Equity Index GIA One foot in the market, the other on safe ground.

Capital guaranteed at maturity or upon death, even the capital linked to market performance.1

Fixed return
Up to 3.05%

Variable return
Up to 10.96%2 over 5 years

Risk
Variable

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Our Equity Index Guaranteed Interest Account (GIA) strikes the right balance. It's partly linked to market performance, partly guaranteed at a predetermined fixed rate.

This option offers a higher potential return than the Traditional GIA, while also providing a level of security.

 


The basics

What do I need to consider?
 

Notre CIG Indice-Action vous offre une garantie de capital à 100 % au décès : en gros, impossible de perdre la partie du capital que vous avez décidé de garantir, même si les marchés fluctuent.

Vous aurez également le choix de garantir votre capital à l’échéance à hauteur de 90 %, 100 % ou 110 % (oui oui, vous pouvez aussi garantir un certain gain, mais seulement dans les comptes enregistrés). Plus la garantie est basse, plus les conditions sont avantageuses.

Comme pour un prêt, la durée est déterminée ensemble, au moment de signer le contrat. Vous pouvez choisir entre un terme de 5 ans, de 7 ans et de 10 ans.

Plus vous laissez votre argent longtemps, plus le taux proposé pour la partie fixe est intéressant.

Vous pouvez racheter votre CIG en tout temps, mais certains frais et pénalités peuvent s’appliquer pour un retrait anticipé3.

La partie variable de votre CIG Indice-Action sera exposée à la performance de la bourse, mais sans que vous ayez à en gérer chacun des placements. C’est-à-dire que sa performance reflétera celle d’un indice de marché ou d’un fonds, selon votre choix.

  • Indice de marché : le rendement est basé sur un indice boursier reconnu, comme la bourse de Toronto par exemple.
  • Fonds de référence à gestion active : le rendement reflète la performance d’un fonds commun de placement, régi par une société de gestion reconnue.
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Beneva, a smart investment

Enjoy greater stability

The Equity Index GIA's guarantees translate into stable returns compared to stock market investments.

We guarantee your capital

In the event of death, your beneficiaries can recover all the capital you invested, no matter which way the market moves.

You can choose your beneficiary

When you invest with an insurer, you can designate a beneficiary to receive the balance of your account in the event of death.

We keep your money safe

As a member company of Assuris, your investments are protected up to $100,000 or 90% of the benefit amount, whichever is higher.4

Safety or performance? Strike a balance.

Fixed component

The fixed return portion of your Equity Index GIA will be determined at the time of the contract. It's influenced by your choice of capital guarantee, index or reference fund, as well as your term, among other things.

 

Variable component

For the portion of your GIA linked to the stock market, you can choose between a market index and two actively managed index funds. Need help deciding? Our financial advisors5 can guide you.

 

Market Index: S&P/TSX60

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Service fee information
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Registered plan

IPP

Non-registered plan

Traditional GIA

Rather play it safe? We’ve got a GIA for that.

Our Traditional GIA: a guaranteed fixed rate. This classic GIA is risk-free and offers attractive features such as:

  • redeemable or non-redeemable rate options
  • progressive rate bonuses for investments over $10,000

Fixed return
Up to 3.45%

Risk
Low

Discover the Traditional GIA

1. Some conditions, restrictions or exclusions may apply.

2. Over a 5-year period. This rate represents the higher of the returns between the S&P/TSX60, Canadian Low Volatility Equity (TDAM) and Global Low Volatility Equity (TDAM), for the stock market exposed variable portion of the Equity Index GIA as of July 31, 2025.

3. Subject to applicable fees and penalties.

4. Specific protection for each account category. There are three categories: non-registered accounts, registered accounts (RRSPs, LIRAs, RRIFs and LIFs) and TFSAs.

5. On behalf of Beneva Inc., Financial services firm and its authorized partners.

If interest rates published on this site differ from those in the official list from Beneva Inc., the official list published by Beneva Inc. shall prevail. Interest rates are subject to change at any time without notice.