Annuities are created when investors exchange their capital for a guaranteed, regular income. This income can be for either a specified period of time or for a lifetime, depending on which options and features are chosen. Factors that influence the rate of return of the income include: interest rates; frequency of payments; age, sex and health of the annuitant; term of the annuity; term of the guarantee; and whether the payments are immediate or deferred. Some annuity contracts can qualify as a "prescribed annuity", which can have significant tax benefits.
Mutual funds are offered through Manulife Securities Investment Services Inc.
Insurance products and services are offered through Tipper Financial Services Ltd.
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