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Savings and Investments
La Capital Segregated Funds offer some of the lowest MERs in the industry. You get all the benefits of a segregated fund without the high MERs associated with traditional segregated fund. These no frills segregated funds provide the potential for higher returns and long term growth by keeping their fees low. The death benefit guarantee is included in the management fees below at no additional cost. La Capital Segregated Funds are suitable for investors that want potential creditor protection without the high costs to provide this valuable benefit. They are also ideal for seniors that want the security of a death benefit guarantee and would like the estate planning benefit of bypassing costly Ontario estate administration tax (formarly called probate fees). World Class Portfolio Managers
Available for the following Account Types: Ontario - TFSA, RRSP, Spousal RRSP, RRIF, LIRA, LRIF, LIF, LRSP 1. Management fees charged by the insurer are not guaranteed. 2. Represents management expense ratio of underlying fund. 3. This index was formerly named the Scotia Capital Universe Bond Index, a trademark of the Bank of Nova Scotia. 4. Formerly, Acuity Fixed Income Fund 5. “Standard & Poor’sTM”, “S&PTM”, “S&P 500TM” “Standard & Poor’s 500” and “500” are trademarks of Standard and Poor’s. “TSX” is a trademark of The Toronto Stock Exchange. These marks have been licensed for use by La Capitale Civil Service Insurer Inc. and its affiliates. These investment accounts are not sponsored, endorsed, sold or promoted by Standard & Poor’s or The Toronto Stock Exchange and neither party makes any representation, warranty, or condition regarding the advisabilityof investing in these investment accounts. 6. Pooled fund trust 7. The investment account referred to herein is not sponsored, endorsed, sold or promoted by MSCITM, and MSCITM bears no liability with respect to the account or any index on which the investment account is based. The investment certificate contains a more detailed description of the limited relationship MSCITM has with La Capitale Civil Service Insurer Inc., its affiliates and this account. La Capitale Insurance and Financial Services Inc. is the sole issuer of the individual variable annuity contract. A description of the key features of the individual variable annuity contract is contained in the La Capitale Insurance and Financial Services Inc. variable annuity contract. SUBJECT TO ANY APPLICABLE DEATH GUARANTEE, ANY PART OF THE PREMIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE POLICYHOLDER AND MAY INCREASE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE SEGREGATED FUND. La Capitale is a trademark of La Capitale Insurance and Financial Services Inc. La Capitale logo are trademarks of La Capitale Insurance and Financial Services Inc. and are used under license. This information is provided to you from the La Capitale website, brochures, marketing material and Agent's Guide Fund Facts and Annuity Contract documents. While every effort is taken to ensure that all the information is accurate and up-to-date, in case of discrepancies between the content on the La Capitale website, brochures, marketing material and Agent's Guide Fund Facts and Annuity Contract Documents and the content published on this website, the original information on the La Capitale Insurance and Financial Services Inc. website, brochures, marketing material and Agent's Guide Fund Facts and Annuity Contract Documents shall prevail. |
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