Segregated funds are long term investments that offer capital guarantees.  Funds are invested by pooling money from thousands of investment managers in a variety of individual securities.  They typically offer initial investment guarantees given that the funds stay invested for a minimum threshold number of years.  These guarantees range from 75% to 100% depending on the plan design.  Some plans also allow investors to reset their investment at specific intervals, (three or five years), locking in a new guaranteed amount.

I recommend Canadian Term Insurance. I was offered a solution which allowed me to find coverage for both the immediate and long term with a mix of both 10 and 20 year term insurance.

Tom Hopper Account Executive, London, ON

Canadian Term Insurance helped to decide upon the correct amount of coverage to protect our family. Jeff recommended a program which provides 20 years of term coverage for my wife at preferred rates, and 10 years of term insurance for me at a higher death benefit.

Rob Poissant Teacher, Barrie, ON

Jeff Comiskey assisted my wife and I in identifying a need for insurance, and presented us with a variety of choices.  We chose universal life insurance because of the permanent protection it offered and rates that remain the same for our entire lives.

Chet Wydrzynski Lawyer, Toronto, ON