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.
"Inforce products" are segregated fund contracts that were issued beginning in the 1970s and up until 2009. Currently, all of these products are either capped or closed. If you own one of these products, ivari will continue to honour your policy, and the terms of your contract will remain unchanged.
If the policy you own is capped, you may still make contributions to your existing policy.