Segregated Funds That Makes Sense


  • Maturity guarantees
  • Death benefit guarantees.
  • The ability to bypass probate.
  • Potential creditor protection for non-registered accounts.

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What is a segregated fund?

Segregated funds, like mutual funds, are market-based investments. A large pool of money belonging to many people is invested in stocks, bonds or other securities with the goal of increasing the value of the entire pool.  However, because segregated fund contracts are insurance contracts, they have special benefits that mutual funds do not.

  • Segregated fund contracts guarantee 75% to 100% of your premiums (less withdrawals) when the contract matures, or on your death. Some segregated fund contracts also offer income guarantees.
  • Money invested in segregated funds contracts may also be protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy.
  • Segregated fund contracts purchased with non-registered money let you name beneficiaries, so the death benefit bypasses your estate and goes directly to them. You can also control how they get the benefit: as a lump sum or in the form of a payout annuity.

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Segregated Funds vs. Mutual Funds

  • Pooling of assets of many individual Investors
  • Generally redeemable when you request
  • Investment Returns based on the investments in the fund
  • Both invest in fairly similar types of Securities
  • Flow through Income to Investors

What’s so special about Segregated Funds & why do many sophisticated Investors prefer them over Mutual Funds?
Segregated Funds have the following unique Characteristics:

  • Maturity Guarantee
  • Death Benefit Guarantee
  • Reset Option (Market Gains can be locked in & Guaranteed)
  • Creditor Protection
  • Exemption or exclusion from probate when naming a beneficiary
  • Privacy
  • Lifetime Income guarantees & Income Credits/Bonuses
  • Taxation Benefits


Talk to us today and see how you can get started by investing in segregated funds today !

Citadel Financial Wealth Group -Life Insurance Solutions Across Canada -Life-Health-Group-Mortgage Insurance
Citadel Financial Wealth Group -Life Insurance Solutions Across Canada -Life-Health-Group-Mortgage Insurance

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“Instant Approval, Conditional Approval, Pre-Approval” – Client may subject to underwriting approval. Not all clients will be approved for a policy. Receipt of clients application does not represent an approval. Restrictions may apply,
Any rates shown are based on a set of default product options we have selected from our life insurance partners to assist in providing you with a quote and should be used as an indicative tool for comparative purposes. Any rates shown may be subject to change. This information and calculation is general advice only and does not take into account your needs, objectives and personal circumstances. A licensed insurance agent can help you further.
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