Segregated Funds

Investors Group Series of Great-West Life Segregated Funds

Investors Group, in conjunction with The Great-West Life Assurance Company, offers individuals the opportunity to invest in Segregated Funds. Similar to traditional mutual funds, Segregated Funds are especially attractive to business owners or professionals seeking creditor protection.

How Segregated Funds work

Segregated Funds are an insurance product, combining a mutual fund-like investment with the protection of an insurance policy. As with mutual funds, an investor's money is pooled with the contributions of other investors to purchase a portfolio of securities. The value of the units purchased is based on the value of the underlying securities and will change in response to market conditions.

Are Segregated Funds right for you?

Deciding if Segregated Funds are right for you will depend on your objectives, the length of time you plan to invest and your risk tolerance. Entrepreneurs, business owners and people whose work exposes them to professional or personal liability may wish to take advantage of this investment opportunity. It's up to you and your financial advisor to decide whether Segregated Funds provide the best option in your situation.

IG/GWL Segregated Funds offer these features and benefits:

Potential creditor protection

Segregated Fund investments may be protected from creditors - provided the funds are invested for at least one year, the investor is not already insolvent at the time of purchase, there is no fraudulent intent at the time the purchase is made in the Segregated Fund and a "family-class" beneficiary is named. Creditor protection is not certain in any circumstance. Consult your legal counsel for further information.

Estate and probate fees

On death of the annuitant proceeds from Segregated Funds are not subject to certain estate or probate procedures.

Basic guarantees

Provides a guarantee on 75 per cent of all deposits made to the policy (less a proportionate reduction for withdrawals) on death and maturity.

Basic guarantees with Enhanced Guarantee Rider (EGR)

By adding the EGR, ten years from the date of the client's first deposit year (which starts when the EGR has been added), the market value for that deposit year is guaranteed to be 100 per cent of deposits. Each deposit year within the policy will have a similar ten year, 100 per cent guarantee. The death benefit guarantee starts at 75 per cent for each deposit year and increases by 5 per cent each year until it reaches 100 per cent. (All guarantees are less a proportionate reduction for withdrawals.)

Choice of funds

Segregated Funds are available in four investment options to match a variety of investment styles—from conservative to aggressive—while minimizing risk to principal.

IG/GWL Alto Portfolio Segregated Funds :

IG/GWL Allegro Portfolio Segregated Funds :

IG/GWL Individual Segregated Funds :

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This is not a solicitation to purchase specific securities. Prospective investors should review the Segregated Fund Information Folder, Summary Fact Statements booklet and most recent audited and unaudited financial statements. A description of the key features of Great-West's Flexible Accumulation Annuity (FAA) and Flexible Income Fund (FIF) Investors Group Series is contained in the information folder, available from your Investors Group Consultant.

Subject to any applicable death benefit guarantee or maturity value guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

An investment in a Flexible Accumulation Annuity (FAA) and a Flexible Income Fund (FIF) may only be made on a registered basis. As such, some terms of the contract may have to be modified.

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