Advisor Centre
January 21, 2019
Individual Insurance, Savings and Retirement Individual Insurance, Savings and Retirement

Segregated Funds

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

70 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
75/75 75/100 100/100 Saving Stage Income Stage
To establish a contract $100 $100 $100 $100 $25,000
Subsequent deposits $100 $100 $100 $100 $100
Minimum investment per fund $25 $25 $25 $25 $25
Minimum PAC1 $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
1 PAC: pre-authorized cheques
2Under the PIP, the policyholder can receive monthly or annual income payments from amounts invested in the contract. The PIP is only available for RRIF, LIF, TFSA and non-registered contracts.
  • Allow clients to take advantage of rising markets while offering guarantees against possible downturns at maturity and in the event of death
  • Managed by experienced portfolio managers and include an asset mix that suits all investor profiles
  • Protect savings from potential creditors depending on the province of residence
  • Offer quick settlement in the event of death thanks to the designation of a beneficiary
View Our Segregated Funds

Our segregated funds also offer Portfolio Funds designed to simplify your work such as:


If your clients would like to invest in mutual funds or securities, they must do so outside of the IAG Savings and Retirement Plan.


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