Investment products

Whether saving for your child’s education, planning a vacation, building a nest-egg or managing your finances during retirement, we can help you create an investment portfolio that fits your needs.

Segregated fund policies

Segregated fund are investment products offered by insurance companies that combine features of mutual funds with insurance benefits. They are often used by business owners and individuals due to their protective features. By pooling money from thousands of investors, professional investment managers invest in a variety of individual securities. Since they are only available through an insurance policy, segregated fund policies have several features and benefits that make them different from mutual funds.

Key features of segregated funds:

  • Insurance protection:  They offer death and maturity guarantees (usually 75% to 100% of your original investment), even if the market value falls.
  • Creditor protection:  In some cases, your investment may be protected from creditors, which is useful for business owners or professionals.
  • Estate benefits:  Assets can bypass probate and go directly to a named beneficiary, which speeds up estate settlement.
  • Investment choices:  Like mutual funds, they offer a range of portfolios (stocks, bonds, etc.) managed by professionals.

Note: Any amount allocated to a segregated fund policy is invested at the risk of the policyholder and may increase or decrease in value.

For more information about segregated fund policies, click here.

Mutual Funds

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of assets, such as stocks, bonds, or other securities. They are managed by professional fund managers who make investment decisions on behalf of the investors.

Key features of mutual funds

  • Diversification: Spreads risk across many assets.
  • Professional management: A fund manager selects and manages the investments.
  • Liquidity: Shares can usually be bought or sold on any business day.
  • Accessibility: You can start investing with relatively small amounts of money.
  • Fees: Most mutual funds charge management fees,

There are many types of mutual funds, including equity funds, bond funds, balanced funds, and index funds.

Note: Any amount allocated to a mutual fund is invested at the risk of the policyholder and may increase or decrease in value.

Mortgages

Financing a home may be the biggest financial decision you make. As your financial security advisors, we can help you make the right decision by helping tailor a mortgage to your financial security plan. We work with mortgage planning specialists, who have the knowledge and experience to help select a mortgage that works for you.

Other investment products

We also offer a range of specialized investment products, including:

  • Specialized investment solutions
  • Registered education savings plans (RESPs)
  • Registered retirement savings plans (RRSPs)
  • Registered retirement income funds (RRIFs)
  • Locked in Retirement Accounts (LIRA’s)
  • Life Income Funds (LIF’s)
  • Tax Free Savings Accounts (TFSA’s)
  • First Home Savings Accounts (FHSA's)
  • Non-Registered Savings Accounts
  • Guaranteed interest options and payout annuities

 

Insurance products

Along with helping you build and manage your investments, we can help you choose insurance products to minimize financial risk to you and your family.

Individual life insurance

Having the right life insurance protection can make a huge difference in your life, and the lives of those close to you. A financial security plan that includes life insurance can ensure you leave your estate financially secure, avoid debts and provide an adequate income for your family.

Disability insurance

Accidents and illnesses are unfortunate facts of life. Disability insurance coverage is designed to help protect your most valuable asset – your ability to earn an income, which can be jeopardized if tragedy strikes.

Critical illness insurance

A critical illness or condition, such as heart attack, cancer or stroke, can turn your life upside down. It can affect you physically, emotionally and financially. Insurance can protect both you and those close to you from the financial effects of a critical illness.

Health and dental insurance

Provincial governments continue to cut back their levels of healthcare coverage, leaving you to pay for expenses such as prescription drugs, eye exams and paramedical services. We can help you build a plan that supplements your provincial government plan.

Travel insurance

Emergency medical travel insurance is a type of travel insurance that covers unexpected medical expenses you incur while traveling outside your home province or country. It helps pay for things like hospital stays, doctor visits, ambulance services, and sometimes emergency evacuation.

Key features:

  • Medical coverage: Pays for emergency treatment if you get sick or injured while traveling.
  • Hospital and doctor fees: Covers services that can be very expensive abroad.
  • Emergency transport: Includes ambulance, airlift, or even repatriation to your home country.
  • 24/7 assistance: Many plans offer a hotline for help finding care or navigating medical systems abroad.

What it doesn’t usually cover:

  • Routine care (check-ups, non-emergency treatments)
  • Pre-existing conditions, unless specifically included
  • Risky activities, unless covered under a specific rider

This type of insurance is especially important when traveling to countries where healthcare is expensive (like the U.S.) or not easily accessible.