Segregated Funds
A Trusted Solution for Protected Growth and Estate Planning
At Exp Investment & Insurance, we offer Segregated Funds—a unique investment solution that combines market-based growth with insurance-backed protection. Whether you're planning for retirement, preserving your wealth, or transferring assets to the next generation, segregated funds can help you reach your goals with confidence.
What Are Segregated Funds?
Segregated funds are professionally managed investment products offered exclusively through life insurance companies. They are similar to mutual funds but include guarantees that can help reduce risk and protect your capital in specific situations.
Key components include:
- Investment Portfolio: Managed by top fund managers and diversified across asset classes.
- Insurance Contract: Offers principal guarantees and other protections under a life insurance policy.
Key Benefits of Segregated Funds
| Feature | Description |
| Maturity Guarantee | Protects 75% or 100% of your original investment after a set term (e.g., 10 years). |
| Death Benefit Guarantee | Ensures your beneficiary receives 75% or 100% of your initial investment or market value, whichever is higher. |
| Creditor Protection | In many cases, assets are protected from creditors—a key benefit for business owners and professionals. |
| Bypass Probate | Funds pass directly to named beneficiaries, helping you avoid delays and legal fees. |
| Reset Options | Some contracts allow you to lock in investment gains by resetting your guarantee amount periodically. |
Why Choose Segregated Funds?
Segregated funds are ideal for:
- Risk-conscious investors who want market exposure with capital protection.
- Estate planners seeking efficient, private, and guaranteed wealth transfer.
- Self-employed professionals and entrepreneurs looking for creditor protection.
- Individuals approaching retirement who prefer stability over high risk.
Segregated Funds vs. Mutual Funds
| Criteria | Segregated Funds | Mutual Funds |
| Insurance Guarantees | ✔ Yes (75–100% on maturity/death) | ❌ No |
| Creditor Protection | ✔ In some cases | ❌ No |
| Probate Bypass | ✔ Yes, with named beneficiaries | ❌ Subject to estate process |
| Fee Structure | Higher (includes insurance component) | Lower |
| Regulation | Governed by Insurance Laws | Governed by Securities Regulations |
Type of Segregated Investment
| Type | Subcategories |
| Asset Class | Equity, Fixed Income, Balanced, Money Market |
| Guarantee Level | 75/75, 75/100, 100/100 |
| Investment Style | Active, Index, Tactical Allocation |
| Planning Purpose | Retirement, Estate, Business Use |
| Risk Level | Low, Medium, High |
How It Works
- Choose Your Segregated Fund: Select from a wide range of funds aligned to your risk tolerance and goals.
- Determine Your Guarantees: Decide between 75% or 100% protection at maturity and death.
- Name Your Beneficiaries: Ensure a direct, tax-efficient transfer of assets.
Review Reset Options: Take advantage of market gains by locking in higher guaranteed values (where available).
