Looking for a way to grow your money while still keeping it protected?
Segregated funds from SMM Insurance combine the growth potential of mutual funds with the security of insurance guarantees, helping you invest confidently and protect your family’s financial future.

These plans are ideal for investors who want market-linked growth, estate-planning benefits, and protection from market downturns — all in one flexible product.

What Are Segregated Funds?

Segregated funds (or “seg funds”) are investment funds managed by insurance companies.
They work similarly to mutual funds but include unique insurance features, such as:

• Capital protection guarantees (typically 75%–100% of your original investment)

• Death-benefit protection, ensuring your beneficiaries receive your guaranteed amount

• Creditor protection for business owners and self-employed professionals

• Bypassing probate, so your loved ones receive their inheritance faster

Unlike traditional investments, segregated funds give you both growth potential and peace of mind.

📘 Learn more about how insurance benefits work with investments in our Life Insurance.

Why Choose Segregated Funds for Your Financial Plan?

Whether you’re saving for retirement, building wealth, or creating a legacy, segregated funds provide:

• Professional investment management with diversified portfolios

• Guaranteed protection against market losses at maturity or death

• Flexible withdrawal and reinvestment options

• Estate-planning advantages that save your family time and taxes

If you’re self-employed or own a business, creditor protection can be a valuable safeguard. Learn how our Business Insurance solutions can complement your segregated fund strategy.

Segregated Funds vs. Mutual Funds

Feature Segregated Funds Mutual Funds

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Guarantees 75%–100% of invested capital protected No guarantees

Creditor Protection Available under certain conditions Not protected

Estate Transfer Skips probate; direct to beneficiaries Goes through estate

Fees Slightly higher (for insurance features) Lower (no guarantees)

For investors who want the security of insurance with the performance of market investments, segregated funds offer the perfect balance.

Segregated Funds – Secure Investments with Built-In Protection

Flexible Investment Options with SMM Insurance

At SMM Insurance, we partner with leading Canadian insurers to provide a variety of segregated fund portfolios, including:

• Conservative income funds for stable returns

• Balanced growth portfolios for moderate risk

• Aggressive growth options for long-term potential

You can also combine your investment with Retirement and Tax-Advantaged Plans, such as:

• RRSPs and TFSAs (internal link)

• Non-registered investment accounts

• Estate-planning strategies for high-net-worth individuals

Get Started with Segregated Funds Today

Take control of your financial future with SMM Insurance’s segregated fund solutions.
We’ll help you create a plan that offers growth, protection, and peace of mind — all in one.

📞 Contact us today or request a free consultation to discover how segregated funds can work for you.