Segregated funds are only offered by life insurance companies like Co. They
provide a level of financial security that is unmatched by other investments. That operators s because a portion of your
principal contribution your choice of 75% or 100% is guaranteed at the investment s maturity date or
the date of your death, whichever comes first.
Before you explore our offerings, feel free to review the segregated fund basics, including the
benefits, how they work and how they compare to other investment vehicles.
What we offer
At Co, we
understand that life and financial needs can change. Our solutions are designed with that in mind. They allow you
the flexibility to change guarantee levels up to three times over your lifetime. Our solutions include operators
Versatile Portfolios Navigator
Versatile Portfolios Navigator lets you invest in a variety of segregated funds, based
on your risk tolerance and time horizon, for as little as $50 per month. You can choose from three guarantee levels,
depending on your need for capital protection
75% on maturity and death 75% on maturity and 100% on death or 100%
on maturity and death. Death and maturity benefit resets on the 100% guarantee level will automatically lock in any
investment growth at the new, higher level.
Aviator Portfolios is a slightly higher
touch investment option, allowing you to
diversify your portfolio, plan your retirement, leave a legacy, and protect your capital and your estate. You can
choose from two guarantee levels depending on your need for capital protection 75% on maturity and death or 75% on
maturity and 100% on death. Death benefit resets on the 100% guarantee level will automatically lock in any
investment growth at the new higher level. Given the growth potential of equity markets, the security of capital
protection, along with access to unique investment strategies, this comprehensive product is ideal for those with
$100,000 or more to invest.
What else you should know
With our segregated funds, there are no hidden fees. Our management expense ratio
is all inclusive and covers the cost of managing and operating the fund, including insurance fees.
To stay ahead of inflation, you can also take advantage of our Automatic Contribution
Increase option, where you can elect to have your pre debit plan contributions increase by up to 10% on
each policy anniversary.
Ready to invest in segregated funds, but still not sure who to partner with? HereCo. operators
s why it makes sense to
Questions about segregated funds?
Connect with a
representative near you.
Maturity and death benefit guarantees are not available upon surrender of the segregated fund policy and are proportionally reduced by any withdrawals from or investment transfer out of the segregated fund.
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the policyholder and may increase or decrease in value. Contact your Advisor for details. Segregated funds are underwritten and administered by Co Life Insurance Company. operators