Segregated investment funds ("seg" 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 several advantages over regular mutual funds:

1. Guaranteed Principle - Most funds guarantee
    100%of the principle invested at the end of ten     years.

2. Reset Feature - The guaranteed principle can be     reset or "bumped up" during the ten year period.

3. No Probate Fees - Fund assets pass directly to     beneficiaries, avoid costly estate and probate fees.

4. Creditor Protection - Fund assets are generally     protected from creditors.

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investing with Segregated Funds