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1.What is Segregated Fund?
A Segregated Fund is a type of investment fund administered by Canadian insurance companies in the form of individual, variable life insurance contracts offering certain guarantees to the policy holder such as reimbursement of capital upon death. As required by law, these funds are fully segregated from the company’s general investment funds. A segregated fund is an investment fund that combines the growth potential of a mutual fund with the security of a life insurance policy. Segregated funds are often referred to as “mutual funds with an insurance policy wrapper”.
2.Who should consider Segregated Funds?
Business owners and professionals who wish to have guaranteed contribution and save their beneficiaries from seizure by creditors, bankruptcy and lawsuit after their death can especially benefit from Segregated Funds. Given the nature of their guaranteed payouts at death or maturity, they merit serious consideration by investors nearing retirement or seeking to secure their investments.
3.Benefits of Segregated Funds
- Guarantee at maturity: Money invested in a segregated fund has a guaranteed payout of 75% upon maturity.
- Guarantee upon death: At your death, the amounts invested in your segregated fund contract are guaranteed at 100%.*
- Potentially creditor protected: Designation of one or more beneficiaries within the class of beneficiaries as prescribed by the applicable insurance legislation potentially protects your funds from seizure by creditors.
Simplified estate settlement: Upon your death, all funds payable are distributed directly to your designated beneficiaries and do not become part of your estate, avoiding estate fees.
Beneficiary designation for non-registered contracts: Estate planning and intergenerational wealth transfer can be facilitated through direct beneficiary designations.
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