If you have more money than you need in your lifetime, then segregated funds may be a great solution to pass on more wealth to your estate.

Segregated funds, investment products offered exclusively by insurance companies, have gained popularity — particularly among retirees and individuals prioritizing estate planning. Similar to mutual funds, segregated funds combine investment potential with unique insurance features, notably a guaranteed death benefit, providing investors both growth opportunities and financial security.

A primary advantage of segregated funds is the guaranteed death benefit, often covering up to 100% of the initial investment. This guarantee ensures that an investor’s original capital remains protected, regardless of market fluctuations. For retirees who have surplus

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