IA Pacific Segregated Fundlist

IAP Pacific Guaranteed Investment Funds

IA Pacific Ecoflex / Ecoflextra
Click on the fund name for a complete fund profile

FUND NAME FEATURES, BENEFITS, and GUARANTEES
Maturity Guarantee
The Maturity Date of the Fund Guarantee is chosen at the time the account is first opened.
The date must be at least (10) years from the time the initial investment is made, and must fall between the investor’s 60th and 71st birthday. If an investor is (62) sixty-two years of age or older at the time of the initial investment then the Maturity Date of the Fund Guarantee shall be set at exactly ten (10) years from that point.

If under age of (72) seventy-two the Guaranteed Minimum Value at Maturity will be the greater of:

a. 100% of the market value on the maturity guarantee date; or

b. 100% of the deposit amount. ( 75% in the case of *specialty funds )

If past age (72) seventy-two the Guaranteed Minimum Value at Maturity will be the greater of:

a. 100% of the market value on the maturity guarantee date; or

b. 75% of the deposit amount.

Death Benefit Guarantee

If investment is made prior to age 80 the death benefit guarantee amount will be the greater of:

a. 100% of the market value on date of death, or

b. 100% of the value for deposits made

c. (75% if invested in the *specialty funds)

If investment is made past age 80 the death benefit guarantee amount will be the greater of:

a. 75% of the market value on date of death, or

b. 75% of the value for deposits made

Optional Account Resets

The Maturity Date of the Fund Guarantee can be reset under the following conditions:

1. the request to reset the maturity guarantee must be submitted in writing

2. the request cannot be made sooner than (10) ten years before the existing maturity date

3. the new maturity date shall be set at a minimum of ten (10) years from time of modification

4. the new Maturity Date of the Fund Guarantee must fall between the investor’s 60th and 71st birthday

FUND NAME



ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE.

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