List of Approved LIF Arrangements
List of Approved Life Income Fund (LIF) Arrangements Pursuant to Regulation 207 under the Pension Benefits Act (Nova Scotia) http://www.novascotia.ca/finance/en/home/pensions/approvedlifeincomefundarrangements.aspx Dated: May 2021 Notes: - # after a LIF means the LIF is approved for Temporary Income Provision - RIF means Retirement Income Fund Reference Rate for 2021 is 6.0%
Trust Companies
B2B Trustco
• AGF Investment Inc. (RIF 1595) # • B2B Bank (RIF 1577) # • B2B Bank Intermediary Services (RIF 1584) # • B2B Bank Securities Services Inc. (RIF 1003) # • B2B Financial Services Inc. (RIF 594) # • Counsel Portfolio Services Inc. (RIF 1186) # • Investors Group Financial Services (RIF 1669) • Investors Group Securities (RIF 1668) • Mackenzie Financial Corporation (RIF 219) # • Primerica Concert (RIF 1596) # • Quadrus Investment Services Ltd. (RIF 305) #
The Bank of Nova Scotia Trust Company (Scotiatrust / Scotiabank)
• 1832 Retirement Income Fund (RIF 1607) # • Scotia (RIF 706) # • Scotia Wealth Management Group (RIF 1272) • Scotia Self-Directed (RIF 883) #
The Canada Trust Company (TD)
• Canadian Shareowner Investments Self-Directed (RIF 1532) # • IPCIC Self-Directed (RIF 1527) # • Peak Investments Services Inc. Self-Directed Retirement Income Fund (RIF 920) • Peak Securities Retirement Income Fund (RIF 1244) • TD 'FLEXI' (RIF 636) # • TD Mutual Funds (RIF 1271) # • TD Waterhouse Private Trust (RIF 1351) # • TD Waterhouse Self-Directed (RIF 644) #
Canadian Western Trust
• Agora Dealer Services Corp. Retirement Income Fund (RIF 1710) • ATB Securities Inc. (RIF 1322) • Canadian Western Trust Company(M) Retirement Income Fund (RIF 1643) • Canadian Western Trust Guaranteed (RIF 215) • Canadian Western Trust Self-Directed (RIF 214) • Equity Associates Inc. Retirement Income Fund (RIF 1724) • Haywood Securities (RIF 1212)
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List of Approved LIF Arrangements
• Leede Financial Markets Inc. Self-Directed (RIF 1247) • Ocean Rock Investments (RIF 1378) • Odlum Brown Ltd Self-Directed (RIF 201) • Qtrade Investor Inc. Self-Directed (RIF 1253) # • Raymond James Ltd. (RIF 1516) # • Credential Asset Management Inc. Self-Directed Retirement Income Fund (RIF 1726)# • BBS Securities Inc. Self-Directed Retirement Income Fund (RIF 1729) # • Assante Capital Management Ltd. Self-Directed Retirement Income Fund (RIF 1707) # • Assante Financial Management Ltd. Self-Directed Retirement Income Fund (RIF 1706) # • CI Investments Inc. Retirement Income Fund (RIF 1705) #
CIBC Mellon Trust Company
• Canoe Financial General Retirement Income Fund (RIF 1585) • CIBC Mellon General RIF (RIF 1208) # • Portland Investment Counsel (RIF 1663) #
CIBC Trust Corporation
• CIBC Investor Services Self-Directed (RIF 186) • CIBC Trust Corporation Self-Directed (RIF 112) • CIBC Trust Personal Portfolio Services (RIF 897) # • CIBC Wood Gundy Self-Directed (RIF 213) • Questrade Inc. Self-Directed Retirement Income Fund 1691 # • Renaissance Investments (RIF 378) #
Community Trust
• Community Trust Self-Directed Accounts (RIF 1091) # • Questrade Inc. Retirement Income Fund (RIF 1719) #
Computershare Trust Company of Canada
• BBS Securities Inc. (RIF 1591) # • Caldwell Securities Ltd. Self-Directed (RIF 525) # • Canaccord Genuity Corp. Self-Directed (RIF 543) # • Clearing Canada ULC Self-Directed (RIF 1684) • Computershare Trust Company of Canada Self-Directed (RIF 1671) • Credential Qtrade Securities Inc. Self-Directed Retirement Income Fund (RIF 1449) # • Edward Jones (RIF 1511) # • Excel Private Wealth Self-Directed Retirement Income Fund (RIF 1727) • RF Securities Clearing LP (RIF 1284) # • NinePoint Partners LP Self-Directed Retirement Income Fund (1689) • PI Financial Corp. (RIF 574) # • Sterling Mutuals Inc. Self-Directed Retirement Income Fund (RIF 1681) • Stone Investment Group Limited Self-Directed. (RIF 1464) #
Concentra Trust
• Alterna Savings (RIF 1482) # • Atlantic Baptist Foundation (RIF 1371) # • Concentra Self-Directed (RIF 380) # • Credential Asset Management (RIF 1171) # • Credit Union Available to all participating Credit Unions (RIF 988) # • Jovfunds Self-Directed (RIF 1298) #
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List of Approved LIF Arrangements
• MWCN Self-Directed (RIF 1652) # • Northwest and Ethical Investments LP (RIF 1503) # • Tangerine Investment Funds Limited Self-Directed (RIF 1203) #
Desjardins Trust Inc.
• Desjardins Financial Security Investments (RIF 1448) # • Desjardins Funds and Guaranteed Investments (RIF 338) # • Desjardins Securities Inc. Self-Directed (RIF 694) # • Group Life Income Fund of Desjardins Trust (RIF 1409) # • Northwest Mutual Funds (RIF 1139) # • SFL Investments (RIF 1465) #
HSBC Trust Company (Canada)
• HSBC Invest Direct Self-Directed (RIF 861) # • HSBC Investment Funds (Canada) Inc. Life Income Fund (RIF 961) # • HSBC Pooled Funds RIF (RIF 1060) # • HSBC Securities Self-Directed (RIF 593) # • HSBC Trust Company (Canada) (RIF 1155) #
Industrial Alliance Trust Inc.
• FundEx Investments Inc. (RIF 1549) # • IA Clarington Investments Inc. (RIF 1392) # • Industrial Alliance Securities Inc. Self-Directed (RIF 843) # • Investia Financial Services Inc. (RIF 1470) #
Investors Group Trust Co. Ltd.
• Investors RIF #
LBC Trust
• Laurentian Bank Securities. (RIF 1033) # • Return on Innovation Fund Inc. (RIF 1419) #
Manulife Trust Company
• Manulife Investments, a division of Manulife Asset Management Limited (RIF 1659) # • Manulife Securities Inc. Self-Directed (RIF 1651) # • Manulife Securities Investment Services Inc. Self-Directed (RIF 1650) #
NATCAN Trust Company
• Natcan Trust Company (RIF 1358) # • Natcan Trust Private Investment Management (RIF 549) # • National Bank Direct Brokerage (RIF 0632) # • National Bank Financial Inc. Self – Directed (RIF 0131) # • National Bank Investments Inc. Self-Directed RIF (RIF 1703) # • National Bank Securities Inc. (RIF 1331) #
Olympia Trust Company
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List of Approved LIF Arrangements
• Olympia Trust LIF (RIF 936) #
The Royal Trust Company (RBC)
• Arrow Capital Management Inc. (RIF 1630) # • BNY Mellon Wealth Management Advisory Services Inc. (1682) • Bullion Management Services (RIF 1376) # • Burgundy Asset Management (RIF 1070) # • Canadian Medical Association (RIF 0126) # • EdgePoint Wealth Management Inc. (RIF1500) # • Empire Life Mutual Funds Retirement Income Fund (RIF 1678) • Fiera Capital Corporation (RIF 891) # • Foresters Financial Investment Management Company Canada. (RIF 1288) # • Franklin Templeton Investment Corp (RIF 162) # • Galibier Capital Management Ltd. (RIF 1677) • Highstreet Asset Management (RIF 1160) # • I.A Michael Investment Counsel Ltd (RIF 1207) # • Invesco Canada Ltd (RIF 174) # • Letko Brosseau Inc. (RIF 1662) # • Louisbourg Investments (RIF 1519) # • Mackie Research Capital Corporation (RIF 563) # • Mawer Investment Management Ltd. (RIF 1136) • MD Private Trust Company (RIF 1265) # • Montrusco Bolton Investments (RIF 1201) # • Phillip, Hager & North Investment Management Ltd. (RIF 1536) # • RBC Direct Investing Inc. Self-Directed (RIF 731) # • RBC Dominion Securities Inc. Self-Directed (RIF 1039) # • RBC Global Asset Management Inc. (RIF 1330) # • RBC Investor Services Trust (RIF 1389) # • RBC Philip, Hager & North Investment Counsel Inc. (RIF 1486) # • RBC Private Counsel (USA) Inc. (RIF 1588) # • Royal Bank (RIF 030) # • Royal Trust (RIF 046) # • Royal Trust Personal Trust Services (RIF 047) # • SEI Investments Canada Company (RIF 1163) # • Starlight Capital Retirement Income Fund (RIF 1702) # • Sun Life Global Investments (RIF 1543) # • Value Partners Investments Inc. (RIF 1394) #
State Street Trust Company Canada
• Russell Investments (RIF 1478) #
The Trust Company of Bank of Montreal (BMO)
• Bank of Montreal Investorline Self-Directed (RIF 432) # • First Canadian (RIF 076) # • Guardian Group of Funds Ltd. Self-Directed (RIF 062) # • Nesbitt Burns Inc. Self-Directed (RIF 089) # • The Trust Company of Bank of Montreal (RIF 1028) #
TSX Trust Company
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List of Approved LIF Arrangements
• Fidelity Clearing Canada ULC Self-Directed Retirement Income Fund (RIF 1735)
Banks
Bank of Nova Scotia (Scotiabank)
• (see Scotiatrust)
Canadian Imperial Bank of Commerce
• CIBC RIF (0025)
Concentra Bank
• Concentra (RIF 003) #
Tangerine Bank
• Tangerine Bank RIF (1550) #
Ubiquity Bank of Canada
• Ubiquity Bank (RIF 1347) #
Insurance Companies
Allianz Life Insurance Company of North America
• Variable Annuity Insurance Contract #
Assumption Life / Assumption Vie
• Assumption Mutual Life Insurance (RIF) • Assumption Life Retirement Income Fund Rider (RIF 1723) #
AXA Assurance Inc.
• Accumulife Option Contract (RIF 1485) #
BMO Life Assurance Company
• BMO Guaranteed Investment Funds (RIF 1606) #
The Canada Life Assurance Company
• Canada Life Estate Protection Segregated Funds (RIF 1676) • Canada Life Segregated Fund (RIF 1524) # • Canada Life Preferred Series 2 (RIF 1571) # • Flex Individual Variable Insurance Contract (RIF 356) • Generations Individual Variable Insurance Contract (RIF 1140) • Guaranteed Interest Option and Daily Investment Account (RIF 1685) • LIF with Guaranteed Interest Investment Account (RIF 353) • Variable Investment Policy RIF (RIF 1138) Page 5 of 8
List of Approved LIF Arrangements
• The Canada Life Assurance Company Guaranteed Interest and Daily Interest RIF (RIF 1720) • Canada Life Group Retirement Income Fund (RIF 1660)# • Canada Life Trusteed Group Retirement Income Fund (RIF 1664)# • Canada Life Segregated Funds Investors Group Series Retirement Income Fund (RIF 1523) #
The Co-operators Life Insurance Company
• Aviator Portfolios Retirement Income Fund (1688) # • Group Retirement Income Plans (RIF 1454) # • Group Retirement Income Solutions (RIF 1565) # • Versatile Portfolios (RIF 1396) # • Versatile Portfolios Navigator (RIF 1634) #
Desjardins Financial Security Life Assurance Company
• Desjardins Financial Security Group Life Income Fund (RIF 1406) # • Desjardins Financial Security Guaranteed Investment Funds - Helios (RIF 1468) # • Desjardins Funds and Guaranteed Investments (RIF 338) # • Desjardins Securities Self-Directed Retirement Income Fund (RIF 694) • Millennia III Plan (RIF 879) #
The Empire Life Insurance Company
• Canoe EL Protection Portfolios 75/100 Retirement Income Fund (RIF 1737) # • Canoe EL Protection Portfolios 75/75 Retirement Income Fund (RIF 1736) # • CI Empire Life Concentric GIF 75/100 Retirement Income Fund (RIF 1731) # • CI Empire Life Concentric GIF 75/75 Retirement Income Fund (RIF 1730) # • Class Plus 2 (RIF 1590) # • Class Plus 2.1 (RIF 1632) # • Class Plus 3.0 (RIF 1690) # • Elite (RIF 1149) # • Elite XL (RIF 1077) # • Empire Class Segregated Funds (RIF 1424) # • Empire Life Guaranteed Investment Funds 100/100 (RIF 1633) # • Empire Life Guaranteed Investment Funds 75/100 (RIF 1631) # • Empire Life Guaranteed Investment Funds 75/75 (RIF 1646) # • Guaranteed Interest Contract (RIF 1629) #
The Equitable Life Insurance Company of Canada
• Equitable Life LIF #
The Great-West Life Assurance Company
• Flexible Income Fund (RIF 177) • Flexible Income Fund Investors Group Series (RIF 1165) • Great West Life Estate Protection Segregated Funds (RIF 1675) • Great West Life Guaranteed Interest (RIF 1683) • Great West Life Segregated Funds (RIF 1507) # • Great-West Life Preferred Series 2 (RIF 1569) # • RIF Annuity (RIF 329) #
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List of Approved LIF Arrangements
Industrial Alliance Life Insurance Company
• Ecoflex (RIF 327) # • Group Retirement Income Fund (RIF 1312) # • IAG Savings and Retirement Plan (RIF 1553) # • RBC Insurance Guaranteed Investment Funds RIF #
La Capitale Insurance and Financial Services Inc.
• Pan-Canadian (RIF 1587) # • Pan-Canadian Retirement Savings Plan (RIF 1594) #
London Life Insurance Company
• London Life Estate Protection Segregated Funds (RIF 1674) • London Life Guaranteed Interest RIF (RIF 1558) • London Life Marketfund (RIF 236) • London Life Segregated Funds (RIF 1525) # • London Life Preferred Series 2 (RIF 1570) #
The Manufacturers Life Insurance Company
• Commercial Union Segregated Fund (RIF 1153) # • Lifestyle RIF (RIF 194)# • Manulife Group RIF (RIF 1383) • Manulife Ideal Segregated Funds (Classic) (RIF 1648) # • Manulife Ideal Segregated Funds Signature 2.0 and Manulife Ideal Signature Select (RIF 1649) # • Manulife Ideal Segregated Funds Signature Series (RIF 1656) # • Manulife Ideal Term Funds (RIF 1657) # • Manulife Investment Guaranteed Interest Contract (RIF 1291)# • Manulife Investments Guaranteed Investment Funds & Guaranteed Investment Funds encore (RIF 1026)# • Manulife Investments Guaranteed Investment Funds Capital Accumulator Plan (CAP) (RIF 1395) # • Manulife Investments Guaranteed Investment Funds Investment Account (MLIA) (RIF 815) # • Manulife Investments Guaranteed Investment Funds Investment Portfolio (MLIP) (RIF 986) # • Manulife Investments Guaranteed Investment Funds Select (original) (RIF 1436)# • Manulife Investments Guaranteed Investment Funds Select (RIF 1517)# • Manulife Pension Builder (RIF 1556)# • Manulife Portfolio (RIF 1658) # • Manulife Private Investment Pools-MPIP (RIF 1627)# • Manulife RetirementPlus (RIF 1604)# • Maritime Life Elite Portfolio Elite Portfolio (RIF 1316) # • Maritime Life Synchrony Funds (RIF 1159) # • Royal & Sun Alliance Segregated Funds (RIF 852) # • Royal and Sun Alliance Financial (RIF 1211) # • Vista (RIF 648)# • Zurich WealthGuard Segregated Funds (RIF 1185)#
The Prudential Insurance Company of America
• (see London Life Insurance Company)
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List of Approved LIF Arrangements
Primerica Life Insurance Company of Canada
• Common Sense Funds (RIF 1267) #
RBC Life Insurance Company
SSQ Life Insurance Company
• SSQ LIF (RIF 136) # • SSQ LIF (RIF 1496) #
The Standard Life Assurance Company of Canada
• Standard Life Group Life Income Fund (RIF 1251) #
Sun Life Assurance Company
• Canadian Dental Association (RIF 1318) • Group Retirement (RIF 1104) • Group Retirement Services (RIF 1216) • Income Master (RIF 1435) # • Sun Guaranteed Investment Fund (GIF) Solutions (RIF 1639) # • Sun Life Financial Trust Inc. (RIF 1497) # • Sun Life SLF Investments (RIF 1583) # • Sun Lifetime Advantage Guaranteed Investment Fund (GIF) (RIF 1642) # • Sun Protect Guaranteed Investment Fund (GIF) (RIF 1644) # • Sun Spectrum Interest Account (RIF 1320) # • SunWise Essential Series 2 Segregated Funds (RIF 1581) # • SunWise Essential Series Segregated Funds (RIF 1541) #
Transamerica Life Canada
• AIC Segregated Funds (RIF 1157) # • BPI Legacy Funds (RIF 1105) # • CI Guaranteed Funds (RIF 1166) # • TD Guaranteed Investment Funds II (RIF 1215) # • Transamerica Guaranteed Investment Funds (RIF 1520) # • Transamerica Investment Portfolio (RIF 1258) # • Transamerica Investment Portfolio Grow Safe (RIF 828) # • Transamerica Investment Portfolio Grow Safe 2 (RIF 1002) # • Transamerica Investment Portfolio II (RIF 1319) # • Transpac Contract (RIF 1522) #
Other
League Savings & Mortgage Company
• League Savings & Mortgage RIF #
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