Segregated Fund Guarantee

Capital Preservation for your Clients

SSQ Insurance's guarantee options for SSQ Guaranteed Investment Funds (GIF) protect a certain percentage of your client's invested capital at maturity and upon the death of the annuitant.

Three guarantee options are offered by SSQ Insurance:

  • Basic Guarantee
  • Enhanced Guarantee
  • Optimal Guarantee

Guarantee Options

Thanks to the Basic guarantee option, all investors in SSQ Insurance's segregated funds receive, at no additional cost, a capital protection at maturity and upon death.

For an additional fee, your clients can enhance the Basic guarantee and opt for the Enhanced or Optimal guarantee.

Basic Guarantee
  • No additional fees, to maximize returns
  • Targets younger investors who want a wide selection of investments focused on growth

Guarantee at maturity: 75%

Guarantee upon death: 75%

Resets of guaranteed value at maturity: No

Resets of guaranteed value upon death: No

Additional guarantee fees: None

Segregated funds permitted: All

Enhanced Guarantee
  • Guaranteed value resets to protect capital
  • Targets investors who want to protect their capital in the event of death while maintaining a growth objective

Guarantee at maturity: 75%

Guarantee upon death: 100%

Resets of guaranteed value at maturity: Yes, twice a year, upon request

Resets of guaranteed value upon death: Yes, automatically every three years up to age 80

Additional guarantee fees: Yes

Segregated funds permitted: All

Optimal Guarantee
  • Guaranteed value resets to protect capital
  • Specifically targets investors who seek capital protection and who fear market downturns

Guarantee at maturity: 100%; Contributions made less than 15 years before the maturity date are guaranteed at 75%

Guarantee upon death: 100%

Resets of guaranteed value at maturity: Yes, twice a year, upon request

Resets of guaranteed value upon death: Yes, automatically every three years up to age 80

Additional guarantee fees: Yes

Segregated funds permitted: All except specialty funds

How to Select a Guarantee Option

You can help your clients choose from among three guarantee options based on their investor profile and financial objectives.

Investor's objective Basic Guarantee Enhanced Guarantee Optimal Guarantee
Long-term investment •    
Priority given to returns •    
Investment in specialty funds • •  
More protection in the event of death while focus is on growth-oriented investments   •  
Maximum capital preservation at maturity and upon death     •
Funds sheltered from market fluctuations     •
Growth potential of the amount guaranteed at maturity based on market gains   • •
Growth potential of the guaranteed amount upon death based on market gains   • •
Protection of assets in the event of bankruptcy • • •
Easy transfer to the beneficiary upon death • • •

A single guarantee option applies per contract. It may be changed at any time. For more information, consult the SSQ Guaranteed Investment Fund Guarantees (PDF, 541 kB) brochure.

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