--- title: Genesis UL | Smoothed Return Diversified Account maintained at 3.85% in 2026 description: The credited rate for the Smoothed Return Diversified Account (SRDA) will remain at 3.85% from January 1, 2026 for Genesis universal life insurance policies. image: https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/OG_PROJ-19-6_Hero_INSTANT_IA_EN.jpg --- [![iA-EN](https://iaconnected.ia.ca/hubfs/iAAH/Common/Logos/iA-EN.svg "iA-EN")](https://iaconnected.ia.ca/) [FR](https://linstantia.ia.ca/genesis-9-2026/tags/assurance) # iA CONNECTED Your ongoing source of information. ![Hero\_image\_seul\_Dskp](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/Hero_image_seul_Dskp.jpg) ![Hero\_Instant\_iA\_Modifie\_dsktp](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/Hero_Instant_iA_Modifie_dsktp.jpg) [Home](https://iaconnected.ia.ca/) ### Genesis UL | Smoothed Return Diversified Account maintained at 3.85% in 2026 November 19, 2025 Share with your colleagues | [![iA Groupe financier - Facebook](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-fb.png?width=31&name=ico-fb.png)](https://www.facebook.com/sharer/sharer.php?u=https://iaconnected.ia.ca/genesis-9-2026-eng/tags/insurance) [![iA Groupe financier - Linkedin](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-in.png?width=39&name=ico-in.png)](https://www.linkedin.com/sharing/share-offsite/?url=https://iaconnected.ia.ca/genesis-9-2026-eng/tags/insurance) [mailto:?subject=[Shared%20article]%20Genesis%20UL%20|%20Smoothed%20Return%20Diversified%20Account%20maintained%20at%203.85%%20in%202026&body=I%20recommend%20that%20you%20read%20the%20article%20'Genesis%20UL%20|%20Smoothed%20Return%20Diversified%20Account%20maintained%20at%203.85%%20in%202026'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/genesis-9-2026-eng/tags/insurance](mailto:?subject=[Shared%20article]%20Genesis%20UL%20|%20Smoothed%20Return%20Diversified%20Account%20maintained%20at%203.85%%20in%202026&body=I%20recommend%20that%20you%20read%20the%20article%20'Genesis%20UL%20|%20Smoothed%20Return%20Diversified%20Account%20maintained%20at%203.85%%20in%202026'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/genesis-9-2026-eng/tags/insurance) Genesis UL | Smoothed Return Diversified Account maintained at 3.85% in 2026 1:18 The credited rate for the Smoothed Return Diversified Account (SRDA) will remain at 3.85% from January 1, 2026, for Genesis universal life insurance policies.   | **SRDA Credited Rate** | | --- | | 2025 | **2026** | | --- | --- | | 3.85% | **3.85%** |   The credited rate is based on the declared rate of the SRDA Fund, which remains at 5.10%, less a management fee of 1.25%. The Fund’s declared rate is based on the organization's long-term return expectations as well as the returns of the Fund's assets to which the organization applies a smoothing formula. This formula spreads out the main fluctuations in returns (both positive and negative) and provides a low-volatility credited rate from year to year. The Smoothed Return Diversified Fund document ([F13-1166A](https://iaa.secureweb.inalco.com/cw/-/media/documents-repository/individual-insurance-savings-and-retirement/individual-insurance/2022/03/fund-brochure---srda.pdf)) will be updated and published in March 2026 to include the Fund’s returns and asset mix as of December 31, 2025.   **About the SRDA** The [SRDA](https://iaa.secureweb.inalco.com/cw/-/media/documents-repository/individual-insurance-savings-and-retirement/individual-insurance/2022/03/account-profile---smoothed-return-diversified-account.pdf) is offered as an actively managed investment account with Genesis Universal Life. This account provides an opportunity for clients seeking professional investment management of their policy funds while minimizing the return volatility typically associated with market investments.   Topic : [Insurance](https://iaconnected.ia.ca/tag/insurance) Written by [iA](https://iaconnected.ia.ca/author/ia) [Previous](https://iaconnected.ia.ca/genesis-iris-2026/tags/insurance) [Next](https://iaconnected.ia.ca/e-change-in-evo-web/tags/digital-tools) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Categories - [Assurance (1)](https://iaconnected.ia.ca/tag/assurance) - [Digital evolution (28)](https://iaconnected.ia.ca/tag/digital-evolution) - [Economic news (4)](https://iaconnected.ia.ca/tag/economic-news) - [Insurance (58)](https://iaconnected.ia.ca/tag/insurance) - [Miscellaneous (7)](https://iaconnected.ia.ca/tag/miscellaneous) - [Portfolio Managers (9)](https://iaconnected.ia.ca/tag/portfolio-managers) - [Savings (51)](https://iaconnected.ia.ca/tag/savings) ### Stay informed [![Your tools](https://iaconnected.ia.ca/hubfs/Covid_microsite/en/Button-tools-en.png "Your tools")](https://iaconnected.ia.ca/your-tools) [![Procedures and FAQ](https://iaconnected.ia.ca/hubfs/Covid_microsite/en/Button-PROCEDURES-en.png "Procedures and FAQ")](https://iaconnected.ia.ca/useful-links) ![La compil macro](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2026/WGAM-1-7_Microsite_Playlist_Macro_PPT2_1920x1080_EN.jpg) ### The economic ideas driving the markets! 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