QROPS

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.

Annuities

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 Registered Retirement Savings Plan (Locked-in RRSP): Funds transferred to a RRSP from a RPP that continue to be governed by certain provisions of the relevant pension legislation. At maturity, the locked-in RRSP must be converted to a life annuity or, where permitted by the province, to a LIF or LRIF. The individual does not have access to the funds other than as income, and thus, the reference to "locked-in".



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