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At Transamerica, we understand the importance of ensuring you have access to products that meet your specific needs. That means providing choice, opportunity and security. Our various investment products are designed to carry you through your investment life - from the first dollar you set aside for retirement to receiving a regular retirement income - and all the goals in between.

Through Transamerica, you can select an individual fund or a complete managed solution. Work with your advisor to choose the investment products that are right for you. Regardless of what you choose, Transamerica's investment products ensure that you will have guarantees that matter.

Segregated funds

Segregated Funds

Simply put, segregated funds are investment funds you select within an insurance contract. They let you diversify your investments, while the segregated fund contract provides the benefit of insurance guarantees.

Segregated fund investment benefits
  • Choose from a wide variety of professionally managed asset types, such as stocks, bonds and commodities.
  • Diversify your portfolio geographically.
Segregated fund contract benefits
  • Protection of your deposits when your contract matures or when you die, whichever happens first.*
  • Potential protection against creditors in the event of bankruptcy or seizure, if you have named an irrevocable beneficiary, or named a direct family member as your beneficiary. Some limitations apply, so independent legal advice is recommended to determine the availability of creditor protection in your circumstances and jurisdiction.
  • Ability to bypass probate, so funds are paid directly to your named beneficiary.

When you want protection with your market-based investments, look to Transamerica Guaranteed Investment Funds.

*Less proportionate reduction for withdrawals and fees.​ 

In a world of increasingly complex investment products, Transamerica gets back to basics with the Transamerica Guaranteed Investment Funds contract.

Transamerica Guaranteed Investment Funds offer you a great combination of growth and protection through extensive investment options and insurance guarantees. You can also benefit from estate planning advantages and potential creditor protection.

For more details please see Information Folders.

Inforce products

"Inforce product" refers to Transamerica's segregated fund contracts that were issued in the past, beginning as far back as the 1970s and up until 2009.

Currently, all of these products are either capped or closed. If you own one of these products rest assured that Transamerica will continue to honour your policy and the terms of your contract will remain unchanged. Click here to access the “Transamerica Life Canada 2014 Investment Products Additional Deposits Policy”.

Capped policies

If the policy you own is capped, that means that you may still continue to make contributions to your existing policy.

Closed policies

If your policy is now closed, you may continue to hold your policy but you may no longer make contributions.

View the rates of return.

 

GIA

Guaranteed Lifetime Withdrawal Benefit (GLWB)

Five for Life™

Effective January 18, 2012, Transamerica Life Canada will no longer offer its Guaranteed Lifetime Withdrawal Benefit (GLWB) product Five for Life. We will continue to service existing contracts and we will also accept new deposits of up to $25,000 into existing contracts.  

If you have any questions, contact our Customer Service at 1-800-846-5970.

 

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Annuities

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

A Single Premium Immediate Annuity (SPIA) makes guaranteed regular payments to you for life or for a specific period of time in return for a lump sum of money.

There are many variations of a SPIA. It can be issued for a single life, joint and survivor life or for a specific term.

 
GIA

Guaranteed Interest Accounts (GIA)

As an insurance company, Transamerica Life Canada offers guaranteed interest products with features that banks and trust companies can't match.

Guaranteed Interest Accounts provide a valuable service for many investors, especially those seeking capital security.

What is a Guaranteed Interest Account?

A Guaranteed Interest Account (GIA) is issued by an insurance company, but is similar to a Guaranteed Interest Certificate (GIC) offered by banks. A GIA pays a predetermined interest rate on the entire value of the original investment for a set period of time.

 
 

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