Segregated fund policies give you growth potential while protecting your money with maturity and death benefit guarantees. These guarantees protect part or all of your initial investment; when you reach your maturity guarantee date or pass away, if your investment is worth less than its original value, the insurance protection will top you up to your chosen percentage – either 75% or up to 100% of your original value, proportionately reduced by any withdrawals.

To ensure your future income, the optional lifetime income benefit feature provides protection against
the risk of outliving your money, market downturns and losing your buying power. Your income won’t be reduced no matter how the segregated funds perform, unless you take out excess money. As your investment grows, the amount protected can periodically increase to reflect the current market value of your investment.

Segregated fund policies can help protect your money should you run into tough nancial times. They can help ensure certain beneficiaries take priority over the claims of creditors. In these situations, your segregated fund investments could be protected, even if you owe money, are sued or file for bankruptcy.

In the event of your death, the person you choose to settle your affairs could find the process stressful. Segregated funds offer a simple and straightforward way to pass on your money. Unlike some investments, the death benefit from your segregated fund policy will go directly to your beneficiaries and won’t flow through your estate. This could be faster, less expensive and less stressful than other options. If the policy has a designated beneficiary, the way you choose to leave your money, and to whom, is private.