Qualifying Recognised Overseas Pension Scheme: Standard Life is a leading long-term savings and investment company headquartered in the UK, so expats living in Canada will feel comfortable with a name they already know. And since our roots are in the UK, we recognize the complexities of QROPS and have a solid understanding of Her Majesty's Revenue & Customs' (HMRC) requirements.


Conventional Annuity: Conventional annuities offer guaranteed, steady source of income to lasting throughout your retirement or for a specific period. Available as; single life annuity, joint life annuity, term certain annuity, temporary annuity (non-registered policies only), lump sum (non-registered policies only), Enriched Annuity amd Child Inheritance Annuity.
Performance Annuity: A leader in the annuities market, Standard Life offers all the great features of Performance Annuity, the first market-based annuity available to the independent distribution network in Canada.

Segregated Funds

Individual Segregated Fund: When you invest in Standard Life's Ideal Segregated Funds family, you become a "contractholder". As the owner of the contract, you are entitled to benefits only individual segregated funds can offer, such as built-in guarantees. This means that individual segregated funds can minimize your exposure to market downturns.

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Insurance Glossary

Locked-in Retirement Income Fund (LRIF): The LRIF is similar to a LIF with some additional flexibility in terms of what you can receive in income in any given year. The maximum payment in any year depends on the investment earnings in the previous year. The LRIF does not require annuitization at age 80. LRIFs are only available in some provinces.

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