Unlock the Power of Guaranteed Returns.

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The Bank Isn’t Your Only Option for Parking Your Money.

Increase the level of protection on your savings and investments with insurance GICs. Assuris, which protects and backs insurance GICs, unlike the CDIC that insures banks, provides a principal guarantee of $100,000 or 90% of the full value—whichever is greater—on insurance GICs, while CDIC products at the bank like GICs or Term Deposits only protect $100,000 and don’t carry the same level of protection. Choosing an insurance GIC also allows you to choose a beneficiary for both your registered and non-registered funds with proceeds being paid directly to your beneficiary when you pass away.

Guaranteed Returns

Insurance GICs have premium deposit protection provided by Assuris, providing a principal guarantee of $100,000 or 90% of the full value, whichever is greater.

Pay Less Fees

Keep more money in your pocket by paying less monthly fees on your insurance GICs from Synchronized Agency Inc.

Protected from Creditors

Insurance GICs may be protected from creditors, which can be especially beneficial to business owners or self-employed professionals.

Direct to Beneficiaries

Proceeds are paid directly to beneficiaries upon the annuitant’s death, avoiding potential delays and expenses associated with probate.

Fund Withdrawal Option

All insurance GICs are fully redeemable, giving you access to all or some of your money when you need it.

Take a Closer Look at Our Insurance GICs.

The Choice is Yours!

You can hold insurance GICs in a range of different accounts, including:

Non-registered
TFSA
RRSP
Spousal RRSP

LIRA
LRSP
RLSP
RRIF

PRIF
LIF
LRIF
RLIF

Pick the Best Term for Your Needs.

Choose from a selection of different term options, including:

Half-year terms
Up to 10 years of guaranteed returns
Competitive daily interest rate options

Compound Interest Option (Cashable)

30, 90, 180 days
1-10 years, including half-year terms
3-year and 5-year laddered terms—upon renewal, laddered terms automatically reinvest to the term of the ladder (e.g. each 3-year ladder term is reinvested in a 3-year term)

Simple Interest Option (Cashable)

1-10 years, including half-year terms
Your interest can be paid to you either monthly, quarterly, semi-annually, or annually as a source of guaranteed interest income

Daily Interest Option (Cashable)

Conveniently Schedule Your Income.

Non-registered, TFSA: interest only
RRSP, spousal RRSP, LIRA, LRSP, RLSP: not available
RRIF, PRIF, LIF, RLIF: minimum, maximum (LIF, LRIF, and RLIF), level

Simple Interest Option.

Choose between having the interest paid to you or the daily interest option on a monthly, quarterly, semi-annual, or annual basis.

Applied at the Contract Level.

Band 1: $0 to $49,999—basic rate
Band 2: $50,000 to $99,999—basic rate + 0.125%
Band 3: $100,000 and up—basic rate + 0.250%

Get to Know More About Synchronized Agency Inc.

At Synchronized Agency Inc., we believe in supporting Canadian families in the preservation of the wealth they have worked so hard to create. That is why our dedicated team of financial advisors and administrative staff are always ready to support each individual client with their specific needs. Thanks to the access we have to many leading Canadian insurers for their insurance GIC products, we can help you carefully select the best investments for your unique circumstances.