GIF Select

ESTATEPLUS OVERVIEW

For many of us, planning for retirement also means thinking about the legacy we leave behind GIF Select EstatePlus can help protect your financial legacy.

By combining the long term growth potential of investment funds and the protection benefits of a GIF Select segregated fund contract, EstatePlus helps investors establish and protect a financial legacy that can benefit family and loved ones.

FEATURES AND BENEFITS OF ESTATEPLUS:

100% DEATH BENEFIT GUARANTEE

With EstatePlus, you receive a 100% Death Benefit Guarantee. This means your beneficiaries are guaranteed to receive 100% of your deposits to the EstatePlus Series  reduced proportionally for withdrawals  even if there are market downturns.

RESETS

Death Benefit Guarantee resets provide the potential for you to grow the amount of the legacy you leave to beneficiaries. Resets work to capture market appreciation and help increase the payout to your family and loved ones. When the market value is higher than the previous guarantee, you can potentially see your Death Benefit Guarantee increase with the growth in the markets. Resets are automatic and occur every three years on the EstatePlus Anniversary Date, with a final reset on the annuitant’s 80th birthday.

CREDITOR PROTECTION

EstatePlus 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.

ABILITY TO BYPASS PROBATE

In the event of death, the proceeds of your contract can privately1 pass directly to your designated beneficiaries, without the delay and expense of probate.

FUND SELECTION

You have a broad choice of over 40 investment funds from many of Canada’s top fund managers.

FLEXIBILITY

You have the ability to move between funds and fund managers should your needs or preferences changes. And should you need to, you can also access your savings at any time.


 

INCOMEPLUS PROGRAM

INCOMEPLUS OVERVIEW

A SOLUTION TO HELP MANAGE THE CONCERNS AND CHALLENGES YOU HAVE FOR RETIREMENT – INCOMEPLUS

  • Predictable income guaranteed not to decrease no matter how investments perform
  • Sustainable income that will last for your life or the lives of you and your spouse
  • Flexible guaranteed income options to suit your retirement income needs
  • Potentially increasing guaranteed income to help keep pace with inflation
  • The ability to change your investment or access your savings at any time (fees may apply)
  • Tax efficient income when held in a non registered account
  • Benefits that help ensure the smooth transition of your estate
  • Potential creditor protection

INCOME BONUS TO INCREASE GUARANTEED PAYMENTS

IncomePlus provides an annual five per cent income bonus available in any year no withdrawals are taken.


 

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.

FLEXIBILITY

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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