Segregated Funds: Protected Investment Growth

Invest with confidence knowing your savings are protected. Award-winning segregated funds combine growth potential with insurance guarantees, creditor protection, and privacy benefits.

You’re In The Right Place.

  • Grow your wealth with award-winning segregated funds while enjoying guaranteed protection that preserves your hard-earned savings
  • Invest confidently knowing your principal is protected by insurance guarantees while still capturing market growth opportunities
  • Build your portfolio with diverse investment options that shield your assets from creditors and provide privacy for beneficiaries
Segregated Funds

Protected Investment Growth with Insurance Benefits

Imagine…

Worried About Losing Your Investments in Market Downturns?

Market volatility can be stressful when your savings are at risk. Complex investment choices and fear of losses make it hard to grow wealth confidently and securely.

Wait…

Invest confidently: Award-winning funds, guaranteed protection, growth.

Segregated funds provide the growth potential of mutual funds with insurance protection that guarantees your principal investment while offering creditor protection and privacy benefits.

Enjoy professional management of award-winning funds, guaranteed protection against market losses, and the peace of mind that comes with insurance-backed investment security for your financial future.

What Are The Benefits?

Ready To decide?

Protected Growth

Guaranteed Protection

Protect your principal with 75% or 100% guarantee options that ensure your investment is secure at maturity or death.

Award-Winning Funds

Invest in Canada Life’s #1 ranked segregated funds that have earned the most FundGrade A awards in 2023 and 2024.

Creditor Protection

Shield your investments from potential creditors and lawsuits while preserving wealth for your beneficiaries.

Privacy Benefits

Keep your beneficiary designations private and ensure assets pass directly to loved ones without probate delays.

Professional Management

Access expert portfolio management from award-winning investment professionals who actively manage your funds.

Diverse Portfolio

Choose from one of Canada’s widest selections of segregated funds across different risk levels and investment styles.

Get Your Quote

Market Volatility Keeping You Awake?

Worried about losing your hard-earned savings in market downturns? Concerned about protecting your investments from creditors? Let’s secure your financial future.

  • Stressed about market crashes wiping out years of careful saving and investment progress?
  • Worried about creditors or lawsuits threatening your investment portfolio and financial security?
  • Confused by complex investment options and unsure which funds offer the best protection and growth?
  • Concerned about privacy and ensuring your beneficiaries receive assets without probate complications?
  • Overwhelmed by investment management and lacking time to actively monitor your portfolio performance?
  • Anxious about balancing growth potential with the need to protect your principal investment safely?

Your Protected Investment Solution

We combine award-winning fund management with insurance protection, giving you growth potential while guaranteeing your principal and providing additional benefits.

  • Choose from 75% or 100% principal guarantees that protect your investment at maturity or death regardless of market performance.
  • Access award-winning segregated funds ranked #1 in Canada for FundGrade A awards with professional management.
  • Benefit from potential creditor protection that shields your investments from lawsuits and financial claims against you.
  • Enjoy privacy benefits with direct beneficiary transfers that bypass probate and keep your affairs confidential.
  • Get expert portfolio management and diversification across Canada’s widest selection of segregated fund options.
  • Receive ongoing support and regular reviews to ensure your protected investments continue meeting your financial goals.

Secure your financial future with protected investments that guarantee your principal while capturing market growth opportunities

You can:

Risking all your savings in unprotected investments without any downside guarantees or insurance

Choosing basic mutual funds that offer no creditor protection or privacy benefits for your family

Trying to time the market yourself without professional management or guaranteed protection strategies

Keeping all investments in low-growth options that don’t keep pace with inflation over time

Ignoring estate planning benefits and leaving your investments vulnerable to probate delays and costs

Or You Can…

Invest in award-winning segregated funds with guaranteed protection and additional insurance benefits

Get Your Quote

Completing our secure online form takes just minutes – it’s simple, hassle-free, and might even bring a smile to your face!

Journeys Through Financial Security

From young professionals taking their first steps toward financial independence to families building their futures, business owners protecting their legacies, newcomers establishing roots, and retirees preserving what they’ve built—each Canadian story deserves tailored protection that evolves with every chapter.

  • Established Family

    Sarah & David

    Dual-income suburban professionals with two young children balancing mortgage payments with a desire for financial security.

  • Young Professional

    David Chen

    Detail-oriented financial analyst with limited time who researches thoroughly before making decisions about his future.

  • Retiree

    Susan Mitchell

    Very much risk-aversed, former HR manager transitioning to part-time work while focusing on stable retirement income strategies.

  • High-net-worth

    Alexander Mitchell

    A seasoned CEO of a Canadian private equity firm focused on legacy protection who works closely with expert advisors on wealth preservation.

  • Small Business Owner

    David McClarty

    A professional services firm owner with 15-30 employees focused on business continuity and employee benefits planning.

  • New Canadian

    Priya Sharmay

    A recent Punjabi Indian immigrant from working as a junior accountant while raising a toddler and learning Canadian financial systems.

  • Health-conscious

    Olivia Matthews

    Nutritionist and wellness advocate who researches thoroughly and seeks transparency in health-related financial products.

  • Young Professional

    Michael Rivera

    Time-pressed IT project manager with two children who prefers delegating financial decisions and values simplified options.

  • Established Family

    Priya and Raj

    Urban power couple with advanced degrees and three children focusing on education funding and early retirement planning.

  • Pre-Retiree

    Robert Clark

    Semi-retired financial consultant who actively manages his wealth while mentoring others and seeking tax-efficient options.

  • Health-conscious

    Priya Patel

    Self-employed fitness trainer and wellness blogger concerned Worry about affording premiums without employer support.

  • Small Business Owner

    Maria Torres

    Retail business owner with 5-10 employees who values community connections and struggles with financial terminology.

  • Established Family

    Carlos & Maria

    Blue-collar small-town couple with a college-bound teen seeking affordable, practical financial solutions without complexity.

  • High-net-worth

    Sophia Lin

    Art collector and philanthropist who balances personal investments with charitable giving and seeks value-aligned options.

  • Small Business Owner

    James Patel

    Fast-paced tech startup founder with analytical approach who seeks expert opinions and data-driven policies to protect equity and attract talent.

  • Health-conscious

    David Clarke

    Mid-sized financial services firm financial advisor who practices what he preaches by investing in comprehensive health and life insurance.

  • Pre-Retirees

    Mary and John

    Retired teacher and nurse in their 70s with concerns about unexpected healthcare costs who want guaranteed income stability without the stress.

  • Young Professional

    Mila Kumar

    Tech marketing manager balancing career ambitions with family planning who values comprehensive health and life coverage.

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Segregated Funds frequently asked questions

Q: How do segregated funds protect my investment principal?

Segregated funds offer maturity and death benefit guarantees of 75% or 100% of your deposits. If markets decline, insurance protection tops up your investment to the guaranteed amount.

Q: What’s the difference between segregated funds and mutual funds?

Unlike mutual funds, segregated funds include insurance benefits like principal guarantees, creditor protection, and privacy features while offering similar investment growth potential.

Q: How does creditor protection work with segregated funds?

As insurance contracts, segregated funds may be protected from creditors and legal claims, helping preserve your wealth for beneficiaries rather than creditors.

Q: Can I access my money before the maturity date?

Yes, you can make withdrawals, though this may reduce your guarantee proportionally. We’ll help you understand the impact on your protection before making changes.

Q: What happens to my segregated funds when I die?

Your beneficiaries receive the greater of your account value or guaranteed amount directly, bypassing probate for faster, private wealth transfer.

Still have more questions? Contact Us! or check out all FAQ’s….

  • Our segregated funds give us growth potential with the peace of mind of guaranteed protection.

    The Martineau family chose segregated funds after the 2008 market crash taught them the value of protection. Now they invest confidently knowing their principal is guaranteed while still participating in market growth.
    Pierre & Marie Martineau
    Quebec

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