Segregated Funds are suitable for investors who want a guarantee that their investments will hold some of their value or need potential protection of their assets from creditors. They combine the potential for returns and a diverse choice, along with the guarantee and protection of an insurance product. Segregated Funds offer estate planning benefits & principal deposit guarantees after a specified number of years. Segregated funds are best suited for small business owners, professionals subject to personal liability losses, and people interested in estate planning that like the deposit guarantees.