Distributed exclusively by insurance companies, segregated funds offer guarantees that protect the money invested against possible market downturns.

	Investor Type	Protection of monies invested	Characteristics	Available Funds
Classic Series 75/75	An investor who is accustomed to investing in mutual funds	75% of premiums invested is guaranteed at maturity or at death prior to maturity	Maximum capital growth Minimal management fees	75 segregated funds, including specialized funds
Classic Series 75/75 Prestige	Designed for investors who have significant assets, Classic Series 75/75 Prestige offers preferential pricing that will help them grow their wealth even more.
Series 75/100	An investor who wants complete estate protection in order to leave an inheritance to loved ones	75% of premiums invested is guaranteed at maturity, with 100% at death prior to maturity	Full estate protection in case of death Annual reset of the death benefit garantee Competitive management fees	87 segregated funds
Series 75/100 Prestige	Designed for investors who have significant assets, Series 75/100 Prestige protects investors’ wealth and offers preferential pricing that will help them grow their wealth even more.
Ecoflex Series 100/100	An investor who wants to make the most of market opportunities and protect his/her money from market downturns	100% of premiums invested is guaranteed at maturity or at death prior to maturity	Complete security for retirement savings Minimum guarantee value reset up to 4 times per year (upon request) Higher management fees	46 segregated funds

Minimum standards	Classic Series	Series	Ecoflex Series	FORLIFE Series
To establish a contract	$100	$100	$100	$100	$25,000
Subsequent deposits	$100	$100	$100	$100	$100
Minimum investment per fund	$5	$5	$5	$5	$100
Minimum PAD¹	$25	$25	$25	$25	N/A
Dollar cost averaging (DCA)	$25 per fund	$25 per fund	$25 per fund	$25 per fund	N/A
Surrenders	$100	$100	$100	$100	$100
Transfers between funds	$25	$25	$25	$25	Full market value
Periodic income program (PIP)²	$1,000 per year or $100 per month	$1,000 per year or $100 per month	$1,000 per year or $100 per month	$1,000 per year or $100 per month	Lifetime guaranteed income

Minimum standards

Classic Series

Series

Ecoflex Series

FORLIFE Series

75/75

75/100

100/100

Saving Stage

Income Stage

To establish a contract

$100

$25,000

Subsequent deposits

$100

Minimum investment per fund

$100

Minimum PAD¹

$25

N/A

Dollar cost averaging (DCA)

$25
per fund

N/A

Surrenders

$100

Transfers between funds

$25

Full market value

Periodic income program (PIP)²

$1,000
per year or
$100
per month

Lifetime guaranteed income

Segregated Funds

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