GIF Select InvestmentPlus®

GIF Select InvestmentPlus is an attractively priced wealth-building solution with potential creditor protection and estate planning advantages.

InvestmentPlus combines these key features and benefits to help build and protect wealth

Comprehensive selection of investment funds

Choose from carefully selected funds and portfolios in various asset classes, from fixed income to specialty equity. Learn more about asset allocation portfolios and global thematic investing options.

Guarantees and fees

  • Maturity guarantee: On the contract maturity date, investors are guaranteed to receive 75% of all deposits made (reduced proportionally by withdrawals), even after market downturns.
  • Death benefit guarantee: At the time of death of the last surviving annuitant, beneficiaries or the estate is guaranteed to receive the greater of the market value or the death benefit guarantee (75% of all deposits made, reduced proportionally by withdrawals).
  • No annual fee outside of the fund MER.
  • Withdrawals proportionally decrease maturity and death benefit guarantees.

Flexibility

Investors can move between funds and fund managers as needs or preferences change,¹ and they can access savings at any time (fees may apply).

Estate planning benefits

At death, contract proceeds can pass quickly and privately³ to designated beneficiaries (other than an estate), without legal, estate administration, and probate² fees. Find out more about estate planning advantages.

Potential creditor protection

This feature may be attractive to professionals and small business owners interested in protecting personal assets from professional liability.


Explore our segregated funds


Related materials

1 Moving across sales charge options may incur charges.  Withdrawals or fund switches may  result  in  tax  consequences. 2 Probate does not apply in Quebec. 3 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.

The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. Manulife Investment Management is a trade name of Manulife.