Equitable Guaranteed Investment Funds™

Canadians crave simplicity — and protection.

As an advisor, you need solutions that meet client expectations and streamline your workflow. Our segregated fund lineup is designed to support a range of investment strategies while making your job easier with:

•    Investment protection options that align with your commitment to client-focused solutions,
•    Growth opportunities to support long-term client goals,
•    Resets and death benefit guarantees that add value and reassurance,
•    Preferred pricing to enhance competitiveness, and
•    A streamlined application and transaction process that saves you time and effort.

 

Empower clients with confidence — and yourself with efficiency.

Why choose segregated funds?

Diverse fund options

Tailor investment solutions to meet clients’ unique goals.
•    Review fund overview and performance
•    Discover our fund manager partnerships 

Built-in guarantees

Choose the level of protection that fits a client’s needs:
•    Investment Class (75/75)

Whether clients are planning for retirement or saving for a major goal, the Investment Class option could be the right fit. This guarantee option offers strong growth potential by keeping fees low, along with a built-in death benefit guarantee that adds an extra layer of protection for clients’ beneficiaries.

•    Estate Class (75/100)
For clients focused on leaving a legacy, the Estate Class option could be the right fit. It offers a 100% death benefit guarantee, helping to ensure the full investment is protected and passed efficiently to beneficiaries. This level of protection comes with a monthly guarantee fee that is deducted from the contract value. 

•    Protection Class (100/100)
The Protection Class option offers our highest level of guarantees, including a 100% death benefit guarantee and a maturity benefit guarantee of 100% or 75%, depending on the deposit. It’s an ideal choice for investors who have a lump-sum amount – such as a pension transfer or inheritance – who want to protect their investment over the long term. 

Flexible sales charges
•    Front-End Load (FEL)
•    Chargeback Option three years (CB3)
•    Chargeback Option five years (CB5)

Product features
•    Dollar-Cost Averaging (DCA)
•    Asset rebalancing
•    Improved preferred pricing
•    Reduced minimums
•    Online banking deposits
•    Investment loans
•    Annual resets
•    Elimination of needless fees

Registration options
•    Non-registered Savings Plan
•    Tax-Free Savings Plan
•    Registered Retirement Savings Plan
•    First Home Savings Account
•    Retirement Income Fund
•    Locked-In Retirement Account, Restricted Locked-in Savings Plan, Locked-In Retirement Savings Plan
•    Life Income Fund, Prescribed Retirement Income Fund, Locked-In Retirement Income Fund, Restricted Life Income Fund

Competitive advantages
•    Global investment access
A world of asset classes.
•    Annual resets
Lock in market gains with resets available to age 80 for Estate and Protection classes.
•    100% death benefit guarantee
Every deposit to Estate and Protection Classes receives full protection—up to age 85.
•    100% maturity guarantee
Deposits made to Protection Class in the first year are fully protected on the 15th policy anniversary.
•    Competitive pricing
•    Low MERs and guarantee fees compared to industry peers. Preferred Pricing and Householding
Up to 10 eligible family members living at the same address can create a household account to group the value of their individual contracts together to qualify for lower fees. 
•    Equitable Client Access®
Clients can view policy details, market values, and update banking/contact info through our secure online portal.
 

Ready to empower Clients?

With Equitable, you can offer confidence, choice, and control—all in one powerful investment solution.
 

 

If you would like to order paper copies, click here for the Individual Wealth Supply Order Form.
 

If you would like to order paper copies, click here for the Individual Wealth Supply Order Form.
 

If you would like to order paper copies, click here for the Individual Wealth Supply Order Form.