SEGREGATED FUNDS FOR BUSINESSES

Segregated funds, similar to traditional mutual funds are especially attractive to businesses owners or professionals seeking creditor protection.

Segregated Funds Work Like This
Segregated Funds combine mutual fund-like investment with the protection of an insurance policy. As with mutual funds, an investor's money is pooled to purchase stocks, bonds and other securities and will change in response to changes in their value.

Segregated Funds Right For You?
Segregated funds are right for you if you think out your objectives, the length of time you plan to invest and your risk tolerance. Entrepreneurs, business owners and professionals who risk personal liability may wish to take advantage of the potential creditor protection available.

Segregated Funds Offer These Features And Benefits:
Potential creditor protection
Segregated fund investments may be protected if the funds have been invested for at least one year, the investor is not already insolvent, there is no fraudulent intent at the time and a family class beneficiary is named in the Will. Creditor protection is not guaranteed.

Estate and Probate Fees
Segregated Funds are not subject to certain estate or probate procedures, which may vary from province to province.

Segregated Funds Basic Guarantees
A guarantee of 75 to 100 per cent of all deposits made to the policy (less reduction for withdrawals) on death and maturity.