Segregated funds

Whether you’re saving for retirement or building your financial legacy, we can help you grow and protect your wealth. Connect with us to invest in segregated funds.

What are segregated funds?

Segregated funds are a type of investment vehicle that’s also an insurance product. Your money is invested across professionally managed investments while a portion of your principal is kept safe. Only insurance companies like Co-operators can offer segregated funds.

Benefits of segregated funds

Extra investment protection

When you invest in segregated funds, you’ll enjoy a level of financial security that’s unmatched by other investments. That’s because a portion of your principal contribution – your choice of 75% or 100% – is guaranteed at the investment’s maturity date or the date of your death, whichever comes first.*

Professionally managed

At Co-operators, our fund managers are experienced in navigating all market conditions. Using their extensive research capabilities and expertise in selecting investments, they work to optimize your portfolio, so you don’t have to.

Simple payouts

Like a life insurance policy, proceeds from your segregated funds are paid out directly to named beneficiaries, quickly and without hassle.

How segregated funds work

Learn how segregated funds compare to other investment vehicles and whether they’re right for you. Read “What are segregated funds?"

What we offer

At Co-operators, we understand that life and financial needs can change. Our solutions are designed with that in mind. They allow you the flexibility to change guarantee levels up to three times over your lifetime. Our solutions include:

Versatile Portfolios Navigator lets you invest in a variety of segregated funds (including four Responsible Investment Portfolios managed by NEI Investments), based on your risk tolerance and time horizon. And for as little as $50 per month.

You can choose from three guarantee levels, depending on your need for capital protection: 75% on maturity and death; 75% on maturity and 100% on death; or 100% on maturity and death. Death and maturity benefit resets on the 100%-guarantee level and will automatically lock in any investment growth at the new, higher level.

Rate options

Variable Rate Options: Get interest credited daily to ensure that your investment plan keeps pace with current interest rates.
Guaranteed Rate Options: Choose a fixed investment period (up to 5 years), where interest is guaranteed for the specified term and compounded annually.

Aviator Portfolios is a slightly higher-touch investment option, allowing you to diversify your portfolio, plan your retirement, leave a legacy, and protect your capital and your estate.

You can choose from two guarantee levels depending on your need for capital protection: 75% on maturity and death; or 75% on maturity and 100% on death. Death benefit resets on the 100%-guarantee level and will automatically lock in any investment growth at the new higher level.

Given the growth potential of equity markets, the security of capital protection, along with access to unique investment strategies, this comprehensive product is ideal for those with $100,000 or more to invest.

Why invest with Co-operators?

No hidden fees

With our segregated funds, there are no hidden fees. Our management expense ratio (MER) is all-inclusive and covers the cost of managing and operating the fund, including insurance fees.

Stay ahead of inflation

You can take advantage of our Automatic Contribution Increase option, where you can elect to have your pre-authorized debit plan contributions increase by up to 10% on each policy anniversary.

Segregated fund resources

Find regular performance updates and other information about our segregated funds.

Fund information sheets

An at-a-glance look at investment holdings, risk, fees, performance and more.

Go to fund information sheets

Information folders and fund facts

In-depth details about our segregated funds.

Go to information folders and fund facts

Fund performance

Monthly rates of return for our segregated funds.

Go to fund performance

Quarterly portfolio fund update

Detailed report on portfolio fund quarterly performance.

Go to quarterly portfolio fund update

Quarterly Aviator Portfolios update

Detailed report on Aviator quarterly performance.

Go to quarterly Aviator Portfolios update

Unit values

Up-to-date unit values for active and legacy products.

Go to daily unit value updates

Ready to get started?

We’re here to answer your questions and help you invest with confidence. Let’s connect.

Find a financial representative

Popular ways to grow your money

Tax-Free Savings Account (TFSA)

Registered Retirement Savings Plan (RRSP)

Mutual funds

Annuities

*Maturity and death benefit guarantees are not available upon surrender of the segregated fund policy and are proportionally reduced by any withdrawals from or investment transfer out of the segregated fund. Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the policyholder and may increase or decrease in value.

Segregated funds, variable rate options and guaranteed rate options are underwritten and administered by Co-operators Life Insurance Company.

Co-operators Life Insurance Company and Co-operators Financial Investment Services Inc. are committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please visit our privacy policy for more information.

Co-operators^® is a registered trademark of The Co-operators Group Limited.