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WHY BUY THIS
PRODUCT?
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When you invest in a segregated fund contract you combine the growth potential
of investment funds with certain guarantees and benefits of a contract with a life
insurance company.
Those benefits include:
• Guarantees that can help protect your investments
• Guaranteed death benefits
• Potential creditor protection
• The right to designate a beneficiary
• Tax and estate planning advantages
• An option that lets you reset your guarantee to a higher amount (for some
contracts, see section 4)
• Guaranteed income benefits (for GMWB contracts, see section 4)
In addition to these special contractual features, segregated fund contracts offer:
• Diversification through a selection of growth, income and balanced funds
• Flexibility to switch between funds offered within the same contract without fees
(for more information, see page 8)
• Liquidity that allows you to promptly redeem all or part of your investment
(for more information, see page 8)
