Segregated Funds Protection

Guaranteed Wealth & Estate Protection

Market Growth with Downside Guarantees and Wealth Preservation.

Segregated funds combine the long-term growth potential of professional investment management with the contractual security and guarantees only Canadian life insurance companies can provide.

Unlike conventional mutual funds, segregated fund contracts protect your invested capital with 75% to 100% maturity and death benefit guarantees. They also provide statutory creditor protection for business owners and allow your wealth to bypass costly probate fees, transferring directly and privately to your loved ones.

Principal Guarantees

Contracts guarantee 75% to 100% of your invested capital at maturity or death, ensuring market crashes cannot wipe out your savings.

Statutory Creditor Protection

Under Canadian insurance law, personal investments may be shielded from commercial liabilities and bankruptcy claims when qualifying beneficiaries are named.

Probate Bypass & Direct Transfer

Proceeds flow directly and confidentially to your designated heirs within days, avoiding provincial probate fees, legal delays, and public court records.

Guarantee Reset Features

Lock in market gains as your portfolio value appreciates, ratcheting up your guaranteed death benefit and maturity floor to new high-water marks.

“Segregated funds offer the perfect intersection of market growth and peace of mind. For business owners and families planning retirement, they deliver downside safety, creditor shelter, and seamless probate bypass.”

- Ritu Verma, Licensed Financial & Insurance Advisor · NestSure Insurance Services

Guarantee Classes

Three Tailored Fund Structures for Every Investment Horizon

Whether you prioritize balanced capital growth, total principal protection, or dependable retirement income, we design the right segregated portfolio.

75/100 Guarantee Series

Balanced Growth & Estate Shield

01 POPULAR

Delivers 75% maturity protection combined with a 100% death benefit guarantee. Provides higher equity exposure and lower management fees while ensuring your estate passes to heirs completely intact.

100% Death Benefit Protection 75% Maturity Capital Floor Lower Management Fees (MER) Direct Probate-Free Transfer

100/100 Full Guarantee Series

Complete Capital Preservation

02 MAXIMUM SECURITY

Comprehensive 100% guarantee on both maturity and death benefits. Engineered for conservative savers, seniors, and business owners nearing retirement who cannot afford market downside risk.

100% Principal Maturity Guarantee 100% Death Benefit Guarantee Statutory Creditor Shield Market Crash Immunity

Guaranteed Lifetime Income (GMWB)

Predictable Retirement Cash Flow

03 RETIREMENT INCOME

Transforms your accumulated savings into guaranteed predictable income for life. Even if market downturns or longevity deplete the fund balance to zero, your monthly retirement income continues uninterrupted.

Guaranteed Monthly Income for Life Protection Against Outliving Capital Market Reset Step-Up Bonuses Spousal Joint Continuance

Our Process

How We Structure Your Segregated Investment Portfolio

A diligent, fiduciary approach to aligning growth potential, tax efficiency, and estate defense.

STEP 01

Risk & Goal Profiling

A detailed assessment of your investment timeline, commercial creditor exposure, and family wealth preservation goals.

STEP 02

Fund & Carrier Selection

We screen top institutional asset managers across Canada to select equity, dividend, and balanced funds matched to your target.

STEP 03

Beneficiary & Account Setup

Seamless setup inside TFSA, RRSP, RRIF, or Non-Registered accounts with preferred beneficiaries designated for immediate probate exemption.

STEP 04

Annual Review & Reset

Ongoing annual checkups to rebalance portfolios, monitor market resets, and verify your guarantees keep pace with your growth.

Premier Canadian Segregated Fund Issuers

We partner with Canada's top financial institutions to deliver institutional money management with statutory protection.

Canada Life Sun Life Manulife Empire Life iA Financial Beneva Equitable Life Desjardins

Guaranteed Wealth Strategy

Let's Protect Your Capital and Build a Confident Family Legacy.

Whether you are an entrepreneur looking for creditor defense or an investor planning a worry-free retirement, we structure guaranteed portfolios tailored to your needs.

Independent screening across Canada's top segregated fund issuers
Customized creditor protection & probate bypass structuring
Transparent fee explanation with zero sales pressure

Need personalized guidance? Contact Ritu today! Call: +1 (368) 997-2511

• QUESTIONS & ANSWERS

Segregated Funds FAQ

How do segregated funds differ from mutual funds in Canada?

While both invest in professional portfolios of stocks, bonds, and market securities, segregated funds are individual life insurance contracts issued by Canadian insurance companies. This contractual structure gives segregated funds unique statutory protections that mutual funds do not have, including 75% to 100% principal guarantees at maturity and death, potential creditor protection, and the ability to bypass probate directly to named beneficiaries.

How does creditor protection work for business owners and self-employed professionals?

Under Canadian provincial insurance legislation, if you designate an irrevocable beneficiary or a family member within the preferred class (such as a spouse, child, parent, or grandchild), the cash value of your segregated fund contract is generally exempt from seizure by creditors or bankruptcy proceedings, provided the contract was established in good faith prior to insolvency. This makes segregated funds an invaluable corporate risk shield for entrepreneurs, contractors, doctors, and business owners.

How do segregated funds bypass probate fees and ensure estate confidentiality?

When you name a direct beneficiary on a segregated fund, the death benefit is paid directly to them by the insurer upon death. Because proceeds do not enter your estate, they completely bypass the provincial court probate process, saving up to 1.5% in probate administration taxes and thousands in legal executor fees. Payouts are made quickly (often within weeks) and remain 100% private and confidential, keeping your family financial matters out of public court records.

What is the difference between a 75% and 100% guarantee series?

A 75/100 series guarantees 75% of your deposit at maturity (typically 10 to 15 years) and 100% upon death. Because the insurer takes on less maturity risk, management fees (MERs) are lower, allowing higher net growth potential. A 100/100 series guarantees 100% of your initial capital at both maturity and death, providing maximum security for risk-averse investors and retirees who want absolute principal protection regardless of economic crises.

Can segregated funds be held in registered accounts like TFSA, RRSP, or RRIF?

Yes. Segregated funds are fully eligible across all Canadian registered and non-registered account structures, including TFSAs (Tax-Free Savings Accounts), RRSPs (Registered Retirement Savings Plans), RRIFs (Registered Retirement Income Funds), and Corporate Non-Registered investment accounts. You enjoy all the regular tax sheltering or deduction advantages of the account type while adding the principal guarantees, creditor defense, and probate bypass of the insurance contract.

A secure retirement starts with
guaranteed foundations.

Tell Ritu your financial milestones and capital preservation goals. She will explain the right options with clarity and care.

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