We provide a range of group risk solutions to choose from, also referred to as ‘insured benefits’. Mostly, these benefits relate to life, disability, health and dread disease insurance. Business owners can purchase these benefits for their employees, either as part of a retirement fund or individually. These benefits can be structured pre- or post-tax earnings to ensure tax efficiency. Our insured benefits also include insurance that covers children’s education in the event of the death or disability of a parent. In addition, we offer annuities which guarantee to pay an income for an employee into retirement. This insures against the risk of living longer than expected. For those employees looking to retain exposure to investment markets, our Living Annuity product is an attractive option. All of these annuities can be tailored to meet each employee’s unique income needs.