Individual wealth
Retirement and savings plans that work for you
Consolidate your locked-in pension funds into a single account
Build your financial future with greater flexibility and confidence
Choose the investment option that best fits your goals and comfort with risk.
Target date funds
An investment option that automatically adjusts over time. You choose a target date fund based on your expected retirement year, and investments gradually shift to a more conservative mix as that date approaches.
Best if you want a professionally managed investment approach that becomes lower risk as you get closer to retirement.
Self-directed investing
A flexible option that gives you full control over how your contributions are invested. You can choose from a range of investment funds and build your own mix based on your preferences and goals.
Best if you want more hands-on control and are comfortable making your own investment decisions.
Your income options at retirement
Drawdown
- Keeps your retirement savings invested while you draw out income over time
- Flexibility to choose how much you withdraw and how often (within regulated limits)
- Potential for your income to continue growing if investments perform well
- Funds remain exposed to market fluctuations, so income levels cannot be guaranteed and may vary over time
Annuity
- Converts your retirement savings into a guaranteed income for life
- You'll receive regular, fixed payments throughout your retirement
- No need to manage your investments or worry about outliving your savings
- Less flexibility, with options and outcomes depending on the annuity option selected
Contact us to find the right investment solution for you
Frequently asked questions
Your sum insured should represent the full cost to rebuild or replace your home or contents in the event of a total loss.
It’s important to keep this amount up to date to keep up with inflation and rising construction costs. If you’d like help reviewing or adjusting your coverage or sum insured, please call us at 1-441-298-0888.
Home insurance covers more than just your house. It also includes coverage for:
- Outbuildings
- Swimming pools
- Tennis courts
- Walls, gates, fences, and driveways
Your sum insured should reflect the full reconstruction cost of your home, including features like a pool. A hot tub must be specifically listed on your policy.
No — and there is likely a significant difference between your home’s replacement cost and its market value.
Replacement cost is the amount it would cost to rebuild your home from the ground up, including materials and labour, in the event of a total loss.
Market value is the amount a buyer might pay for your existing home, factoring in location and demand — it doesn’t consider how much it would cost to build the same home with today’s material and labour costs.
When it comes to insurance, your sum insured should be based on replacement cost, not market value.
Yes. Home insurance covers damage caused by hurricanes, subject to the terms and limits in your policy, unless hurricane coverage has been specifically excluded.
Yes. Home and contents insurance cover flood-related damage to your buildings and contents, subject to the terms and limits in your policies. Under your contents coverage, this can also include replacing fresh water in your home’s water tank if it becomes contaminated by saltwater during a storm or flood.