GIF Select InvestmentPlus®
Featuring Segregated Funds and Guaranteed Interest Accounts. GIF Select InvestmentPlus is an attractively priced wealth-building and wealth-protection solution with potential creditor protection and estate planning advantages.
With access to a wide range of funds, competitive MERs and segregated fund benefits, GIF Select InvestmentPlus is a simple yet robust solution designed to help accumulate wealth by providing access to a broad range of investment funds. It offers these benefits:
Comprehensive selection of segregated funds
Choose from carefully selected funds and portfolios in various asset categories from fixed income to specialty equity. Learn more about asset allocation portfolios and global thematic investing options.
Choice of guaranteed interest accounts
With no exposure to the markets, the Guaranteed Interest Accounts (GIAs) and Daily Interest Account (DIA) can safeguard your investment with guaranteed interest rates. Select from a range of terms to meet your needs. Get more details about GIAs.
You can move between segregated funds and fund managers, should your needs or preferences change. You can also access your segregated fund, GIA or DIA savings at any time. Finally, you can easily move between segregated funds and GIAs or DIA.1
Guarantees and fees
- Maturity guarantee: On the contract maturity date, investors are guaranteed to receive 75% of all deposits made to segregated funds (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 of the segregated funds or the death benefit guarantee (75% of all deposits made to segregated funds, reduced proportionally by withdrawals).
- No annual fee outside of the fund MER.
- Withdrawals from segregated funds proportionally decrease maturity and death benefit guarantees.
Estate planning benefits
At death, contract proceeds can pass quickly and privately2 to designated beneficiaries (other than an estate), without legal, estate administration, and probate3 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 creditors.
Explore the investment options
Explore our segregated funds
Explore our GIA rates
1 Moving across sales charge options may incur charges. Withdrawals, fund switches, and/or transfers between investment options may be subject to fees and charges, result in tax consequences, and impact segregated fund guarantees. 2 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 The probate process and fees do not apply in Quebec. There is a verification process for non-notarial wills but not for notarial wills.
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.