Segregated Mutual Funds
"Seg" funds are available through life insurance companies that provide guarantee of principle and invest your capital in a specified portfolio that is designated by your "needs analysis".
1. Protection/Guarantee of Principle options that provides the estate with the higher of the original or market amount.
2. Creditor Protection. Life insurance contracts cannot be touched if owner is sued.
3. Beneficiaries receive payment directly from the life insurance company. This bypasses the will and there are no probate fees.
I have many very satisfied clients that have invested this way with various insurance companies that I work with.