments for your beneficiary, in addition to the traditional option of a lump-sum payout.

Named beneficiary
You can choose one or more beneficiaries. These designations can be your estate, your children or other individuals, or associations such as charities.
Features vary by age and product. Ask us for more information