InvestmentPlus Program

InvestmentPlus Overview

InvestmentPlus is an investment solution that can help build and protect wealth. InvestmentPlus offers:

Family of award–winning funds

You have a broad choice of over 80 investment funds – many with top industry awards. You have access to a number of Canada’s top fund managers through a full spectrum of funds in various asset classes ranging from our unique Manulife Advantage GIF Select Fund to specialty equity funds. The fund Management Expense Ratios (MERs) are also competitive with most mutual funds.


You have the ability to move between funds and fund managers should your needs or preferences change1.

Creditor protection

InvestmentPlus has the potential to protect your assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability.

Estate benefits

In the event of death, the proceeds of the contract have the ability to pass privately2 and directly to your designated beneficiaries, without the time delay and expense of probate.

Investment flexibility

As your needs change, you have the ability to move into the IncomePlus Series to help meet your retirement income needs, or the EstatePlus Series to help protect your legacy for beneficiaries3.

1 Moving across sales charge options may incur charges. Withdrawals, fund switches or switching investment Series may result in tax consequences.

2 Probate is not applicable in Quebec. In Saskatchewan, jointly held property and insurance policies with a named beneficiary are included on the application for probate despite the fact that these assets do not flow through the estate and are not subject to probate fees.

3 When moving to a new Series, new product information, forms and signatures are required.

  This information applies only to GIF Select contracts sold on or after October 5, 2009. Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value.


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