Segregated Funds
A segregated fund is a type of investment vehicle commonly used to manage individual, variable annuity insurance products. Investors can expect to receive guarantees that can protect much or even all of their original investment and also some of the additional benefits of a life insurance contract.
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1
Guaranteed Savings Protection​
Protect the value of the premiums you paid on the contract maturity date and on death. The guarantees are 75% to 100% of your premiums (reduced for any withdrawals). Some segregated fund contracts also offer income guarantees.
2
Diverse Portfolio: Beneficiaries.
You can name a beneficiary to receive a death benefit from your registered or non-registered accounts. Your beneficiary will receive the death benefit when you die. The death benefit is the contract value at death, or the guaranteed amount, whichever is higher. The death benefit bypasses your estate and goes directly to them. You can also control how your beneficiary gets the benefit: as a lump sum or in the form of a payout annuity.
3
Potential Creditor Protection
This means that creditors may not be able to take the funds you have in your segregated fund contract.
4
Guaranteed Income Options
Some segregated fund contracts offer lifetime guaranteed income. This can help provide you with a guaranteed income for life.
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