Jin S. Xue Insurance & Investment

Servicing Canadians Since 1991

Segregated Funds

Grow your wealth by investing with a safety net.

Segregated fund policies give you the freedom to invest while offering insurance protection to preserve your savings. With our choice of guarantees, you can expand your wealth and secure it at the same time.

Guaranteed savings protection

Choose one of our guarantees for maturity and death benefits, 75% or 100% of the amount invested, to help ensure your savings remain protected. This means that when your investment reaches its maturity date or when you pass away, if your investment is worth less than its guaranteed value, the insurance protection will top you up. Naturally, it will be proportionally reduced by any withdrawals.

Diverse portfolio

Invest in one of the widest selections of segregated funds in Canada, managed by award-winning investment managers. An advisor can help you make your choice based on your comfort with risk and financial goals.

Potential creditor protection

Your investments could be protected even if you face unexpected lawsuits or bankruptcy. With such protection, after your passing, the death benefit will go to your beneficiaries, not creditors.


Your designated beneficiaries (if you decide to have them) are a private matter and won’t be disclosed.

More ways to invest with segregated funds

Estate protection

For clients aged 80-90 looking to pass on their money while saving on potential estate fees and taxes.

Constellation Managed Portfolios

For clients interested in a managed program that customizes an investment strategy to their unique financial goals.

Canada Life Index ETF Portfolios

Simple, cost-effective, all-in-one investment solutions, diversified across asset classes and global regions, with the added protection of segregated fund policies.