What is a Segregated Fund?

A segregated fund is the insurance industries equivalent to a mutual fund - with some very unique benefits not available with a mutual fund investment.

• We invest in the same type of securities as mutual funds
• Our portfolio managers are mutual fund companies

Why are they called "Segregated Funds"?

The assets in these funds are separate from the general assets of the life insurer - therefore "coining" the term segregated.

Segregated Funds vs. Mutual Funds: the Unique Benefits

• Segragated funds offer guarantee of principal at maturity and death
• Segregated funds offer creditor protection
• Segregated funds offer avoidance of probate

The 100% Guarantee - How does it work?

• It guarantees 100% of deposits less reductions for withdrawals or fees at maturity or death regardless of the market value of the funds
• Maturity is selected by the client, but must be at least 10 years after the first deposit
• We do not start a new 10 year cycle for each deposit

The Freeze Option

Allows clients to lock-in investment gains and increase their guarantees of principal at any time

• No limit to the number of freezes per year
• Powerful concept when markets are rising