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Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

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It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

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Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Close X

Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre langue et votre secteur.

It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

Choisissez votre langue|Choose your language

Choisissez votre région|Choose your region

ou|or Trouver ma région par code postal|Find your region by postal code

Trouver ma région par code postal|Find your region by postal code

ou|or Choisissez votre région|Select your region in a list

Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Did you know ?

6 advantages to buying an RRSP from an insurance company

SSQ offers you an article to help you make sound decisions before investing. 

RRSPs offered by insurers and banks are very similar. You put your money in an investment
vehicle: Guaranteed interest account or investment funds.

The difference lies in the types of investment funds offered. Banks recommend mutual investment funds, or simply mutual funds, while insurance companies offer segregated funds.

The advantages of segregated funds

How are segregated funds better than mutual funds? Let’s see!

1. Peace of mind, guaranteed!

Segregated funds offered by insurance companies include a capital guarantee. This protection of capital means that your beneficiaries will receive a minimum amount upon your death, regardless of where the market is.

If the financial markets take a major downturn right before your death, the insurer will guarantee a portion of your savings, based on the options you selected.

2. Bankruptcy protection

In the event of bankruptcy or legal action by creditors, the segregated funds for which you designated your spouse or child as a beneficiary may not be seized.

This exemption from seizure is especially attractive to professionals and business owners.

3. Prompt payment

In the event of death, the amount accumulated in the segregated fund (or the guaranteed amount, whichever is higher) is paid directly to the beneficiary, without having to wait for estate settlement.

4. Confidentiality of beneficiary designation

By avoiding probate, where the contents of the will may be known by all, the identity of the beneficiary remains confidential.

5. Variety of excellent investment vehicles

Whether you purchase an RRSP from a bank or an insurer, you’ll have a wide array of investments to choose from:

  • Portfolio Funds
  • Stocks
  • Bonds
  • etc.

At SSQ, funds are entirely managed by some of the most reputable investment fund managers, thereby avoiding any conflict of interest.

These managers are carefully selected to offer a broad range of complementary management styles. Their performance and compliance with our investment policies are also monitored on an ongoing basis.

6. Your RRSP is protected in the event of an insurer’s bankruptcy

Did you know that your RRSP is protected should your insurance company go bankrupt?

This coverage is provided by Assuris.

Your advisor, your guide

Your advisor is the best person to guide you through the world of RRSPs.

The advisor will help you determine your investor profile and choose the best funds for your financial objectives.

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See the discount offer

Note: This blog post is provided for information purposes only. It is not a substitute for professional legal, financial or fiscal advice. For advice specific to your personal situation, always speak with your advisor. SSQ cannot be held responsible for any decision made as a result of reading this blog post.

Source: SSQ Insurance