Compartmentalizing your assets is a good way to protect your future investments.
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