For many of us, planning for retirement also means thinking about the legacy we leave behind – GIF Select EstatePlus can help protect your financial legacy.

By combining the long-term growth potential of investment funds and the protection benefits of a GIF Select segregated fund contract, EstatePlus helps investors establish and protect a financial legacy that can benefit family and loved ones.

Features and benefits of EstatePlus:

100% Death Benefit Guarantee.

With EstatePlus, you receive a 100% Death Benefit Guarantee. This means your beneficiaries are guaranteed to receive 100% of your deposits to the EstatePlus Series – reduced proportionally for withdrawals – even if there are market downturns.

Resets

The Death Benefit Guarantee is reset automatically every three years on the EstatePlus Anniversary Date of your contract. If the market value of EstatePlus is higher at the time of the reset, your Death Benefit Guarantee increases. A final reset takes place on your 80th birthday.

Creditor protection

As an option under GIF Select, EstatePlus has the potential to protect your assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability.

Ability to bypass probate

In the event of death, the proceeds of your contract can privately pass directly to your designated beneficiaries, without the delay and expense of probate.¹

Fund selection

You can choose between a broad selection of investment funds from well-known fund managers, covering a wide variety of asset classes. You also have the ability to switch between funds and fund managers for free.²

Flexibility and Liquidity

You can access your savings at any time. Multiple sales charge options are available: Front-end load (FEL), Low Load (LL), Deferred Sales Charge (DSC).³