Explore insurance-based investment options in the context of your family, your time horizon and the legacy you want to leave. We help you decide whether the added features are worth the cost for your plan.
Discuss my investment goals
Individual segregated fund contracts are issued by life insurers and invest in professionally managed portfolios. Their value changes with the underlying investments. Contracts include maturity and death benefit guarantees subject to their terms.
A guarantee applies at the specified maturity date or death, rather than to every withdrawal. Guarantee levels, dates and conditions vary by contract; investment returns are not guaranteed.
Fees are generally higher than comparable mutual funds because of the insurance features. Early withdrawals can result in losses and affect guarantees. We review costs, access to funds and investment risk before discussing a recommendation.
Tell us what this money is for and when you may need it. We will discuss your comfort with market changes, family priorities and other savings so that the conversation begins with your needs.
Yes. Market values fluctuate and losses are possible. Contract guarantees apply only under the stated conditions.
Withdrawals are subject to the contract. Taking money out can reduce guarantees and may trigger charges or tax consequences.
Review the insurer’s information folder, contract and Fund Facts, including risks, fees and guarantee conditions.
Start with a conversation about your goals. Toronto, the GTA, or by video anywhere in Ontario.