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Dynamic Funds on insurance platforms

Segregated Funds are variable deferred annuity contracts with insurance protection in the event of death. It is the insurance contract that allows for many of the benefits of segregated funds, some of which are:

  • Principal guarantees at maturity and death: Segregated funds offer guarantees at maturity or death on the limit of potential losses – normally 75% to 100% of original deposits, less any withdrawals.
  • Market gains can be locked in and guaranteed (“Resets”): Many segregated funds provide options to “reset” market gains at a specified time – this reset will lock in all gains for a higher capital guarantee.
  • By-pass probate: At death, proceeds of a segregated fund can pass directly to a named beneficiary, and are not subject to creditor’s claims, probate, lawyer’s or executor’s fees.
  • Potential creditor protection: As long as a preferred beneficiary is designated, the potential for creditor protection exists during the policyholder’s lifetime, even if a bankruptcy occurs.
  • Investment options similar to retail mutual funds.

Dynamic Funds has a number of investment options featured on third-party segregated fund platforms.

Pivotal Select™:

Equitable Life Dynamic Asia Pacific Equity Fund Select
Equitable Life Dynamic Global Real Estate Fund Select
Equitable Life Dynamic American Fund Select
Equitable Life Dynamic Equity Income Fund Select
Equitable Life Dynamic Global Discovery Fund Select
Equitable Life Dynamic U.S. Monthly Income Fund Select
Equitable Life Dynamic Value Balanced Fund Select
www.equitable.ca

IAG Savings and Retirement Plan/(RESP) MyEducation+:

American (Dynamic)
Global Dividend (Dynamic)
Global Infrastructure (Dynamic)
ia.ca/funds-performance

Sun GIF Solutions Investment Series & Sun GIF Solutions Estate Series:

Sun Life Dynamic Equity Income
Sun Life Dynamic Strategic Yield
www.sunlifeglobalinvestments.com

Universal Life insurance (UL) is a hybrid insurance product that combines the protection of permanent insurance with unique, tax-advantaged investment opportunities. This means any money paid over and above the annual cost of insurance would see a return based on the return of the associated Dynamic Fund.

Universal Life offers flexible death benefit and accumulation options and can be customized to suit long-term financial goals, and easily modified to meet changing needs. Some of the benefits of this type of policy are:

  • Tax-advantaged growth to maximize capital: Interest growth earned on funds within a UL policy can grow tax-sheltered as long as the policy remains in force and the fund value remains in the policy without exceeding the legislated maximum.
  • By-pass probate and tax-free payout at death: The proceeds from a UL policy can by-pass probate and will be paid, tax-free, directly to the named beneficiary.
  • Creditor protection: UL policies may be protected from the claims of creditors of the policy owner
  • Accessible cash values A UL policy offers the policy owner options for accessing the accumulated cash value tax-free.
  • Wide range of investment options: Universal Life policies allow the insured to see a return based on a wide variety of investment options, including mutual funds.

Dynamic Funds has a number of investment options featured on third-party Universal Life platforms.

Life Dimensions/Wealth Dimensions:

BMO®Insurance offers investment options with performance linked to a wide variety of Dynamic funds.
www.bmoinsurance.com/advisor
® Registered trademark of Bank of Montreal, used under licence.

Canada Life

Dynamic International Equity Fund
Dynamic Power Canadian Growth Fund
www.canadalife.com

Ivari

Dynamic Global Discovery Fund
Dynamic Strategic Yield Fund
Dynamic Value Fund of Canada
www.ivari.ca

Genesis Series IV Plus:

Global Dividend (Dynamic)
https://ia.ca/funds-performance

Manulife Financial

Dynamic Power Canadian Growth Fund
Dynamic Value Balanced Fund
Dynamic Value Fund of Canada
www.manulife.ca

Equitable

Dynamic Equity Income Fund
Dynamic American Fund
www.equitable.ca

Beneva Investment Accounts are similar to mutual funds but with a guarantee similar to those usually associated with segregated funds.

The program offers guaranteed death benefit and accumulation options and can be customized to suit long-term financial goals. Some of the benefits of this type of investment program are:

  • Guaranteed death benefit: 100% of contributions made up to age 75 are available upon death of the account holder.
  • Bypass probate and tax-free payout at death: The proceeds from a Beneva Investment Account can bypass probate and will be paid, tax-free, directly to the named beneficiary.
  • Creditor protection:Investment Accounts may be protected from the claims of creditors of the policy owner.
  • Wide range of investment options: investment program allows the account holder to invest in a wide variety of options, including mutual funds.

Dynamic Funds has a number of investment options available via Beneva Investment Accounts.

Dynamic Funds:

Dynamic American Fund
Dynamic Equity Income Fund
Dynamic Global Discovery Fund
Dynamic Global Infrastructure Fund
Dynamic Small Business Fund
Dynamic Strategic Yield Fund
Dynamic Value Balanced Fund
Dynamic Value Fund of Canada

Dynamic Portfolios:

DynamicEdge Balanced Growth Portfolio
DynamicEdge Conservative Class Portfolio
DynamicEdge Defensive Portfolio
DynamicEdge Equity Portfolio
DynamicEdge Growth Portfolio

www.beneva.ca

Beneva designates La Capitale Civil Service Insurer Inc. as an insurer.