Let's talk about...Guaranteed Interest Accounts

Guaranteed Interest Accounts (GIA) are ideal for investors who are looking for capital security.

What is a Guaranteed Interest Account?

Similar to Guaranteed Interest Certificates (GIC) offered by banks, a GIA which is issued by an insurance company pays a predetermined interest rate on the entire value of the original investment for a set period of time and are ideal for those looking for capital security.

The benefits of a GIA

As the name suggests, a GIA provides guaranteed interest on your investment. 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 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.

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.