What is
Segregated Funds
Segregated funds are insurance-based investment products offered exclusively by life insurance companies. They allow you to invest in market-based portfolios, similarly to mutual funds, but with added layers of protection, guarantees, and estate benefits that traditional investments don’t provide.
What it Covers?
75% to 100% principal guarantee at death or maturity
Creditor protection (in certain cases, which is ideal for business owners)
Bypass probate, funds go directly to your named beneficiaries
Automatic reset options to lock in market gains
Wide variety of investment styles and risk levels
Who Is It For?
Investors nearing retirement or wanting guarantees with growth
Business owners or professionals seeking creditor protection
Individuals who want to pass assets directly to beneficiaries
Those who value structure, privacy, and estate efficiency