Beneva

Products & Services

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  Term Life Insurance

  Life changes over time, and your insurance should support those changes. Beneva's Term Life Insurance provides affordable financial protection for a selected period, helping you safeguard your family's future through every stage of life.

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  Registered Investment Plans

  Registered investment solutions, including RRSP, TFSA, FHSA, RRIF, LIRA, and LIF, designed to support long-term financial goals.

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  Whole Life Insurance

  Build lasting financial security with permanent life insurance that combines lifelong protection with guaranteed cash value growth. Beneva's Whole Life Insurance can become an important part of your family's long-term financial strategy.

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  Universal Life Insurance

  Designed for individuals seeking flexibility, Beneva's Universal Life Insurance combines permanent insurance protection with investment opportunities that can support your evolving financial objectives.

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  Critical Illness Insurance

  A serious illness can affect more than your health. Beneva's Critical Illness Insurance provides financial support through a lump-sum benefit upon diagnosis of a covered condition, allowing you to focus on recovery.

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  Disability Insurance

  Your ability to earn an income is one of your most valuable assets. Beneva's Disability Insurance helps provide financial support if an illness or injury prevents you from working, helping protect your lifestyle and financial commitments.

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  Segregated Funds

  Beneva's Segregated Funds are designed for individuals who want to pursue long-term investment growth while benefiting from insurance features that traditional mutual funds typically do not provide. These solutions combine professionally managed investments with valuable protections such as maturity and death benefit guarantees, helping you plan for the future with greater confidence. Whether you're saving for retirement, building wealth, or planning your estate, Segregated Funds can become an important part of a diversified financial strategy.

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  Guaranteed Interest Accounts (Traditional GIA)

  Stable growth with guaranteed interest. For clients who value predictability, Beneva's Guaranteed Interest Accounts provide a secure way to earn a guaranteed rate of interest over a selected investment term. These solutions are designed for investors seeking stability while preserving their capital. A Guaranteed Interest Account can complement a diversified portfolio by balancing higher-risk investments with dependable returns

• Equity Index Guaranteed Interest Account

  Market-linked growth with principal protection. Beneva's Equity Index Guaranteed Interest Account allows investors to benefit from potential market-linked returns while protecting their original investment at maturity, subject to contract terms. It offers a balanced approach for individuals looking to participate in market performance without assuming full market risk.

• Annuities

  Create a dependable source of retirement income. Beneva's Annuity solutions are designed to convert accumulated savings into a predictable stream of retirement income. Whether you're planning for retirement or seeking financial stability during retirement years, annuities can help support your long-term income strategy.

• High-Interest Savings Account

  Keep your savings accessible while earning competitive interest. Whether you're building an emergency fund, saving for a future purchase, or simply looking for a secure place to grow your money, Beneva's High-Interest Savings Account offers a flexible solution that combines liquidity with competitive interest earnings. Designed for individuals who value both accessibility and financial discipline, this account allows your savings to remain available when you need them while continuing to earn interest. It can also complement a broader financial strategy by serving as a place to hold short-term savings before investing toward longer-term goals

• First Home Savings Account (FHSA)

  Save for your first home with confidence and flexibility. Buying your first home is one of life's most significant milestones. Beneva's First Home Savings Account (FHSA) is designed to help eligible Canadians build their down payment through a tax-advantaged savings solution while choosing investment options that match their financial goals. Whether you're planning to purchase a home in the near future or preparing years in advance, an FHSA offers the flexibility to grow your savings through professionally managed investment solutions while keeping your long-term objectives in focus. With personalized investment choices and thoughtful financial planning, Beneva helps turn your homeownership goals into a well-structured savings strategy

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  Tax-Free Savings Account (TFSA)

  Grow your investments with greater tax efficiency. A Tax-Free Savings Account (TFSA) is more than a place to save money—it's a flexible investment solution that can help you pursue both short- and long-term financial goals while allowing eligible investment growth to accumulate tax-free. Through Beneva, your TFSA can be tailored with a range of investment solutions, including Segregated Funds and Guaranteed Interest Accounts, helping you balance growth potential, capital preservation and long-term financial planning. Whether you're saving for future opportunities, building wealth or creating a financial cushion, a TFSA can play an important role in your overall financial strategy

• Registered Retirement Savings Plan (RRSP)

  Build today. Retire with confidence tomorrow. Planning for retirement is about more than accumulating savings—it's about creating a financial future that reflects your goals and lifestyle. Beneva's Registered Retirement Savings Plan (RRSP) combines tax-advantaged investing with a range of professionally managed investment solutions to help you prepare for the years ahead. Whether you're just beginning your retirement journey or enhancing an established financial plan, your RRSP can be customized with investment options that align with your objectives, time horizon and comfort with risk. With thoughtful planning and regular contributions, an RRSP can become one of the cornerstones of your long-term financial strategy

• Registered Retirement Income Fund (RRIF)

  Turn your retirement savings into a reliable source of income. Retirement marks the beginning of a new financial chapter. Beneva's Registered Retirement Income Fund (RRIF) helps you convert your accumulated retirement savings into a structured income stream while continuing to benefit from professionally managed investment solutions. Rather than taking a one-size-fits-all approach, Beneva offers flexible investment options that can be aligned with your retirement objectives, income needs and risk tolerance. Your RRIF can continue working for you while supporting the lifestyle you've worked hard to achieve. With thoughtful planning and ongoing guidance, a RRIF can become an essential part of a sustainable retirement income strategy

• Locked-In Retirement Account (LIRA)

  Preserve your pension savings while planning for the future. When changing employers or leaving a pension plan, protecting the retirement savings you've worked hard to build becomes an important financial decision. Beneva's Locked-In Retirement Account (LIRA) provides a secure way to hold eligible pension assets while giving you access to investment solutions designed to support your long-term retirement objectives. Rather than allowing your retirement savings to remain idle, a LIRA lets you continue investing within the rules established for locked-in pension funds. With a range of professionally managed investment options, Beneva helps you create a retirement strategy that evolves alongside your financial goals. Whether you're years away from retirement or actively planning for it, a LIRA can help keep your pension savings working toward your future.

• Life Income Fund (LIF)

  Flexible retirement income designed around your lifestyle. Retirement isn't just about accessing your savings—it's about creating an income strategy that supports the life you've planned. Beneva's Life Income Fund (LIF) allows eligible locked-in retirement savings to be converted into retirement income while your remaining investments continue working toward your long-term financial objectives. Unlike solutions with fixed income payments, a LIF provides flexibility to choose investments that reflect your goals, retirement timeline and comfort with risk, within the withdrawal limits established by applicable legislation. With personalized guidance and a broad selection of investment solutions, Beneva helps you create a retirement income plan that evolves with your needs

• Individual Pension Plan (IPP)

  A personalized retirement strategy for incorporated business owners and professionals. For business owners and incorporated professionals, retirement planning often requires more than traditional savings solutions. Beneva's Individual Pension Plan (IPP) is designed to help eligible individuals build retirement wealth through a registered pension arrangement that can be tailored to their long-term financial objectives. An IPP can incorporate a range of investment solutions, including Segregated Funds and Guaranteed Interest Accounts, allowing your retirement assets to be managed according to your investment preferences and retirement timeline. Working alongside your financial and tax professionals, an IPP may become an effective component of a comprehensive retirement strategy for eligible business owners.

• Non-Registered Investment Account

  Flexible investing beyond registered plan limits. A Non-Registered Investment Account is designed for individuals who want to continue investing after maximizing their registered savings plans such as a TFSA or RRSP, or for those seeking greater flexibility in how they manage their investments. With Beneva, eligible investors can access a variety of professionally managed investment solutions, including Segregated Funds and other investment options, to build a portfolio aligned with their financial goals, investment timeline, and risk tolerance. Whether you're saving for a major purchase, growing long-term wealth, or diversifying your investment strategy, a non-registered account can become an important part of your overall financial plan.

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