Benefits of Segregated Fund Policies

Put the benefits of segregated fund policies to work for you.

Lifetime income benefit option

Take control of your retirement and income by guaranteeing your income for life. With the lifetime income benefit option, your income won’t decrease regardless of how the segregated funds perform unless excess withdrawals are taken. You get protection against the risk of outliving your money, market volatility and inflation.

You can choose to receive guaranteed income for life on select segregated fund policies—find out more on the lifetime income benefit website.

Death benefit and maturity guarantees

Segregated fund policies protect part or all of your capital investment. We offer two types of capital guarantees—death and maturity guarantees.

Estate bypass

When you designate a beneficiary other than your estate, the value of your segregated fund policy flows directly to him or her, generally bypassing the estate and potential probate fees.

Potential creditor protection

Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It’s important to note that potential creditor protection depends on court decisions, which can be subject to change and can vary for each province. This protection cannot be guaranteed.