Rate guarantees

To protect against falling rates, 30-day rate guarantees are available on new deposits and reinvestments. In addition, for reinvestment rate guarantees, investorsare eligible to receive a better-of rate, offering potentially better returns.

Large case program

Our large case program offers enhanced rates on new deposits and reinvestments (whole term periods) to investors whose Manulife Investments GIC and Manulife GIF investment account (MLIA) GIA assets total $500,000 or more.

For those who qualify (assets total $500,000 or more), the rate enhancement varies depending on the amount invested. New deposits or reinvestments of $100,000 or more will benefit from better rate enhancements.

Large case rates will also apply to Manulife Investments GIC contracts where the:

  • Same owner has two or more contracts and the total is $500,000 or more
  • Owner has a spouse and their combined contracts total $500,000 or more
  • Combination of Manulife Investments GIC and MLIA GIA totals $500,000 or more
  • Combination of GIAs and segregated funds within the same MLIA contract totals $500,000 or more
  • Combination of corporate and individually owned contracts totals $500,000 or more

Large case GIC enhancements

Once qualified for enhanced rates through Manulife Investments large case program (LCP)¹ (total GIA balance of $500,000 or more), new deposits or reinvestments of $100,000 or more will benefit from better rate enhancements than those less than $100,000. This will allow Manulife Investment Management to be even more competitive on larger deposit sizes.


Amount invested

Tier 1

< $100,000

Tier 2

> or equal to $100,000

To request large case rates, advisors can call the Manulife Investment Management customer service centre at 888-790-4387 (English) or 800-355-6776 (French)

GIC refers to a guaranteed interest contract. GIA refers to a guaranteed investment account.

1 The actual amount of enhancement given on any large case GIC is at the discretion of Manulife Investment Management.