Segregated funds are an essential tool for estate planning and capital protection. We recommend them to clients for three reasons: First, they can help bypass probate and facilitate the transfer of assets to named beneficiaries. Second, they offer a guaranteed minimum death benefit, ensuring that loved ones are taken care of, even if the fund value has fallen. Finally, they provide capital protection in case of market downturns. With segregated funds, clients can enjoy a unique combination of protection, growth potential, and peace of mind.