Investment Solutions

Whether you’re a seasoned investor or just starting out, and whether your risk tolerance is low or high, we offer a range of products that can meet your specific needs and help you realize your long- and short-term financial goals. The following are popular choices, when it comes to saving for the future:

Segregated Funds

Only offered by life insurance companies, segregated funds* come with a guarantee on your principal investment, upon maturity or death. Learn more

Variable Rate Option

A Variable Rate Option (VRO)* account ensures that your investment plan keeps pace with current interest rates. Because these rates may change frequently, interest is credited each day.

Guaranteed Rate Option

A Guaranteed Rate Option (GRO)* account allows you to choose a fixed investment period (up to five years), during which interest is guaranteed for the length of the term and compounded annually.

Socially Responsible Investments (SRIs)

Available in both segregated funds and mutual funds, socially responsible investments are a great choice for your future and the planet’s – investing only in companies that offer environmentally friendly products and conduct sustainable business practices.


Annuities* provide guaranteed payments throughout your lifetime – disbursing a predetermined amount per month, based on your ongoing expenses and preferences. Learn more

Mutual Funds

Mutual funds** – pooled and professionally managed investments – offer a simple and effective way to save for your financial goals, including retirement. Learn more

*Segregated funds, variable rate options, guaranteed rate options and annuities are administered by Co-operators Life Insurance Company.

**Mutual funds are offered through Co-operators Financial Investment Services Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits. Their values change frequently and past performance may not be repeated.

Not all products are available in all provinces.