Our Services - Segregated Funds


Segregated Funds

A segregated fund is a type of investment vehicle used by Canadian insurance companies to manage individual, variable annuity insurance products.


This type of fund offers investment capital appreciation as well as life insurance benefits.

Expense Ratio

Due to their more complex structure, investors can expect to pay a slightly higher total expense ratio on segregated funds.

Return Ratio

Returns from the funds are more modest as these fund offerings typically do not have aggressive fund objectives.

Path to Wealth Building

Segregated Funds can create a path for you to build wealth in the financial markets all while delivering on the promise of insurance protection by guaranteeing monies invested at maturity and/or death – whichever comes first. Seg funds uniquely feature resets which can help protect saving even in a volatile market because you are able to lock in market gains.

Step 1 2018


Helps you to diversify your investment portfolio. Mutual funds, stocks, bonds are all good wealth building tools. Adding insurance to the mix is a great decision. There is also a school of thought that insurance is fastest way to build wealth when compared with other routes.

Step 2 2018

Income Provision

Insurance can provide retirement income, income throughout periods of disability and income in general. An annuity, for example, pays out a fixed stream of income now or in in the future. This is a great income replacement tool.

Step 3 2018

Estate Planning

When it comes on to estate planning, having insurance can very well be a cost-effective and tax-efficient way to satisfy tax obligations at death. Insurance can provide immediate tax-free liquidity to take care of estate obligations including taxes, estate settlement costs and probate.

How Do They Work?

Most segregated funds offer a guaranteed payout of at least 75% to 100% of the premiums paid, which is an advantage over standard mutual funds where the investor has the risk of losing all of their investment.

Set Maturity Date

The funds offer capital appreciation through investment up to a specified maturity date.


Segregated funds begin payouts to investors following the specified maturity date.

Options Available

Investors can choose from various options for a payout schedule offered by the product.

Keybase Difference

A Keybase Financial Advisor is able to help you structure your investment portfolio to include segregated funds.
Talk to one today.