Market-linked term investments

Guarantee Advantage^® is a market-linked term investment that provides you with a guaranteed minimum return at maturity. It also has the potential to provide you with a higher rate that falls within a pre-determined range. That means you can't lose any money and you have the potential to earn more than you would with a fixed-interest term investment.

Advantages

Guaranteed minimum return means you won’t lose any money
Potentially higher returns than a fixed-term investment
Your principal is 100% guaranteed in the event of death and quickly paid to the named beneficiary
No management fees
Eligible for registered savings plans, including TFSAs

What is a market-linked term investment?

A market-linked term investment is an investment with a return that is linked to the performance of the securities of companies whose brand names, products and services are widely known and used.

Your savings are always protected!

In the event of death

Do you want to protect the assets you’ll leave to your loved ones? Do you want to make sure your loved ones have quick access to your funds so they don’t have to worry and wait for your estate to be settled?

In the event of death, with Guarantee Advantage:

Your principal is 100% guaranteed.
Your investments are not considered part of your estate because you can designate a named beneficiary.
Your guaranteed principal could be paid to your beneficiary in as little as 5 business days, as long as all appropriate documentation (such as the death certificate) is received. You’ll avoid estate settlement fees and delays, which can take up to a year.

In the event of bankruptcy

With a preferred beneficiary designation, Guarantee Advantage may provide you with essential creditor protection.

Ideal if you are:

A business owner
Self-employed
A professional (e.g., doctor, lawyer)

Why name a beneficiary?

Depending on who you name as your beneficiary, the money you invest in your contract may be creditor-proof. In the event of bankruptcy or a lawsuit, the beneficiary designation could prevent your creditors from seizing your assets. If this were to happen, you can get peace of mind knowing you and your loved ones are protected. You should contact a legal advisor to review your specific situation (lawyer or notary).