Guaranteed Interest Annuity

…or the insurance version of a GIC. A Guaranteed Interest Annuity (GIA) is a low-risk way to invest your hard-earned money. Right now, earn up to 3.35%¹ interest on an 45-month term or up to 3.50%² interest on a 57-month term, guaranteed.

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

Freedom

To access your own money early³ if you really need it before the term is up

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

Freedom

To access your own money early³ if you really need it before the term is up

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 rate⁓!
  • an easier, faster way to ensure your beneficiaries⁵ receive funds⁶ directly when you pass away
  • creditor protection – when you name an eligible beneficiary, your GIA may be safeguarded from creditors.

 

Speak With an Advisor

 

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

Fill out the form below, and a Serenia Life advisor will call you to complete your GIA application.


 

¹ As of April 21, 2025, Serenia Life Financial is offering an annual rate of 2.85% for deposits up to $50,000 into a 45-month GIA, 3.10% for deposits between $50,000 and $99,999.99, and 3.35% for deposits of $100,000 or more. These rates are subject to change at any time.

² As of April 21, 2025, Serenia Life Financial is offering an annual rate of 3.00% for deposits up to $50,000 into a 57-month GIA, 3.25% for deposits between $50,000 and $99,999.99, and 3.50% for deposits of $100,000 or more. These rates are subject to change at any time.

³Charges may apply if you surrender your funds before the term is up

⁓Bonus interest rate is not part of the policy contract and could change at any time

⁵Registered funds left to your spouse will continue to defer income tax until they are received as income

⁶Funds 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