Why choose a Serenia Life Financial Guaranteed Interest Annuity?
Our Guaranteed Interest Annuity (GIA) gives you the flexibility to invest in the short- or long-term. Here’s what else you can expect with a Serenia Life Financial GIA:

Guaranteed Return
Lock in your interest rate for a term that works for you

Flexible
Choose from an RRSP, TFSA, or RRIF plan, and save for your goals in a way that suits your needs

Guaranteed Return
Lock in your interest rate for a term that works for you

Flexible
Choose from an RRSP, TFSA, or RRIF plan, and save for your goals in a way that suits your needs

Is a Guaranteed Interest Annuity for me?
A Guaranteed Interest Annuity can be appropriate for different life stages, and can be customized to meet your unique short- or longer-term needs. Whether you’ve recently accepted your first job or your first big promotion, it’s a wise choice if you’re looking for:
- a low-risk way to save towards a short-term goal – like a vacation, a wedding, or a new car
- a simple way to earn more – the more money you invest, the higher the rate³!
- an easier, faster way to ensure your beneficiaries⁴ receive funds⁵ directly when you pass away
- creditor protection – when you name an eligible beneficiary, your GIA may be safeguarded from creditors
Looking for a guaranteed income stream after retirement? Consider a Single Premium Annuity

The right investment for your needs
If you’re looking for a short-term investment with the flexibility to choose a term that works for you, a Guaranteed Interest Annuity might be the right fit. It’s a good choice for individuals who want to invest their money at a guaranteed rate for up to 5 years, but wish to be able to access their savings at any time.
With an GIA, count on guaranteed return on your savings… without being locked in¹!
Earn more with a Serenia Life GIA
¹As of July 28, 2023, Serenia Life Financial is offering an annual rate of 5.30% for deposits up to $50,000 into a 24-month GIA, 5.55% for deposits between $50,000 and $99,999.99, and 5.80% for deposits of $100,000 or more. These rates are subject to change at any time.
²Charges may apply if you surrender your funds before the term is up
³Bonus interest rate is not part of the policy contract and could change at any time
⁴Registered funds left to your spouse will continue to defer income tax until they are received as income
⁵Funds are not subject to probate fees or estate settlement delays, meaning beneficiaries will receive more money – faster (when compared to a traditional GIC)
Confused by these terms? Reach out to your advisor or contact Member Services