Ai Financial 2025 Winter Promotion

Free iPhone 16 pro max for $200k Loan

Turn Small Capital into Big Opportunities with Investment Loans

Get an iPhone 16 Pro Max or an Apple Watch
when you invest with investment loan.

Between January 20, 2025, and March 31, 2025, clients who apply for a Quick Loan via the Ai Financial online self-service investment system and successfully receive loan funds by May 31, 2025, while also completing a Google review, will receive the following rewards:

For Loan amount of $100,000 - $199,999:

An Apple Watch Series 10 GPS 46mm (Jet Black)

For Loan amount of $200,000 or more:

An iPhone 16 Pro Max 256GB (Black Titanium)

Take advantage of this limited-time offer. Conditions apply.

Promotion for existing clients

Referral your friends, get an iPhone! Check out this promotion here: (link)!

Earn up to iPhone 16 Pro Max in 3 easy steps!

Step 1
Online Application

Between January 20, 2025, and March 31, 2025, complete your investment loan application.

Complete the following by March 31, 2025:

Register on the Ai Financial online self-service platform.
Use the Ai Financial online self-service platform to finish application.

Step 2
Loan Approval and Confirmation

Wait for the loan to be approved and successfully disbursed by May 31, 2025.

After settlement, you’ll receive a confirmation email with the final loan amount.

The reward you receive will be based on the final settled loan amount, not the application amount.

Step 3
Complete a Google review

Complete a Google review and notify us by May 31, 2025, following the steps:

Log in: Use a valid Google account to log in.
Visit Ai Financial’s Google page: Search “Ai Financial” in google or use this link: Google Review Page.
Rate and review:
- Provide a 5-star rating for Ai Financial.
- Write a review of at least 20 words describing your loan experience and satisfaction with our service.
Submit your review: Click the “Post” button.
Notify us: Save a screenshot of your completed review and email it to: aif2025promotion@gmail.com for verification. Please use the loan applicant’s full name followed by “GR” as the email subject. For example: “John Smith GR”.

Once your review is confirmed, your iPhone 16 Pro Max will be shipped within 60 business days.

Terms and Conditions apply. Ensure your contact information is up-to-date for smooth processing.

This is more than just a promotion

It’s the first step towards your financial freedom

Why you need investment loan

Leverage allows you to invest more than your initial savings, multiplying your growth potential.

We specialize in using investment loans to help you invest in Segregated Funds, with an average annual return of 21.6%, we’ve helped clients double their investments in just five years.

*Investment loans are strictly intended for investing in segregated funds (seg funds) and cannot be used for any other purposes.

It is designed to: maximize investment capital and accelerate asset growth.
You need to pay: only the interest at rate 6.2%, which is $1033 per month for $200k loan. (When interest rates decrease, your payment will also decrease.)
It will invest in: segregated funds that can protect your capital.
It supposed to: diversify your portfolio and combat inflation.

What can segregated fund offer?

Segregated funds, offered by life insurance companies, are designed to grow your wealth like other investment tools. However, they stand out by providing a balance of growth potential and risk management, making them an ideal match for investment loans.

It provides: maturity and death benefit guarantees of 75% or 100% of your investment.
It offers: protection from creditors.
We help to: select high-quality funds from thousands of options, achieve 20%+ annual return rate in past decade.

Why This Combination Works

Benefits of investment loan

Benefits of segregated funds

Safety Meets Growth

Segregated funds protect your capital while investment loans maximize returns. Grow your wealth with security and minimal risk.

No Income and Asset Proof Required

Skip the hassle of proving income or assets—get approved quickly and start investing right away.

Cash Flow Flexibility

With interest-only payment options, you can keep your cash flow intact while your investments grow.

Your Money is in Good Hand

Why Ai Financial Leads

Ai Financial acts as your trusted broker, providing expert investment advice and handling loan and fund applications.

Trusted institutions from Canada’s top banks and insurers
Fully regulated for maximum security
Funds stay safe in your personal account
Access through licensed intermediaries only
Consistently delivering over 20% annual returns

Trusted Canadian lender

Segregated Funds providers

We are regulated by

Client Success Spotlight

Here are some real client success stories.
All screenshots are from actual client accounts.
See how investment loans and our expertise can help grow your wealth.

$140k Profit in 2.5 Years:
400% Real Return

Alex took a $200,000 investment loan with us in 2022 to invest in our recommended segregated funds. This year, his account profit has reached $140,000.

5 Years, double wealth:
$100k Becomes $250k

Sophia’s investment return has already reached nearly 30% this year! In 2018, she took a $100,000 loan to invest. By last year, her assets had already doubled, with a profit of $150,000!

$95k Profit in 2.5 Years:
A 380% Real Return

Mark’s journey is proof that smart financial moves can change lives. After immigrating to Canada and facing financial hardships, he used a $170,000 investment loan through Ai Financial to achieve a 380% real return in just two years!

FAQ

How Do You Charge Fees?

For investment loans: The insurance company automatically charges a one-time 5% fee from the loan amount, which includes our service fee. You don’t need to pay AiF directly.

Example: If you borrow $100k, a $5k fee will be deducted, leaving you with $95k as your initial investment. However, your loan interest will still be calculated based on the full $100k.

For self-funded investments: The insurance company also charges a one-time 5% fee from your investment amount, which includes our service fee. Again, there are no extra charges from AiF.

Example: If you invest $100k of your own money, the insurance company deducts $5k, leaving $95k as your initial investment. This is a one-time fee with no further charges.
If you wish to cancel your investment later, the process and any applicable adjustments will depend on the specific situation.

What is the interest rate? Will it change?

The interest rate is Prime + 0.75%, which means it adjusts based on changes in the Prime Rate.
Currently, the investment loan interest rate is 6.7%.
For example, if you borrow $200k, your monthly interest payment would be $1,116.70.

Can I cancel the loan anytime?

Yes, you can cancel the investment loan at any time without penalties.
Upon maturity, the loan is automatically renewed with no need for reapproval.

What happens if I can’t pay the interest?

You can withdraw up to 10% of your investment gains each year without any fees. This amount can help cover a portion of the interest.
You have the option to reduce your loan amount (e.g., from $200,000 to $100,000). As long as your account is not in a loss, this adjustment incurs no penalties.

What happens if I cancel the loan while at a loss?

If you cancel the loan while having a paper loss, you will need to cover the loss difference.
For example, if your account balance is $80k and the loan amount is $100k, you will need to pay the $20k difference to fully repay the loan.
The “principal protection” feature of the segregated fund is typically only effective at maturity (e.g., 15 years). If you cancel before maturity, you will not be able to benefit from this protection.

What products are purchased with the borrowed funds?

The borrowed money will be invested in Segregated Funds (Seg Funds), a secure and growth-oriented product offered by leading insurance companies. Seg Funds combine mutual fund investment benefits with added insurance features:

Principal protection guaranteed at maturity or in case of death
Creditor protection potentially shielding your investments from claims
Probate fee exemption allowing direct inheritance to beneficiaries without delays or additional costs

Under Ai Financial’s management, clients investing in Seg Funds have achieved an average annual return of over 20% in the past decade.

How does the principal protection feature of segregated funds work?

The principal protection of segregated funds is typically available at maturity or in the event of death.

Example:

You invest $100k using an investment loan in a 10-year fund with 75% principal protection at maturity.
If, at the end of 10 years, your account shows a loss of $60k, the protection will top up your investment to 75% of $100k, which is $75k.
The insurance company will cover the $15k loss ($100k * 75% – $60k).
You will need to cover the remaining 25% loss, which is $25k.

What’s included in Segregated Funds?

Segregated Funds consist of two parts: the fund and insurance. Simply put, they are like Mutual Funds but with added insurance protection.

Ai Financial focuses on value investing, selecting funds that prioritize long-term, stable growth.
The funds are primarily composed of high-tech AI investments.
Over the past decade, our clients have enjoyed an average annual return of over 20%.

If the market crashes, what happens to the money I borrowed?

Your investment in Segregated Funds includes a maturity or death benefit guarantee (75% or 100%), which protects a portion of your initial investment. However, this protection applies only when the fund matures (e.g., 10 or 15 years later) or in case of death.
If you choose to cancel your investment during a market downturn, you will need to cover any losses beyond the guaranteed amount.
If you hold the investment until maturity, the guarantee will help recover losses based on the agreed percentage.
During market crashes, staying invested allows you to benefit from potential market recoveries, especially with long-term strategies.
You can continue paying just the interest on your loan, giving the market time to rebound while your investment grows.

This approach ensures that even during a market crash, your funds have built-in protections and time to recover.

Is my money safe? Will you move my funds elsewhere?

Your money is completely safe and remains in your own account with trusted Canadian banks or insurance companies. Ai Financial never directly handles or transfers your funds.

Here’s why your money is secure:

All funds are held under your name in accounts at Canada’s leading banks and insurance companies.
Ai Financial is fully regulated by top financial authorities.
Even in the unlikely event that Ai Financial ceases operations, your funds are protected by financial regulators and the insurance company’s safeguards.

You have full control over your funds, ensuring they are never at risk of unauthorized access.

Can I use my own money to invest?

Yes, you can use your own funds to invest.

The insurance company will charge a one-time fee of 5%, which includes Ai Financial’s service fee.
For example, if you invest $10k of your own money, $500 will be deducted as a fee, leaving $9,500 as your initial investment.
This is a one-time fee, and there are no additional charges after that.

What type of accounts can I use for investing?

For investment loans, only non-registered accounts are allowed.
If you want to invest using your own funds, we also manage registered accounts such as RRSPs, TFSAs, and RESPs.
Our team can help you choose the right account based on your financial goals.