Dynamic Funds on insurance platforms
- Segregated Funds
- Universal life (UL) insurance
- Beneva
Segregated Funds are variable deferred annuity contracts with insurance protection in the event of death. It is the insurance contract that allows for many of the benefits of segregated funds, some of which are:
- Principal guarantees at maturity and death: Segregated funds offer guarantees at maturity or death on the limit of potential losses – normally 75% to 100% of original deposits, less any withdrawals.
- Market gains can be locked in and guaranteed (“Resets”): Many segregated funds provide options to “reset” market gains at a specified time – this reset will lock in all gains for a higher capital guarantee.
- By-pass probate: At death, proceeds of a segregated fund can pass directly to a named beneficiary, and are not subject to creditor’s claims, probate, lawyer’s or executor’s fees.
- Potential creditor protection: As long as a preferred beneficiary is designated, the potential for creditor protection exists during the policyholder’s lifetime, even if a bankruptcy occurs.
- Investment options similar to retail mutual funds.
Dynamic Funds has a number of investment options featured on third-party segregated fund platforms.
Pivotal Select™:
Equitable Life Dynamic Asia Pacific Equity Fund Select
Equitable Life Dynamic Global Real Estate Fund Select
Equitable Life Dynamic American Fund Select
Equitable Life Dynamic Equity Income Fund Select
Equitable Life Dynamic Global Discovery Fund Select
Equitable Life Dynamic U.S. Monthly Income Fund Select
Equitable Life Dynamic Value Balanced Fund Select
www.equitable.ca
IAG Savings and Retirement Plan/(RESP) MyEducation+:
American (Dynamic)
Global Dividend (Dynamic)
Global Infrastructure (Dynamic)
ia.ca/funds-performance
Sun GIF Solutions Investment Series & Sun GIF Solutions Estate Series:
Sun Life Dynamic Equity Income
Sun Life Dynamic Strategic Yield
www.sunlifeglobalinvestments.com
