Beneva is a new player in the financial services industry, created by the union of two major Canadian insurers: La Capitale and SSQ Insurance.
Our brand may be young, but our expertise is 80 years in the making. We have the experience and fresh new look to support your ambitions nationwide.
$29.2B in consolidated assets
3.8M clients and members
6,500+ employees from coast to coast
All the products, all the expertise and all the tools to support your growth.
Get in touchSince each client’s needs are different, you need products that adapt to them. This is why we’re always improving our offering.
This signature product now features two guarantee options for more flexibility.
| 75/100 guarantee | |
|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 75, plus 75% of amounts invested as of age 75 |
Death benefit reset | Excluded |
Maturity date | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested |
Maturity benefit resets | Excluded |
Additional guarantee fees | Excluded |
Accepted investment funds | All |
| 75/100 enhanced guarantee | |
|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 80, plus 75% of amounts invested as of age 80 |
Death benefit reset | Automatic resets every year up to age 80 |
Maturity date | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested |
Maturity benefit resets | Excluded |
Additional guarantee fees | From 0.25% to 0.60% |
Accepted investment funds | All |
| 75/100 guarantee | 75/100 enhanced guarantee* | |
|---|---|---|
Guaranteed death benefit | 100% of amounts invested up to age 75, plus 75% of amounts invested as of age 75 | 100% of amounts invested up to age 80, plus 75% of amounts invested as of age 80 |
Death benefit reset | Excluded | Automatic resets every year up to age 80 |
Maturity date | Age 100 | Age 100 |
Guaranteed maturity benefit | 75% of the amounts invested | 75% of the amounts invested |
Maturity benefit resets | Excluded | Excluded |
Additional guarantee fees | Excluded | From 0.25% to 0.60% |
Accepted investment funds | All | All |
*As at September 16, 2025, the combined fees of investment accounts with the 75/100 enhanced guarantee—management expense ratio plus the guarantee’s service fee—remain consistently lower than those for an identical fund offered by other insurers that includes a 75/100 guarantee with resets.
Enjoy proven performance, better guarantees and lower fees.
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1. As at May 2024, in comparison with the five largest insurers in Canada in terms of assets under management in Segregated Funds. Comparison with the market for actively managed Segregated Funds in Canada (funds with regular commission guarantees, excluding mutual funds) and based on funds comparable to the investment accounts offered by Beneva.
2. According to 2023 FundGrade A+® Awards and 2023 Refinitiv Lipper Fund Awards.
3. Certain conditions apply. Savings products are issued by Beneva Inc.
4. 100% capital guarantee upon death for contributions made before age 75. For contributions made after age 75, the capital is guaranteed at 75%.
5. Interest rates are subject to change at any time without notice.
