There's More to an Investment Fund than a Good Return

Value. When it comes to investment funds, people often measure value by one thing only: the return they get on their money. You work hard for your money. You deserve more from your investment fund than just a good return.

Segregated funds offer all the growth potential of other investment funds and more. They offer powerful guarantees that can be reset to lock-in the growth of your investment and protect your capital. They also offer other attractive features, such as creditor protection , and freedom from probate fees .

What are Segregated Funds?

Segregated funds are investment funds that pool together the assets of investors like you with similar objectives who want to:

• diversify their investments;
• reduce their risk and;
• lower their investment costs.

Like mutual funds, segregated funds are professionally managed, come with a variety of payment options and can be easily tracked in the media.

The Canadian Life & Health Insurance Association (CLHIA) has produced an excellent guide on segregated funds that you may find informative, http://www.clhia.ca.

Because segregated funds are sold by life insurance companies, they can offer additional benefits that traditionally come with insurance contracts. They are called "segregated" because the fund assets are kept separate from the general assets of the company.

Subject to any applicable death and maturity benefit guarantee, any part of the deposit(s) or other amount that is allocated to a Segregated Fund is invested at the risk of the Owner and may increase or decrease in value according to fluctuations in the market value of the assets of the Segregated Fund.

Powerful Guarantees

If you buy a traditional mutual fund, there are no guarantees: you could lose everything. With segregated funds, you are guaranteed no less than 75% of your net funds invested* at maturity and 100% if you die.

*Net funds invested are your total deposits minus any withdrawals on a proportional basis that are made to/from the segregated funds

What is a Maturity Date?

Your maturity date is the date your maturity guarantee is payable.

Maturity Guarantee

The maturity guarantees available on Empire Life Investment Products are 75% or 100%. Please contact your advisor for more details.

Death Benefit Guarantee

If you die, your beneficiary or estate is guaranteed a return of 100% of your net funds. Unless a successor annuitant has been appointed.

Resetting Your Guarantee

You can reset your Maturity and Death Benefit Guarantee which will lock in the growth on your assets. Please refer to your Information Folder for details. 

Creditor Protection

If you name your spouse, child, parent or grandchild as the beneficiary of your investments, or if you name an irrevocable beneficiary, your Segregated Funds may be protected from seizure by creditors. This is an important benefit to professionals and small business owners or anyone who could be involved in a lawsuit or bankruptcy.

Freedom from Estate or Probate Fees

If you name a beneficiary other than your estate, the proceeds of your Segregated Funds will be paid out directly to your beneficiary. This means your beneficiary receives the proceeds quickly and there are no probate fees or other estate costs.

Don't settle for less. Get more for your money with segregated funds.

Resetting your Guarantee