About Beneva 

• Canada’s largest mutual insurance company, serving 3.5M members and clients
• $26B in assets under management and 5,000 employees
• Strong focus on supporting independent advisors to help Canadians protect and grow their wealth

Beneva’s Three Core Investment Solutions

1. Investment Accounts (Registered Only)

Available for TFSA, RRSP/RRIF, LIRA/LIF

• MERs comparable to Class A mutual funds
• Access to 42 award‑winning third‑party funds
• 75% maturity guarantee / 100% death benefit
• Ideal for mass‑market registered clients focused on long‑term wealth building
• Minimums: $40 PAC or $400 lump sum

2. NEW – Enhanced Investment Accounts (Launched September 16, 2025)

An upgraded version of Investment Accounts with enhanced guarantees:

• 75% maturity guarantee / 100% death benefit up to age 80, then 75% thereafter
• Automatic annual death benefit resets up to age 80
• Competitive guarantee fees (0.25% – 0.60%)
• Same MERs as standard Investment Accounts
• Designed to deliver strong client value and higher advisor compensation
• Minimums: $40 PAC or $400 lump sum

3. Traditional Segregated Funds (Recommended for Non‑Registered)

• Attracted by institutional pension-style fund managers
• Access to alternative asset classes (real estate, infrastructure, smart beta)
• Flexible ownership, annuitant, and beneficiary options
• Guarantees available: 75/75, 75/100, and 100/100
• Suitable for corporate, trust, and high‑net‑worth clients

Clients with $500K+ in assets may qualify for Private Wealth Management

Tools & Technology

•             Mobile Office (Web‑Based)

•             Fully digital applications for Investment Accounts, GIAs, and Seg Funds

•             Integrated remote signatures

•             Automatic T2033 submission

•             Faster processing and reduced errors

More Ways to Earn Extra Income

Available until March 13, 2026

•             New investment transactions could earn you up to $20,555

•             Opportunity to earn up to $6,000 in Air Canada gift cards by ranking in the top 3 in your region

•             Use the Mobile Office tool on your 1st and 10th transaction and receive $55

Recognition Program (January 1 – December 31)

•             New bonus tiers introduced:

o             $500,000 – $999,999: 0.08%

o             $1M: 0.16%

o             $2M: 0.20%

o             $3M: 0.24%

o             $4M: 0.32%

o             $5M: 0.40%

BIG ENHANCEMENTS COMING TO BENEVA

We’re excited to share what’s ahead:

•             More investment fund options launching this spring

•             Point of Sale decision capability for life insurance sales

•             FHSA (First Home Savings Account) launching this fall

•             Enhanced advisor bonuses tied to sales credits and AUM growth

Questions Raised:

A. Can Investment Account funds be used in an IPP?

Answer: No

B. Do we offer a Group RRSP?

Answer: No