Individual Investments

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Segregated Funds

Segregated funds pool money from thousands of investors which professional fund managers invest in a variety of securities. Segregated fund policies are only available through insurance companies and take the form of individual, variable life insurance contracts offering certain guarantees to the policyholder such as reimbursement of capital upon death. As required by law, these funds are fully segregated from the company’s general operating funds. Advantages for some investors include

Segregated fund policies protect part or all of your capital investment. Canada Life offers two types of capital guarantees—death and maturity guarantees.

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Laws may protect a segregated fund policy in the event of bankruptcy or other action by creditors. It’s important to note that potential creditor protection depends on court decisions, which can be subject to change and can vary for each province. This protection cannot be guaranteed.

*Any amount allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value.

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Mutual Funds

Mutual funds, including our exclusive Quadrus Group of Funds, are offered through our mutual fund dealer, Quadrus Investment Services Ltd.

Mutual funds allow individuals to pool their savings in a portfolio of investments managed by professional money managers. Because of the large amount of money in the pool, mutual funds can diversify a portfolio more widely than an individual may be able to when investing on their own.

Registered retirement savings plan (RRSP)
Registered education savings plan (RESP)
Registered retirement income fund (RRIF)
Tax-free savings account (TFSA)
Registered disability savings plan (RDSP)

Mutual funds offer a number of features and benefits, including:

Mutual fund units may generally be redeemed at any time. The redemption value will depend on the unit value on the day of redemption and may be lower or higher than the purchase price.

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Mutual funds are one of the most cost-effective ways to own a diversified, professionally managed portfolio. Mutual funds allow you to invest in several different companies at a fraction of the cost of buying individual units of each of the companies in similar proportions to the mutual fund.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

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To book an appointment call us at 519-371-7066