Why choose a Serenia Life Financial Guaranteed Interest Annuity?
Our Guaranteed Interest Annuity (GIA) gives you the flexibility to invest in the short- or long-term. Here’s what else you can expect with a Serenia Life Financial GIA:
Guaranteed Return
Lock in your interest rate for a term that works for you
Flexible
Choose from an RRSP, TFSA, or RRIF plan, and save for your goals in a way that suits your needs
Guaranteed Return
Lock in your interest rate for a term that works for you
Flexible
Choose from an RRSP, TFSA, or RRIF plan, and save for your goals in a way that suits your needs
Is a Guaranteed Interest Annuity for me?
A Guaranteed Interest Annuity can be appropriate for different life stages, and can be customized to meet your unique short- or longer-term needs. Whether you’ve recently accepted your first job or your first big promotion, it’s a wise choice if you’re looking for:
- a low-risk way to save towards a short-term goal – like a vacation, a wedding, or a new car
- a simple way to earn more – the more money you invest, the higher the rate⁴!
- an easier, faster way to ensure your beneficiaries⁵ receive funds⁶ directly when you pass away
- creditor protection – when you name an eligible beneficiary, your GIA may be safeguarded from creditors.
Looking for a guaranteed income stream after retirement? Consider a Single Premium Annuity
The right investment for your needs
If you’re looking for a short-term investment with the flexibility to choose a term that works for you, a Guaranteed Interest Annuity might be the right fit. It’s a good choice for individuals who want to invest their money at a guaranteed rate for up to 5 years, but wish to be able to access their savings at any time.
With an GIA, count on guaranteed return on your savings… without being locked in¹!
Earn more with a Serenia Life GIA
Fill out the form below, and a Serenia Life advisor will call you to complete your GIA application.
¹As of December 20, 2024, Serenia Life Financial is offering an annual rate of 2.95% for deposits up to $50,000 into an 12-month GIA, 3.20% for deposits between $50,000 and $99,999.99, and 3.45% for deposits of $100,000 or more. These rates are subject to change at any time.
²As of December 20, 2024, Serenia Life Financial is offering an annual rate of 3.45% for deposits up to $50,000 into a 18-month GIA, 3.70% for deposits between $50,000 and $99,999.99, and 3.95% for deposits of $100,000 or more. These rates are subject to change at any time.
³Charges may apply if you surrender your funds before the term is up
⁴Bonus interest rate is not part of the policy contract and could change at any time
⁵Registered funds left to your spouse will continue to defer income tax until they are received as income
⁶Funds are not subject to probate fees or estate settlement delays, meaning beneficiaries will receive more money – faster (when compared to a traditional GIC)
Confused by these terms? Reach out to your advisor or contact Member Services