Investment accounts: a new guarantee option to discover
Submitted by Krishan on September 3, 2025 - 2:07pm
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On September 16, we’re launching a new option to strengthen our investment account offering: the 75/100 Enhanced guarantee.
Two guarantees, more flexibility: your clients can now choose between the 75/100 guarantee and the new 75/100 Enhanced guarantee.
Benefits of the 75/100 Enhanced guarantee - Automatic annual reset of the guarantee upon death
- Extended death benefit guarantee
- Extended contribution age limit
See how this new option can transform your recommendations! |
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| Overview of the two guarantee options
Each option meets different needs, depending on your clients’ profiles and goals.
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Transfer rules between guarantees To simplify transfers between guarantees, keep these key rules in mind:
Guarantee option change - Only one change is permitted throughout the entire duration of the contract
- Only one guarantee is permitted per application
- The maximum application age for the new guarantee must be respected
- No transaction fees
- Exclusion: Equity Index GIAs will remain in the original contract and will not be transferred to the new one
Fee series option - Transfers can only be made within the same fee series option (e.g., AC3 to AC3)
- Transfers between products (segregated funds and investment accounts) are only allowed into the No-load option
How to change the guarantee option - The full amount must be transferred (no partial transfers)
- Use the new IND251 form to change the guarantee option
Update to investment account forms - The guarantee must now be selected before choosing the account name and code
- Refer to the checklist to see the changes made
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Your tools available on September 16 |
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Mobile Office
Your tool for quick and easy transactions
Save time! Submit your investment account transactions online through Mobile Office, available on the Advisor Centre.
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Forms and administrative documents - Advisor Administrative Guide | G0747
- NEW Savings and annuity contract | IND247
- Investment Accounts Guarantee Option Change | IND251
- Investment Account Codes | IND249
- Mobile Office: User Guide | G0790
Marketing ressources - Investment accounts that stand out (for clients) | K3003
- Investment products summary | MRA1146
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| Visit the Beneva Document Centre to access the latest versions of all these documents. |
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| Remuneration schedule An updated version of the remuneration schedule will take effect on September 16.
You can consult it starting September 4 in the Beneva Advisor Centre by clicking on the Savings and Investment tile, then selecting Documentation. |
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| Start the conversation With the new enhanced guarantee, you can now offer your clients solutions that are better tailored to their specific needs. This allows you to personalize your recommendations and strengthen their trust in your advice.
Start the conversation and give your clients the kind of choice that makes a difference. |
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Your Savings and Investments team |
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| Beneva inc., cabinet de services financiers, distributeur autorisé par Beneva inc.
MD Le nom et le logo de Beneva sont des marques de commerce de Groupe Beneva inc. utilisées sous licence.
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