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 | Benefits of Manulife Segregated Funds
Manulife’s GIF & GIF encore are segregated fund products that offer you the growth potential of mutual funds, with the following additional benefits:
| Investment Protection With A Minimum 100% Death Benefit Guarantee |
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Your GIF and GIF encore investment provides the higher of a 100 percent guarantee (proportionately reduced for withdrawals) upon death or the current market value. The features of the guarantee depend on the product chosen. See the product pages for specific features of GIF & GIF encore.
| Protection Of Your Deposit From Market Volatility | |
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For Series 2 funds, 75 percent of what you deposit (proportionately reduced for withdrawals) is guaranteed at maturity (usually 10 years) to help protect you against severe market downturns, in addition to your minimum 100 percent death benefit guarantee. You will also benefit from any capital growth of your investment.
| Opportunities To Lock-in Investment Gains |
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There are two ways to lock in investment gains, depending an which product is chosen.
GIF allows client-initiated resets that affect both the maturity and death benefit guarantee simultaneously. Resets extend the maturity date 10 years from the reset date.
GIF encore has annual automatic resets of the death benefit guarantee only. Resets are done on the policy anniversary date and are calculated on a "best of" three factors basis.
| Unlimited Growth Potential and Fund Choice | |
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Manulife has carefully selected some of Canada’s top-performing investment funds to ensure that you have excellent potential for investment growth.
With GIF & GIF encore, you have access to an excellent selection of industry-leading funds from well respected fund managers -- each of which is subject to Manulife’s strict selection and review process, i-Watch™.
GIF & GIF encore include a selection of funds from many different asset classes, plus index funds and Simplicity™ portfolios -- all managed by top fund managers. Our fund line-up will suit any investor, from the most risk-tolerant to the most risk-averse.
| Ability To Switch Between Funds and Fund Families Free Of Charge |
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With GIF & GIF encore you can switch among funds and fund managers -- fee-free -- up to five times per year.
| Potential For Creditor Protection | |
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Your GIF & GIF encore investment has the potential to be protected from creditors. This can be a particularly valuable feature if you are a business owner.
| Waived Probate And Administration Fees Upon Death |
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The proceeds of your GIF or GIF encore investment bypass probate, and go directly to your named beneficiaries upon your death -- without the delays and expense of probate and administration fees. This can mean significant savings of both time and money.
| Access To Expert Advice | |
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Your GIF & GIF encore investment is only available through professional advisors who are licensed to sell both financial and insurance products. We pride ourselves on the caliber of our advisors. Their training in financial services, as well as estate and tax planning, makes them uniquely qualified to give you expert financial advice -- helping you monitor your investments and make periodic adjustments to your portfolio to ensure that you reach your financial goals.
| Access To Award-winning Statements | |
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Our statements have been rated number one in the industry. By conducting research with clients like you across Canada, we were able to develop a statement that provides a comprehensive and easy-to-read status report on your investment. Providing a clear view of the key information you want to see makes each statement a great financial planning tool, helping to ensure that your investment mix continues to match your investment style and objectives. | |
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