Resets can have significant value in a volatile market. Resets mean you can reset the maturity and death benefit guarantee at a higher market value of the investment. 

With this feature, you can:

• Reset the maturity guarantee; you can lock in your investment gains at maturity. With each reset, you also have the option of designating a new maturity date. 
• Automatically reset the death benefit guarantee, locking in your investment gains at death.

Since a segregated fund is a life insurance company policy, you can name a beneficiary to receive the proceeds on your death. The proceeds of your policy are paid directly to the named beneficiary, bypassing probate, associated estate fees or risk of the Wills Variation Act. Using the named beneficiary also allows for confidential funds transfer at death. This reduces the stress on your loved ones, resulting in a very effective estate planning solution.

In the event of bankruptcy or lawsuit, your segregated fund investments may be protected from your creditors, provided you have named a preferred beneficiary. This is important for self-employed professionals and small business owners, who should protect their holdings from creditors or parties that feel they have a claim against your assets.