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, 736 kB) brochure.

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