Rates and Performance

Group Retirement Services

London Life

Great West Life

Individual Savings

Term Deposits - GIC

Registered Short Term (less than 1 Year)

Registered 1 to 6 years

Non-Registered Short Term (less than 1 Year)

Non-Registered 1 to 6 years

Standard Life

Industrial Alliance Pacific

Segregated Funds

Segregated funds offer a wide variety of investment objectives and categories—bond funds, equity funds, diversified funds, international funds, specialty funds, etc. Features and advantages of a segregated fund are:

  • A guarantee on your deposits, applicable at the maturity of the investment or at death. You can recover the entire amount you have invested.
  • Protection on the amounts generated by your investments in excess of the deposits made.
  • Potential protection of your savings from creditors (Certain conditions apply)
  • At death the estate value bypasses probate fees 


Rates of Return           

Industrial Alliance Pacific

Standard Life

Great West Life

Manulife Financial


HMR Employee Benefits Ltd. 206-2187 Oak Bay Avenue - Victoria , BC V8R 1G1 PHONE: (250) 592-4614 - TOLL FREE: 1-888-592-4614 Fax: (250) 592-4953 - EMAIL:
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