Financial Security
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Request a No Obligation ReviewInsured Investments are a highly flexible retirement option that combines the guarantee benefits of Life Annuities along with the growth opportunity of investments. Guaranteed income stream and capital protection are among the benefits of Insured Investments.
Flexibility, Growth and Protection
There is no match for flexibility when it comes to Insured Investments. Accounts can be set up with many important, familiar features: life insurance benefits of Term Life Insurance, income guarantees of Guaranteed Annuities and the growth potential of Investments. Insured Investments are similar to Mutual Fund Investments but are insured to protect the downside risk due to the marketplace and other variations.
Assuris protection and segregation. Insurance companies are required to carry insurance where up to $75,000 of the investment is guaranteed, and funds are segregated from other insurance company assets.
Principle Guarantee of investment. Notably, Mutual funds are generally not guaranteed and fluctate based on market conditions, meaning you could loose a large portion of your investment if the market declines at an inappropriate time. In contrast, Insured Investments protect the ownwer from market fluctuations in the event of death or completion of term (normally ten years). Normally, the death benefit guarantee of principle is 100%, and the principle guarantee 75% or 100%.
Guaranteed retirement income stream. Similar to Life Annuities, Insured Investments can be set up to guarantee the income stream over a period of time, normally for the lifetime of the owner and spouse (if applicable).
Creditor protection. If a proper beneficiary is designated, the Supreme Court has ruled that the investment is protected from creditors. Since Canadian retirement accounts may not be protected from creditors, this is an important consideration.
Investigate Insured Investments
Investigate how Insured Investments could benefit your overall Retirement Plan. Click the Insurance Button now to speak with one of our advisors who can review your options with you.
