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What is Segregated Funds?

"I Want To Grow And Protect My Money."

Segregated (or seg) funds are an investment product sold by life insurance companies. They are individual insurance contracts that invest in one or more underlying assets, such as a mutual fund.

Unlike mutual funds, segregated funds provide a guarantee to protect part of the money you invest (75% to 100%). Even if the underlying fund loses money, you are guaranteed to get back some or all of your principal investment. But you have to hold your investment for a certain length of time (usually 10 years) to benefit from the guarantee. And you pay an additional fee for this insurance protection.

We represent Segregated (or seg) funds from major Canadian insurance and fund companies. Click to view our primary fund providers.

Benefits of Segregated Funds

Principal guaranteed

Choose one of the guarantees for maturity and death benefits, 75% or 100% of the amount invested, to help ensure your savings remain protected. This means that when your investment reaches its maturity date or when you pass away, if your investment is worth less than its guaranteed value, the insurance protection will top you up. Naturally, it will be proportionally reduced by any withdrawals.

Beneficiaries

If you think you might want to pass along your assets to your loved ones, segregated funds offer a great solution.

Segregated funds help you preserve your money by:

Guaranteeing that your beneficiaries receive a certain percentage of your investments
Allowing your proceeds to pass directly to your beneficiaries without going through probate (the process by which a court formally approves a Will). This means:

Your loved ones receive the money faster
Your estate remains private
More money is passed along

Potential creditor protection

This means that creditors may not be able to take the funds you have in your segregated fund contract.

Security benefits + Insurance benefits

Segregated Funds, like Mutual Funds, are investments based on market dynamics. A large amount of money belonging to many people is invested in stocks, bonds or other securities under the operation of fund managers with the purpose of increasing the value of the entire pool of funds and creating returns for investors.

However, since segregated funds contracts are insurance contracts, they have something special that mutual funds do not have.

Mutual Funds

Simple and easy to buy and sell
Manage by professional team
Diversification
Low cost and high transparency
Strong liquidity, providing cash flow
Tax convenience
Accept PAD

Principal guarantee
Probate-free
Named beneficiary
Creditor protection

Segregated Funds

Simple and easy to buy and sell
Manage by professional team
Diversification
Low cost and high transparency
Strong liquidity, providing cash flow
Tax convenience
Accept PAD

Principal guarantee
Probate-free
Named beneficiary
Creditor protection

Ai Financial services on segregated funds

Your One-Stop Shop for Segregated Funds

Our company acts as an agent for segregated funds, offering products from leading insurance and fund companies such as iA Financial Group, Manulife, Canada Life, Equitable Life, and Sun Life. These top-tier companies provide security and assurance, ensuring that the products we sell are authentic and reliable.

Main Providers

iA Financial Group provides life, health, property, and casualty insurance, plus savings products, group pensions, financial planning, and 1,000+ segregated funds.

Manulife is currently Canada’s largest life insurance company and one of the top 15 in North America. It offers over 600 segregated funds.

Canada Life offers a variety of insurance and wealth management products for individuals, families, and businesses, with over 1,900 guaranteed funds.

Equitable Life partners with advisors nationwide, providing life and health insurance, savings, retirement plans, and group benefits, with 90+ guaranteed funds.

Sun Life, with over 150 years in Canada, started with insurance sales and now offers wealth solutions and custom health plans.

It’s Easy to Get Started

Book an appointment with our Financial Advisor to understand your unique situation and get personalized advice. An advisor can help you make the best choices according to your reality. Start investing with as little as $50.

Open/Transfer an account

We set up your account based on your goals. Our advisor will recommend the best investment instrument for you: RRSP, TFSA, non-registered plan, etc. We can also help transfer accounts from other institutions if needed.

Choose a guarantee

Still according to your needs, the advisor will propose a product option according of the type of guarantee. Remember, it’s the main advantage of Segregated Funds!

Choose the portfolio funds

The last step involves crafting a personalized fund portfolio based on your reality. Our strength lies in our track record: achieving a 20%+ average annual return over the past decade (21.6% from 2013 - 2023), providing clients with doubling of investments within five years.

If you’re looking to validate our investment capabilities over time, start with a $50 monthly pre-authorized debit (PAD) plan or open a $1000 TFSA account.

If you trust us already, consider an investment loan for a chance to achieve your financial goals 10 years ahead of others. AiF helps you harness the power of compound interest.

Additional information

How to Get Started?

Eligibility