Segregated Funds

What are Segregated Funds?

Segregated funds are essentially an insurance product that performs the same way as a mutual fund in giving you exposure to a diversified portfolio of stocks and other assets. Segregated funds will give you additional benefits that mutual funds can’t.

WHAT ARE SOME OF THE BENEFITS OF SEGREGATED FUNDS?

Maturity guarantees

Segregated fund policies provide guarantees of either 75% or 100% of the premiums paid depending on the product selected.

Death benefit guarantees

Segregated fund policies provide a principal guarantee in the event of death. This death benefit guarantee is usually either 75% or 100% of the premiums paid.

Potential protection from creditors

Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors.

Speedy estate settlement

Segregated fund policies can help speed up estate settlement with protection for you and your family. If you name a beneficiary, the death benefit isn’t subject to the delays and expenses of the probate process.

Named beneficiary

You can choose one or more beneficiaries. These designations can be your estate, your children or other individuals, or associations such as charities.

To find out more about investing with Segregated Funds, contact your MDL Advisor.