Are your assets protected from creditors?

Legislation exists at both the federal and provincial level to protect your investments from creditors.  Some offer strong protection, while others provide protection with conditions or limitations. Click here to read more.

Manulife GIF Select EstatePlus

EstatePlus is a highly effective estate planning solution that can help you provide for your family and loved ones and help ensure that your estate is protected.

Features and Benefits of EstatePlus:

100% Death Benefit Guarantee - With EstatePlus, you receive a 100% Death Benefit Guarantee. This means your beneficiaries are guaranteed to receive 100% of your deposits to the EstatePlus Series – reduced proportionally for withdrawals – even if there are market downturns.

Estate benefits – In the event of death, the proceeds of the contract can privately1 pass directly to designated beneficiaries, without the time delay and expense of probate.

Fund selection – You have a broad choice of over 40 investment funds from many of Canada’s top fund managers. EstatePlus offers a range of assets classes with a variety of fixed income and balanced funds, asset allocation portfolios and fund bundles.

Creditor protection – EstatePlus has the potential to protect your assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability.

Flexibility – Should you need to, you can access your savings at any time (fees may apply).

For more information about Manulife GIF Select EstatePlus, please contact us.
 

1 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.

Manulife GIF Select InvestmentPlus

InvestmentPlus, as part of GIF Select, can offer long-term growth potential and basic protection. It is an attractive solution for investors seeking an industry-leading selection of award winning investment funds from top fund managers with the added benefit of basic protection features only available through a segregated fund contract.

InvestmentPlus can provide:

Award-winning funds - You can choose from among more than 80 carefully selected funds - many with top industry awards. InvestmentPlus offers a full spectrum of funds in various asset classes, from fixed income to specialty equity. Plus you have access to many of Canada’s quality fund managers.

Flexibility - You have the ability to move between funds and fund managers in the InvestmentPlus Series, should your needs or preferences change1.

Creditor protection – InvestmentPlus has the potential to protect your assets from creditors. This feature is ideal for professionals and small business owners looking to help protect their personal assets from professional liability.

Estate benefits – In the event of your death, the proceeds of your contract have the ability to pass quickly and privately2 to your designated beneficiaries, without the time delay and expense of probate.

For more information, please click here or contact us.

1 Moving across sales charge options may incur charges. Withdrawals, fund switches or switching investment Series may result in tax consequences.
2 Except in Saskatchewan.

The Manufacturers Life Insurance Company is the issuer of the Manulife GIF Select insurance contract which offers the EstatePlus and InvestmentPlus Series and the guarantor of any guarantee provisions therein.

Manulife Segregated Fund RESP

Helping to fund a child’s post-secondary education is one of the most important investments you can make in their future, especially in today’s competitive environment where a good education is crucial to success. Yet, with the rising cost of tuition fees and living expenses, personal savings alone may not be enough to cover the cost of higher education.

The Manulife Segregated Fund RESP is a new investment solution to help you save for a future post-secondary education need.

What you should know:

  • A Registered Education Savings Plan (RESP)  is a flexible and convenient way to save for a child’s future post-secondary education
  • Government grants and incentives may be available to qualified Student Beneficiaries to help RESP savings grow
  • Investment income generated in an RESP is tax-sheltered as long as it remains in the plan
  • When withdrawn, plan growth and government grants can be taxed at the student’s tax rate (he or she could pay little or no tax on this money)
  • There is no annual contribution limit with an RESP, but the lifetime maximum is $50,000 per Student Beneficiary
  • Anyone can open an RESP – parents, guardians, grandparents, other relatives, or friends
  • Individuals can also purchase an RESP for themselves for future post-secondary education needs
  • A segregated fund contract offers unique protection features, including death benefit and maturity guarantees

Please feel free to contact us to learn more about RESPs and get more information on the government incentives and grants available.

The Manufacturers Life Insurance Company is the issuer of the Manulife Segregated Fund Education Savings Plan insurance contract and the guarantor of any guarantee provisions therein.

MPIP Segregated Pools

The Manulife Private Investment Pools (MPIP) program is an exclusive wealth management initiative with the comprehensive resources needed to fulfill your distinct preferences and priorities. It’s where you’ll find the vision, innovation, value, expertise, service and integrity that you expect and require to answer your sophisticated investment objectives and goals.

To learn more, please click here or contact us.

*The MPIP Segregated Pools insurance contract is offered by The Manufacturers Life Insurance Company.