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Use the Services Directory to quickly access information on all of the services provided by the NS Department of Finance and Treasury Board.

List of Approved Life Income Fund Arrangements

Pursuant to Regulation 207 under the Pension Benefits Act (Nova Scotia)

Dated: October 2017

Note: (# after a LIF means the LIF is approved for Temporary Income Provision), (RIF means Retirement Income Fund)

Reference Rate for 2017 is 6.0%

Temporary Income for 2017 is $ 27,650

Trust Companies

B2B Trustco

  • AGF Investment Inc. (RIF 1595) # 
  • B2B Bank (RIF 1577) #
  • B2B Bank Intermediary Services (RIF 1584) #
  • B2B Bank Securities Services Inc. (RIF 1003) #
  • B2B Financial Services Inc. (RIF 594) #
  • Counsel Portfolio Services Inc. (RIF 1186) #
  • Harmony (RIF 1597) #
  • Investors Group Financial Services (RIF 1669)
  • Investors Group Securities (RIF 1668)
  • Mackenzie Financial Corporation (RIF 219) #
  • Primerica Concert (RIF 1596) #
  • Quadrus Investment Services Ltd. (RIF 305) #

The Bank of Nova Scotia Trust Company (Scotiatrust / Scotiabank)

  • 1832 Retirement Income Fund (RIF 1607) #
  • HollisWealth Advisory Services Inc Self-Directed (RIF 1563) #
  • HollisWealth Self-Directed (RIF 1562) #
  • Scotia (RIF 706) #
  • Scotia Private Client Group (RIF 1272) #
  • Scotia Self-Directed (RIF 883) #

The Canada Trust Company (TD)

  • Assante Capital Management Ltd. Self-Directed (RIF 1238) #
  • Assante Financial Management Ltd. Self-Directed (RIF 1239) #
  • Canadian Shareowner Investments Self-Directed (RIF 1532) #
  • CI Investments Inc. Retirement Income Fund (RIF 718) #
  • Dundee Securities Self-Directed Retirement Income Fund (RIF 1561)
  • Fidelity Investments Canada ULC (RIF 997) #
  • IPCIC Self-Directed (RIF 1527) #
  • Peak Investments Services Inc. Self-Directed Retirement Income Fund (RIF 920)
  • Peak Securities Retirement Income Fund (RIF 1244)
  • TD 'FLEXI' (RIF 636) #
  • TD Mutual Funds (RIF 1271) #
  • TD Waterhouse Private Investment Counsel (RIF 667) #
  • TD Waterhouse Private Trust (RIF 1351) #
  • TD Waterhouse Self-Directed (RIF 644) #

Canadian Western Trust

  • ATB Securities Inc. (RIF 1322)
  • Canadian Western Trust Company(M) Retirement Income Fund (RIF 1643)
  • Canadian Western Trust Guaranteed (RIF 215)
  • Canadian Western Trust Self-Directed (RIF 214)
  • Haywood Securities (RIF 1212)
  • Leede Financial Markets Inc. Self-Directed (RIF 1247)
  • Ocean Rock Investments (RIF 1378)
  • Odlum Brown Ltd Self-Directed (RIF 201)
  • Qtrade Investor Inc. Self-Directed (RIF 1253) #
  • Raymond James Ltd. (RIF 1516) #

CIBC Mellon Trust Company

  • Canoe Financial General Retirement Income Fund (RIF 1585)
  • CIBC Mellon General RIF (RIF 1208) #
  • Portland Investment Counsel (RIF 1663) #

CIBC Trust Corporation

  • CIBC Investor Services Self-Directed (RIF 186)
  • CIBC Trust Corporation Self-Directed (RIF 112)
  • CIBC Trust Personal Portfolio Services (RIF 897) #
  • CIBC Wood Gundy Self-Directed (RIF 213)
  • Renaissance Investments (RIF 378) #

Community Trust

  • Community Trust Self-Directed Accounts (RIF 1091) #

Computershare Trust Company of Canada

  • BBS Securities Inc. (RIF 1591) #
  • Caldwell Securities Ltd. Self-Directed (RIF 525) #
  • Canaccord Genuity Corp. Self-Directed (RIF 543) #
  • Computershare Trust Company of Canada Self-Directed (RIF 1671)
  • Credential Securities Inc. Self-Directed (RIF 1449) #
  • Edward Jones (RIF 1511) #
  • Fidelity Clearing Canada ULC Self-Directed (RIF 1684)
  • GMP Securities L.P. (RIF 1284) #
  • Questrade Inc. (RIF 1447) #
  • Sprott Asset Management L.P (RIF 1533) #
  • Sterling Mutuals Inc. Self-Directed Retirement Income Fund (RIF 1681)
  • Stone Investment Group Limited Self-Directed. (RIF 1464) #

Concentra Trust

  • Alterna Savings (RIF 1482) #
  • Atlantic Baptist Foundation (RIF 1371) #
  • Concentra Self-Directed (RIF 380) #
  • Credential Asset Management (RIF 1171) #
  • Credit Union Available to all participating Credit Unions (RIF 988) #
  • Jovfunds Self-Directed (RIF 1298) #
  • MWCN Self-Directed (RIF 1652) #
  • Northwest and Ethical Investments LP (RIF 1503) #
  • Tangerine Investment Funds Limited Self-Directed (RIF 1203) #


Desjardins Trust Inc.

  • Desjardins Financial Security Investments (RIF 1448) #
  • Desjardins Funds and Guaranteed Investments (RIF 338) #
  • Desjardins Securities Inc. Self-Directed (RIF 694) #
  • Group Life Income Fund of Desjardins Trust (RIF 1409) #
  • Northwest Mutual Funds (RIF 1139) #
  • SFL Investments (RIF 1465) #

HSBC Trust Company (Canada)

  • HSBC Invest Direct Self-Directed (RIF 861) #
  • HSBC Securities Self-Directed (RIF 593) #
  • HSBC Trust Company (Canada) (RIF 1155) #

Industrial Alliance Trust Inc.

  • FundEx Investments Inc. (RIF 1549) #
  • IA Clarington Investments Inc. (RIF 1392) #
  • Industrial Alliance Securities Inc. Self-Directed (RIF 843) #
  • Investia Financial Services Inc. (RIF 1470) #

Investors Group Trust Co. Ltd.

  • Investors RIF #
  • London Life Trusteed Group (RIF 1664) #

LBC Trust

  • Laurentian Bank Securities. (RIF 1033) #
  • Return on Innovation Fund Inc. (RIF 1419) #

Manulife Trust Company

  • Manulife Investments, a division of Manulife Asset Management Limited (RIF 1659) #
  • Manulife Securities Inc. Self-Directed (RIF 1651) #
  • Manulife Securities Investment Services Inc. Self-Directed (RIF 1650) #

NATCAN Trust Company

  • Altamira (RIF 272) #
  • Meritage Portfolios (RIF 1441) #
  • Natcan Trust Private Investment Management (RIF 549) #
  • National Bank Financial Ltd. Self-Directed (RIF 552) #
  • National Bank Securities Inc. (RIF 1331) #

 
Olympia Trust Company

  • Olympia Trust LIF (RIF 936) #

The Royal Trust Company (RBC)

  • Arrow Capital Management Inc. (RIF 1630) #
  • BNY Mellon Wealth Management Advisory Services Inc. (1682)
  • Bullion Management Services (RIF 1376) #
  • Burgundy Asset Management (RIF 1070) #
  • Canadian Medical Association (RIF 126) #
  • EdgePoint Wealth Management Inc. (RIF1500) #
  • Empire Life Mutual Funds Retirement Income Fund (RIF 1678)
  • Fiera Capital Corporation (RIF 891) #
  • Foresters Financial Investment Management Company Canada (RIF 1288) #
  • Franklin Templeton Investment Corp (RIF 162) #
  • Front Street Capital 2004 (RIF 1495) #
  • Galibier Capital Management Ltd. (RIF 1677)
  • Highstreet Asset Management (RIF 1160) #
  • I.A Michael Investment Counsel Ltd (RIF 1207) #
  • Invesco Canada Ltd (RIF 174) #
  • Letko Brosseau Inc. (RIF 1662) #
  • Louisberg Investments (RIF 1519) #
  • Mackie Research Capital Corporation (RIF 563) #
  • Marquest Investment Counsel (RIF 1206) #
  • Mawer Investment Management Ltd. (RIF 1136)
  • MD Private Trust Company (RIF 1265) #
  • Montrusco Bolton Investments (RIF 1201) #
  • Philip, Hager & North Investment Management Ltd. (RIF 1536) #
  • RBC Direct Investing Inc. Self-Directed (RIF 731) #
  • RBC Dominion Securities Inc. Self-Directed (RIF 1039) #
  • RBC Global Asset Management Inc. (RIF 1330) #
  • RBC Investor Services Trust (RIF 1389) #
  • RBC Philip, Hager & North Investment Counsel Inc. (RIF 1486) #
  • RBC Private Counsel (USA) Inc. (RIF 1588) #
  • Royal Bank (RIF 030) #
  • Royal Trust (RIF 046) #
  • Royal Trust Personal Trust Services (RIF 047) #
  • SEI Investments Canada Company (RIF 1163) #
  • Sun Life Global Investments (RIF 1543) #
  • Value Partners Investments Inc. (RIF 1394) #
  • Wave Cycle (RIF 1484) #

State Street Trust Company Canada

  • Russell Investments (RIF 1478) #
  • Sentry Retirement Income Fund (RIF 1126) #

The Trust Company of Bank of Montreal (BMO)

  • Bank of Montreal Investorline Self-Directed (RIF 432) #
  • First Canadian (RIF 076) #
  • Guardian Group of Funds Ltd. Self-Directed (RIF 062) #
  • Nesbitt Burns Inc. Self-Directed (RIF 089) #
  • The Trust Company of Bank of Montreal (RIF 1028) #


    Banks

    Bank of Nova Scotia (Scotiabank)

    • (see Scotiatrust)

    Canadian Imperial Bank of Commerce

    • CIBC RIF (0025)

    Concentra Bank

    • Concentra (RIF 003) #

    Tangerine Bank

    • Tangerine Bank RIF (1550) #

    Ubiquity Bank of Canada

    • Ubiquity Bank (RIF 1347) #


    Insurance Companies

    Allianz Life Insurance Company of North America

    • Variable Annuity Insurance Contract #

    Assumption Life / Assumption Vie

    • Assumption Mutual Life Insurance (RIF)

    AXA Assurance Inc.

    • Accumulife Option Contract (RIF 1485) #

    BMO Life Assurance Company

    • BMO Guaranteed Investment Funds (RIF 1606) #

    The Canada Life Assurance Company

    • Canada Life Estate Protection Segregated Funds (RIF 1676)
    • Canada Life Segregated Fund (RIF 1524) #
    • Canada Life Preferred Series 2 (RIF 1571) #
    • Flex Individual Variable Insurance Contract (RIF 356)
    • Generations Individual Variable Insurance Contract (RIF 1140)
    • Guaranteed Interest Option and Daily Investment Account (RIF 1685)
    • LIF with Guaranteed Interest Investment Account (RIF 353)
    • Variable Investment Policy RIF (RIF 1138)

    The Co-operators Life Insurance Company

    • Aviator Portfolios Retirement Income Fund (1688) #
    • Group Retirement Income Plans (RIF 1454) #
    • Group Retirement Income Solutions (RIF 1565) #
    • Versatile Portfolios (RIF 1396) #
    • Versatile Portfolios Navigator (RIF 1634) #

    Desjardins Financial Security Life Assurance Company

    • Desjardins Financial Security Group Life Income Fund (RIF 1406) #
    • Desjardins Financial Security Guaranteed Investment Funds - Helios (RIF 1468) #
    • Desjardins Funds and Guaranteed Investments (RIF 338) #
    • Desjardins Securities Self-Directed Retirement Income Fund (RIF 694)
    • Millennia III Plan (RIF 879) #

    The Empire Life Insurance Company

    • Class Plus 2 (RIF 1590) #
    • Class Plus 2.1 (RIF 1632) #
    • Elite (RIF 1149) #
    • Elite XL (RIF 1077) #
    • Empire Class Segregated Funds (RIF 1424) #
    • Empire Life Guaranteed Investment Funds 100/100 (RIF 1633) #
    • Empire Life Guaranteed Investment Funds 75/100 (RIF 1631) #
    • Empire Life Guaranteed Investment Funds 75/75 (RIF 1646) #
    • Guaranteed Interest Contract (RIF 1629) #

    The Equitable Life Insurance Company of Canada

    • Equitable Life LIF #

    The Great-West Life Assurance Company

    • Flexible Income Fund (RIF 177)
    • Flexible Income Fund Investors Group Series (RIF 1165)
    • Great West Life Estate Protection Segregated Funds (RIF 1675)
    • Great West Life Guaranteed Interest (RIF 1683)
    • Great West Life Segregated Funds (RIF 1507) #
    • Great West Life Segregated Funds Investors Group Series (RIF 1523) #
    • Great-West Life Preferred Series 2 (RIF 1569) #
    • RIF Annuity (RIF 329) #

    Industrial Alliance Life Insurance Company

    • Ecoflex (RIF 327) #
    • Group Retirement Income Fund (RIF 1312) #
    • IAG Savings and Retirement Plan (RIF 1553) #

    La Capitale Insurance and Financial Services Inc.

    • Pan-Canadian (RIF 1587) #

    London Life Insurance Company

    • London Life Estate Protection Segregated Funds (RIF 1674)
    • London Life Group (RIF 1660) #
    • London Life Guarenteed Interest RIF (RIF 1558)
    • London Life Marketfund (RIF 236)
    • London Life Segregated (RIF 1525) #
    • London Life Preferred Series 2 (RIF 1570) #

    The Manufacturers Life Insurance Company

    • Commercial Union Segregated Fund (RIF 1153)
    • Lifestyle RIF (RIF 194)
    • Manulife Ideal Segregated Funds (Classic) (RIF 1648) # 
    • Manulife Ideal Segregated Funds Signature 2.0 and Manulife Ideal Signature Select (RIF 1649) #
    • Manulife Ideal Segregated Funds Signature Series (RIF 1656) #
    • Manulife Investment Guaranteed Interest Contract (RIF 1291)
    • Manulife Investments Guaranteed Investment Funds & Guaranteed Investment Funds encore (RIF 1026)
    • Manulife Investments Guaranteed Investment Funds Capital Accumulator Plan (CAP) (RIF 1395) #
    • Manulife Investments Guaranteed Investment Funds Investment Account (MLIA) (RIF 815) #
    • Manulife Investments Guaranteed Investment Funds Investment Portfolio (MLIP) (RIF 986) #
    • Manulife Investments Guaranteed Investment Funds Select (original) (RIF 1436)
    • Manulife Investments Guaranteed Investment Funds Select (RIF 1517)
    • Manulife Pension Builder (RIF 1556)
    • Manulife Portfolio (RIF 1658) #
    • Manulife Private Investment Pools-MPIP (RIF 1627)
    • Manulife RetirementPlus (RIF 1604)
    • Maritime Life Elite Portfolio Elite Portfolio (RIF 1316) #
    • Maritime Life Synchrony Funds (RIF 1159) #
    • Royal & Sun Alliance Segregated Funds (RIF 852) #
    • Royal and Sun Alliance Financial (RIF 1211) #
    • Vista (RIF 648)
    • Zurich WealthGuard Segregated Funds (RIF 1185)

    The Prudential Insurance Company of America
    (see London Life Insurance Company)

    Primerica Life Insurance Company of Canada

    • Common Sense Funds (RIF 1267) #

    RBC Life Insurance Company

    • RBC Insurance Guaranteed Investment Funds RIF #

    SSQ Life Insurance Company

    • SSQ LIF (RIF 136) #
    • SSQ LIF (RIF 1496) #

    The Standard Life Assurance Company of Canada

    • Standard Life Group Life Income Fund (RIF 1251) #

    Sun Life Assurance Company

    • Canadian Dental Association (RIF 1318)
    • Group Retirement (RIF 1104)
    • Group Retirement Services (RIF 1216)
    • Income Master (RIF 1435) #
    • Sun Guaranteed Investment Fund (GIF) Solutions (RIF 1639) #
    • Sun Life Financial Trust Inc. (RIF 1497) #
    • Sun Life SLF Investments (RIF 1583) #
    • Sun Lifetime Advantage Guaranteed Investment Fund (GIF) (RIF 1642) #
    • Sun Protect Guaranteed Investment Fund (GIF) (RIF 1644) #
    • Sun Spectrum Interest Account (RIF 1320) #
    • SunWise Essential Series 2 Segregated Funds (RIF 1581) #
    • SunWise Essential Series Segregated Funds (RIF 1541) #

     
    Transamerica Life Canada

    • AIC Segregated Funds (RIF 1157) #
    • BPI Legacy Funds (RIF 1105) #
    • CI Guaranteed Funds (RIF 1166) #
    • TD Guaranteed Investment Funds II (RIF 1215) #
    • Transamerica Guaranteed Investment Funds (RIF 1520) #
    • Transamerica Investment Portfolio (RIF 1258) #
    • Transamerica Investment Portfolio Grow Safe (RIF 828) #
    • Transamerica Investment Portfolio Grow Safe 2 (RIF 1002) #
    • Transamerica Investment Portfolio II (RIF 1319) #
    • Transpac Contract (RIF 1522) #


    Other

    League Savings & Mortgage Company

    •  League Savings & Mortgage RIF #

    # Approved for Temporary Income Provision

    NSPA RC Image
    Orange ClockFor More Information

    Mailing Address:
    Finance and Treasury Board
    Pension Regulation Division
    PO Box 2531
    Halifax, NS  B3J 3N5

    Phone: 902-424-8915, weekdays 8:30 - 4:30.
    Fax: 902-424-5327
    Email: 
    novascotia.ca

    Courier:
    Finance and Treasury Board
    Pension Regulation Division
    1723 Hollis St, 4th Floor
    Halifax, NS  B3J 1V9