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Segregated Funds

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Individual Variable Insurance Contracts (IVIC’s)

IVIC’s are deferred annuity contracts between the policy owner and the insurance company.  The policy owner makes deposits and the insurance company then invests the money in segregated funds.  IVIC’s can be both registered and non-registered and can provide many additional benefits such as:

  • Guaranteed maturity values from 75-100% of your principal after 10 years
  • Possible options to reset the maturity guarantees for all funds held within the IVIC to lock in any gains until death or a new 10 year maturity date from date of reset
  • Creditor protection provided that a family class beneficiary has been named
  • Exclusion from probate fees provided that a family class beneficiary has been named
  • Provide a broad range of investment options similar to mutual funds
  • Ability to flow through capital losses to unit holders
  • Prorated dividend distributions based on the length of time that the funds have been held
  • Minimal designated beneficiary death benefit payment waiting periods
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Full Disclosure
The services of providing mutual funds and labour sponsored funds are offered through "3i Financial Investment Services Inc."

The services of providing life insurance and other non-investment plans are offered through "3i Financial Group Inc." Both are separate legal entities.

3i Financial Investment Services Inc. is a member of the Mutual Fund Dealers Association (MFDA) licensed to distribute mutual funds.
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