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Insurance

GESTION DE PATRIMOINE AHC PRESTIGE INC.
can support you with investment products available on the market, and help you make informed choices among the many products at your disposal.

Our team will provide you with financial tools specifically tailored to meet your risk and return requirements.

Insurance

Segregated Funds

A segregated fund, also known as a separate account or distinct account, is an investment vehicle used by insurance companies to offer investment products, such as investment funds or annuities.

Unlike mutual funds or exchange-traded funds (ETFs), which are separate entities owned by many investors, a segregated fund is a separate account owned and managed by the insurance company.

Benefits

Maturity
Guarantee

Segregated funds often offer a capital guarantee at maturity, which means that the investor receives at least the initial amount invested on the maturity date, regardless of market performance.

Benefits

Possible Protection
Against Creditors

Assets held in a segregated fund may benefit from protection against creditors in the event of bankruptcy or personal financial litigation, offering greater security for investors.

Benefits

Death
Benefits

Segregated funds may offer death benefits, ensuring a minimum payment to a named beneficiary in the event of the investor's death, often in the form of a specified amount or the highest market value achieved by the investment.

Benefits

Avoid the costs associated with probate fees and delays

By designating a beneficiary directly in a segregated fund, assets can be transferred quickly and efficiently upon the investor's death, thereby avoiding the fees and delays associated with the probate process.

Insurance

Annuities

Annuities are financial products offered by insurance companies that provide a stream of regular payments to an individual in exchange for a sum of money, usually paid in the form of premiums or a lump sum.

They are often used as a means of guaranteeing a regular income during retirement or to meet long-term financial needs.

Types of Annuities

Life Annuities

Life annuities provide the investor with regular payments for the duration of his or her life. They offer long-term financial security and can be particularly useful for those looking to guarantee a stable income after retirement.

Types of Annuities

Term-Certain Annuities

Certain annuities guarantee payments for a specified period, often a fixed number of years. Even if the investor dies before the end of the guaranteed period, payments will continue to be made to a designated beneficiary.

Types of Annuities

Variable Annuities

Variable annuities offer payments that can vary according to the performance of the underlying investments, often mutual or segregated funds. They enable investors to participate in the markets while guaranteeing a regular income.

Types of Annuities

Prescribed or Non-Prescribed Annuities

Prescribed annuities are annuities whose payments are governed by specific, pre-established tax rules, often offering tax advantages for investors. By contrast, non-prescribed annuities are more flexible in terms of payments and management.