Segregated Fund Client Profile

Clients for segregated funds have the following profile

  • Risk Averse
    • minimum principal guarantees on death and maturity
  • Below Maximum Age
    • insurers have max issue age (e.g., 80)
    • not available to a minor (can’t enter an enforceable contract)
  • Financially Secure
    • since maturity guarantees in 10+ years, not intended for emergency funds or short term investing
  • Creditor Prone
    • provides creditor protection that’s valuable for entrepreneurs, small business owners, sole proprietors, the self-employed, professionals
  • Estate Preserver ages 55+
    • beneficiary gets the guaranteed death benefit without the costs and delays of probate
  • Poor Health
    • the maturity and guarantees are available without evidence of good health

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