LIF, LRIF, RLIF, and PRIF options may also be available.¹ Retirement income options from Manulife Investment Management offer very competitive rates and 30-day rate guarantees. In addition, a Manulife Investments GIC provides insurance company benefits, such as the ability to pass on money tax free to beneficiaries and potential creditor protection. A large case program² is also available for investors with GIC assets of $500,000 or more.

Three investment options are available:

1. Basic GIC Account (cashable)
2. Laddered GIC account
3. Daily interest account

Our retirement income options provide:

• Flexible options for payment frequency, payment amounts, withdrawal order, and withholding tax
• The ability to change payout options as needed
• A charge-free withdrawal option in order to access funds in the event of emergency or another investment opportunity
• Automatic payments conveniently deposited directly to a bank account

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