We, at J.W. McCloskey, sell Segregated Funds only provided by the Insurance Industry. These segregated funds include RRSP and non-registered savings products and they include guarantees on your principle investment and future dollar gains. The guarantees are either 75% or 100%, depending on which funds you chose to invest in. This also includes a full 100% death benefit guarantee of your principle plus your gains at the time of death.
We also offer resets on your investment values twice per contract year. This allows us to capture your investment gain (as time goes on) until you withdraw your money or begin to take an income from it. Creditor protection is also provided, in most situations but not all.