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Nick Cardone

7150 Hawthorne Dr. Unit 104
Windsor, ON, N8T 3N3

Phone: (519) 974-6688
Toll Free: +1 866-973-4846
Fax: (519) 974-7192

Segregated Funds

Segregated funds are mutual funds offered by life insurance companies. The fund assets are separated or "segregated" from the insurance company's other assets to protect the investor in case of the company's insolvency. When you purchase a segregated fund, you are actually buying an individual variable insurance contract. Segregated funds offer investors several advantages over regular mutual funds:

Guaranteed Principal

Most funds guarantee 100% of the principal invested at the end of 10years.

Reset Feature

The guaranteed principal can be reset or "bumped up" during the 10 year period.


Creditor Protection

Fund assets are generally protected from creditors.

No Probate Fees

Fund assets pass directly to beneficiaries, avoiding costly estate and probate fees.


Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Seguin Financial Group Ltd. Seguin Financial Group is a trade name used for both mutual fund & Insurance business activities. Banking products and services are offered through referral.