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Low fees.
High-performing funds.

Spend an average of 1% less on MERs*

Competitive returns, top fund managers, and insurance benefits in one cost-conscious package to help your clients hit their financial goals.
*Average MER savings compared to segregated funds.
No-compromise investing.

No-compromise investing.

Assumption Life’s Registered Investment Account (RIA) is a unique low-fee investment option. Your clients will love how it offers the benefits of both mutual and segregated funds in one cost-conscious package.
Tell your clients about RIA

Better for you. Better for your clients.

The RIA is a fit for fee-conscious clients who want low-maintenance, long-term growth.

No Mutual Fund
License Needed

Start selling today. If you’re an insurance advisor registered with Assumption Life, you’re ready to begin.

Grow Your Business

Competitive fees, preferred pricing for $50k+ clients, and flexible commissions all work for you.

Simple Sales Process

Apply in 10 minutes or less via Vesta, our streamlined investment application platform. Focus on the sale, not the paperwork. Get Started

Investment Protection

Beneficiary designation, creditor protection, death benefit and maturity guarantees, and contribution protection up to $100,000.

Custom Solutions

Professionally managed, pre-packaged, high-performing funds to fit every client’s risk tolerance and time horizon.

Average savings: 1%

Lower fees really add up. The RIA works overtime to put more money in your clients’ pockets at retirement.
Start selling the RIA

How it works

The RIA is an investment product in the form of an annuity contract. It’s like a segregated fund contract, except the premiums are deposited and kept in Assumption Life’s general account. The return on investment mirrors the return made by the reference funds or strategy selected by the client. The big advantage? Highly competitive management fees.

All-star money management.

We work with the very best fund managers. Our carefully selected partners include:
Exclusive to Assumption Life

A win for registered investments

With average savings of 1%, the RIA is a score for:
Tax-Free Savings Account (TFSA)
Spousal Retirement Income Fund (spousal RIF)
Retirement Savings Plan (RSP)
Locked-in Retirement Account (LIRA)
Spousal Retirement Savings Plan (spousal RSP)
Life Income Fund (LIF)
Retirement Income Fund (RIF)