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Let's talk about...Guaranteed Interest Accounts

Guaranteed Interest Accounts provide a valuable service for many investors, especially those seeking capital security.

What is a Guaranteed Interest Account?

A GIA is issued by an insurance company, but is similar to a Guaranteed Interest Certificate (GIC) offered by banks. A GIA pays a predetermined interest rate on the entire value of the original investment for a set period of time.

The benefits of a GIA

First and foremost, a GIA provides peace of mind - a valuable commodity in this day and age, but it provides much more than that, too.

As the name suggests, a GIA provides guaranteed interest on your investment. Guaranteed interest is an integral part of a well-balanced portfolio for many types of investors. Regardless of market conditions, your investment will continue to provide a steady return, significantly reducing risk.

ivari offers a range of GIA options with the following features and benefits:

  • Guaranteed rates of return
  • Estate planning
  • Security of principal
  • Redeemable/non-redeemable option
  • A wide choice of terms and investment options
  • Potential creditor protection
  • Protected by Assuris, up to limits set by Assuris. More information on the coverage can be found at www.assuris.ca


Harvest is a GIA contract that pays the simple interest earned to the owner at monthly, quarterly, semi-annual or annual intervals. Harvest requires a $10,000 minimum deposit and can only be held as a non-registered investment. Contact your advisor for more information on ivari's Guaranteed Interest Products and to see if this investment vehicle is right for you.

Interest Accumulation GIAs

With interest accumulation, you have two investment options to choose from:

a) GIA (Guaranteed Interest Account)

  • Available as redeemable or non-redeemable
  • Earns an interest rate that is guaranteed for the term selected
  • Interest is compounded
  • $1,000 minimum deposit required

b) DIA (Daily Interest Account)

  • Earns a simple rate of interest that fluctuates daily
  • Allows you to access funds at any time without fees.
  • $500 minimum deposit required

ivari is the issuer of the Guaranteed Interest Contracts.