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our French An Question 19 pand Darry powing with his wife insurance agent investment options for his defined contration perision plan and wonders how they might compare with those of his BSP How should Darry's agent advise him? segregated funds do not offer creditor protection within the group plan. al Segregatest funds do not offer creditor protection within the individual plan. The management expense ratios in the group plan are lower The marupenent expense ratios in the individual plan are lower due to enhanced investment options Page 19 of 35