Maturity & Death Guarantees

Guarantee amounts are offered in all segregated funds whereby no less than a certain percentage of the initial investment in a contract (usually 75% or higher) will be paid out at death or contract maturity. In either case, the contract holder or their beneficiary will receive the greater of the guarantee or the investment’s current market value.  Unlike mutual funds there is no back end charge on the death of the annuitant if deferred sales charge was used for the investment.