An annuity is an investment that provides an income stream for a stated period of time in exchange for a lump sum payment (single premium). The income ceases at the end of the stated period.

Segregated Funds
Segregated fund is a pool of money, invested in stocks, bonds or Treasury Bills held solely for the benefit of the unit holders of the fund and which cannot normally be touched by creditors. The main reason for it to be creditor proof is the fact that this is an individual variable annuity contract; thus it is governed by the law of the Insurance Act.

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