Guaranteed return of 75–100% of principal at maturity and or death.
Assets may be protected from creditors.
Can be designated to bypass probate, passing directly to beneficiaries.
Investments can participate in market growth like mutual funds.
Offers peace of mind for long-term savings.
Management expense ratios (MERs) are generally higher than mutual funds.
Early withdrawals may reduce guarantees.
Investment returns are not guaranteed and can fluctuate.
Investment products with insurance guarantees combining growth and protection.
Investors seeking capital protection, estate planning, or creditor protection.
Typically 75–100% of principal at death or maturity, depending on the contract.
No, investment returns fluctuate with market performance; only principal is guaranteed.
No, investment returns fluctuate with market performance; only principal is guaranteed.
Management fees are higher than mutual funds, including insurance and administrative costs.
Early withdrawals may reduce guarantees and incur fees.
Yes, segregated funds may be protected from creditors under certain conditions.
Yes, including equities, bonds, and balanced portfolios within the fund.
They provide insurance guarantees, estate benefits, and creditor protection not offered by standard mutual funds.
