Term Life Insurance
Mortgage Insurance
Permanent Life Insurance
Universal Life Insurance
Critical Illness
Disability Insurance
Business Insurance
Group Employee Benefits
RRSPs
Seg Funds
Tax-Deferral
|
|
 Segregated
(seg) funds are the common name given to individual variable insurance contracts.
If you own mutual funds, your flying without a "parachute" to cushion
a fall in case of market volatility. Seg funds are like mutual funds with
an insurance
contract around it that provides a maturity and death benefit guarantee to the
investment. Segregated funds are excellent for professionals and business owners,
since they provide creditor protection and can be diversified to your individual
investment portfolio. Most importantly, seg funds protect your retirement savings
for when you need it most. |
|
Seg fund assets are kept and managed separately from the general assets of
a life insurance company. They are similar to mutual funds in the following ways:
- Managed professionally
- Diversified
- Varied to meet different investment objectives
- Liquid so that you can acquire or redeem units at any time
- Registered or unregistered, and can accept locked-in money
Because segregated funds are insurance products, they offer guarantees and
other benefits not available with mutual funds:
- No probate fees (estate planning benefits)
- Potential creditor protection
- Maturity and death guarantees
- Comp Corp protection
|
|
|
MAIN
PAGE
Are
you willing to lose your hard earned retirement savings?
