Riscario

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