Build Wealth & Protect Your Future
As an HLLQP-licensed advisor, Rajni can help you grow and protect wealth through insurance-based investment solutions — including registered accounts funded with segregated funds.
Insurance-Based Investing in BC
The Harmonized Life Licence Qualification Program (HLLQP) is the BC licensing standard for life and A&S insurance advisors. It authorizes Rajni to offer Segregated Funds — insurance products with built-in death and maturity guarantees — that can be held inside registered accounts like RRSPs, TFSAs, RESPs, FHSAs, and RDSPs.
This means you get the growth potential of investment funds plus the protection of insurance — including creditor protection and estate bypass benefits that mutual funds cannot offer.
Explore Investment Options →Why Segregated Funds?
Segregated funds are the cornerstone of insurance-based investing. Unlike mutual funds, seg funds offer a guaranteed return of 75–100% of your principal at maturity or death, creditor protection in certain circumstances, and the ability to name a beneficiary for fast, private estate transfer — bypassing probate fees entirely.
Segregated Funds
Insurance-based investment funds with built-in guarantees. Grow your money like a mutual fund — with the safety net of insurance protection.
- 75–100% principal guarantee at maturity
- Death benefit guarantee
- Named beneficiary — bypasses probate
- Creditor protection (in many cases)
FHSA
First Home Savings Account — save up to $40,000 tax-free toward your first home. Contributions are tax-deductible and withdrawals are tax-free.
- $8,000/year contribution limit
- $40,000 lifetime maximum
- Tax-deductible contributions
- Tax-free qualifying withdrawals
RRSP
Registered Retirement Savings Plan — reduce your taxable income now and grow your retirement savings tax-deferred, funded through seg funds.
- Up to 18% of prior year income
- Tax-deferred growth
- HBP & LLP withdrawal programs
- Spousal RRSP options
TFSA
Tax-Free Savings Account — any growth and withdrawals are completely tax-free. The most flexible registered account for any goal.
- $7,000/year contribution limit (2024)
- Lifetime room accumulates from age 18
- Withdraw anytime, tax-free
- Room restores the following year
RESP
Registered Education Savings Plan — save for your child's post-secondary education and receive free government grants up to $7,200.
- 20% CESG grant on first $2,500/year
- $7,200 lifetime CESG per child
- Additional BCTESG for BC families
- Tax-deferred growth
RDSP
Registered Disability Savings Plan — long-term savings for Canadians with disabilities, with generous government grants and bonds.
- Up to $3,500/year in gov't grants (CDSG)
- Up to $1,000/year in bonds (CDSB)
- $200,000 lifetime contribution limit
- Tax-deferred growth
Annuities
Convert your savings into a guaranteed income stream you cannot outlive. Ideal for retirement planning and eliminating longevity risk.
- Guaranteed income for life or set term
- Immediate or deferred options
- Joint-life options for couples
- No market risk
GIA & RRIF
Guaranteed Investment Annuities for capital-protected growth, and RRIFs to turn your RRSP into a steady retirement income at age 71.
- 100% principal guarantee (GIA)
- Competitive guaranteed interest rates
- RRIF minimum withdrawals from age 71
- Flexible payout schedules
