Below are the highlights of the key features of segregated funds:

• Maturity & Death benefit guarantees: The principal amount of the investment is guaranteed after 1 0 years. Some fund’s guaranteed. 75 % of the principal, others guarantee 100 %.
  The death benefit guarantee is available regardless of the length of time the plan is held. It provides a guarantee that upon death, your beneficiary will receive either the market value or up to 100 per cent of your original capital investment, whichever is higher.
• Reset your investment to lock-in growth: The reset option allows you to lock-in the gains on your investment and guarantees that you will receive at least that amount upon maturity. The number of reset elections that can be made varies from plan to plan. That ensures you will get back not just the principal but also any profits in 10 years.
• RRSP and RRIF eligible: Segregated funds are also RRSP and RRIF eligible. Segregated funds are available in a broad range of fund types and investment options similar to mutual funds.
   
• Probate fees: In most provinces insurance proceeds do not count as assets for probate purposes. Thus probate fees may be avoided when a beneficiary is named
   
• Creditor protection: Proceeds from life insurance contracts, which include segregated funds, may provide creditor protection under certain circumstances. Declare bankruptcy and creditors can’t touch segregated fund investments

Investors may now benefit from the growth potential of segregated funds while they can rest assured their original capital is guaranteed.

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