Segregated Funds

Segregated funds are similar to mutual funds, however what sets them apart is the guarantee they offer of investment protection against possible market downturns. Distributed exclusively by insurance companies, segregated funds are comprised of stocks, bonds or market securities and are managed by experts.

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Characteristics Of Segregated Funds

Allow you to take advantage of rising markets while offering guarantees against possible downturns at maturity and in the case of death.

Managed by experienced portfolio managers and include an asset mix that suits all investor profiles.
Protect your savings from potential creditors depending on your province of residence.
Offer quick settlement in the case of death thanks to the designation of a beneficiary.
Are part of the IAG Savings and Retirement Plan and may be purchased as an RRSP, TFSA, LIRA, RRIF, LIF or a non-registered savings plan.

3 Advantages Of Segregated Funds

1. Principal guaranteed – Depending on the contract, 75% to 100% of your principal investment is guaranteed if you hold your fund for a certain length of time (usually 10 years). If the fund value rises, some segregated funds also let you “reset” the guaranteed amount to this higher value – but this will also reset the length of time that you must hold the fund (usually 10 years from date of reset).

2. Guaranteed death benefit – Depending on the contract, your beneficiaries will receive 75% to 100% of your contributions tax free when you die. This amount is not subject to probate fees if your beneficiaries are named in the contract.

3. Potential creditor protection – This is a key feature for business owners in particular

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Guaranteed Interest Funds

Advantages and characteristics

Offer a fixed and guaranteed interest rate for the term of the investment, offering a 100% guarantee of your capital at maturity.
Available at competitive rates for terms of 1 month, 1 to 5 years and 10 years.
Offer protection against creditors.
Are a part of the IAG Savings and Retirement Plan and may be purchased as a RRSP, TFSA, LIRA, RRIF, LIF or non-registered savings plan.
Deposits guaranteed by Assuris

Mutual Funds

Advantages and characteristics

Fluctuate according to market value and do not offer any guarantee on your investments.
Offer a diversified asset mix.
Are not included in the IAG Savings and Retirement Plan , but may be purchased as: RRSP, TFSA, LIRA, RRIF, LIF, and a non-registered savings plan.

Daily Interest Fund

The Daily Interest Fund+ (DIF+) allows you to make deposits yourself in investments that you previously selected with your advisor. This is thanks to our unique benefit, the Automatic Investment Term (TAI). Interest is earned in your investments on a daily basis (paid monthly). To find out how to make deposits, click here or talk to your financial security advisor. The current interest rate can be viewed here.

High Interest Savings Account

Simple, accessible, risk-free

The high interest savings account is a good option to grow your money with complete peace of mind. Whether you want:

To wait for the right time to invest
Risk-free saving
Liquidity for unforeseen emergencies

Benefits and features

Growth

High yield
No withdrawal fees, no management fees
Interest that accumulates on a daily basis (paid monthly).

Accessibility

No minimum investment
Withdrawals are possible at any time
Offered in all our savings products, regardless of registration type (RRSP, TFSA…).

Security

Risk-free
Possible creditor-protection

Frequently Asked Questions

What is the meaning of insurance?

Insurance is a protection against financial loss arising on the happening of an unexpected event. Insurance companies collect premiums to provide for this protection and losses are paid out of the premiums collected from the insuring public.

Why do I need Insurance?

Insurance is a hedge against the occurrence of unforeseen incidents. Insurance products help you in not only mitigating risks but also helps you by providing a financial cushion against adverse financial burdens suffered.

Why should one cover oneself immediately ?

Accidents and mishaps can occur anytime and anywhere. It is important to identify the risks faced and insure oneself against these at the earliest.

How to Choose the Best Term Plan?

While selecting a term plan, you need to look for the following and ensure that your family has the best financial protection with the term plan: Claim settlement record of a life insurance company indicates the ultimate moment of truth for the customer. Claim settlement record can be assessed through a percent number (Claim Settlement Ratio) released by IRDAI (Insurance Regulatory and Development Authority India) every year.

How much life cover do I need?

The life cover you need depends on your current annual income. We recommend that a life cover equivalent to 10-15 times your annual income is sufficient to provide for a safe future for your family. If budget is a problem, you could go for monthly premium payment option over a yearly commitment. However, it is important to have a sufficient life cover so that your family’s financial security is not compromised.

What is Critical illness benefit ?

If you are ever diagnosed with a critical illness, it can affect you physically, emotionally and financially. The optional benefit of covering 34 Critical Illnesses such as cancer, heart attack and kidney failure for a maximum of 30 years without any change in premium. But here’s the best part – It gives full claim payout on the first diagnosis of any of the covered 34 Critical Illnesses. No Hospital Bills required. This amount can also safeguard your family against the loss of income arising out of the illness.

Segregated Funds