Creditor protection
Shield assets when the contract is structured correctly.
Segregated Funds
Market growth with insurance-grade protection.
Segregated funds combine the growth potential of professionally managed portfolios with the legal protections of an insurance contract — attractive for business owners and estate-focused investors.
A different structure for the same growth.
On the surface, segregated funds look similar to mutual funds — professionally managed portfolios across asset classes. Underneath, they're insurance contracts, and that structure unlocks benefits mutual funds simply can't offer.
Because assets sit inside an insurance contract, they can be shielded from creditors when properly structured — especially valuable for incorporated professionals and business owners. Named beneficiaries also allow assets to bypass probate and transfer privately, quickly, and with reduced settlement costs.
We use segregated funds selectively — where the structure earns its cost — as part of a broader, tax-aware investment plan.
What's inside
The details that matter.
Probate bypass
Named beneficiaries receive proceeds directly.
Managed portfolios
Access to disciplined, diversified strategies.
Optional guarantees
Maturity and death benefit guarantees on original deposits.
Private transfer
Fast, confidential settlement outside the estate.
Corporate use
A structured investment home for retained earnings.
Talk it through
See how this fits your plan.
Book a private strategy call and we'll walk through how this service works inside a plan built for you.