Segregated fund policies

Segregated fund policies are similar to mutual funds, but they’re only available through life insurance companies. Professional investment managers invest in a variety of individual securities, and the value of your policy’s units increase or decrease with the performance of the segregated funds you select. However, because segregated fund policies are a form of life insurance, they have advantages for some investors.

These advantages can include:

  • Ability to designate a beneficiary to bypass the estate
  • Potential for creditor protection1
  • Savings on potential probate fees, if any
  • Maturity and death benefit guarantees
  • No trustee fees
  • Lifetime income benefit option

I have access to a wide variety of segregated funds. Contact me today to find out how segregated funds could strengthen your investment portfolio.

A description of the key features of the segregated fund policy is contained in the information folder.

Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

1Creditor 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.