PRODUCTS & FUNDS AT A GLANCE Including the Fund Name and Number Guide – Effective October 18, 2010 FOR GIF SELECT CONTRACTS SOLD ON OR AFTER OCTOBER 5TH, 2009 THE MANUFACTURERS LIFE INSURANCE COMPANY FEATURING INVESTMENTPLUS ™ , INCOMEPLUS ® AND ESTATEPLUS ™
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Featuring investmentPlus , incomePlus and estatePlus · 2 Manulife Investments GIF Select at a Glance GiF Select is unlike any other investment product currently offered in Canada.
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PRODUCTS & FUNDS AT A GLANCE
Including the Fund Name and Number Guide – Effective October 18, 2010
for gif select contracts sold on or after october 5th, 2009
T h E M A N U F A C T U R E R S L i F E i N S U R A N C E C O M P A N y
Featuring investmentPlus™, incomePlus® and estatePlus™
2 Manulife Investments
GIF Select at a Glance
GiF Select is unlike any other investment product currently offered in Canada.
With GIF Select, we’ve bundled together the best features to address key client
needs into three unique Series, all within one contract. Clients also have access to
an industry-leading selection of award-winning investment funds from many of
Canada’s top fund managers.
InvestmentPlus offers the most robust fund line-up of the three Series for investment flexibility through a broad selection of funds
IncomePlus can help provide predictable, sustainable, and potentially increasing retirement income for life as early as age 55
EstatePlus helps investors protect their legacy for beneficiaries
GiF Select
investmentPlus SeriesAccumulation
incomePlus Seriesincome for Life
EstatePlus SeriesEstate Protection
GiF SELECT: OFFERiNG A LiFETiME OF PROTECTiON FOR yOUR FUTURE
Wealth Builders
(34-44)
Wealth Accumulators/Accelerators
(45-64)
Wealth Preservers(65+)
Accumulation Industry-leading Fund SelectioninvestmentPlus
income Protection Lifetime Income ProtectionincomePlus
Estate Protection 100% Death Benefit GuaranteeEstatePlus
2 Manulife Investments GIF Select Products & Funds at a Glance 3
One Contract – Three Unique Investment Series
FEATURES COMMON TO ALL SERiES WiThiN GiF SELECT
FEATURE ALL SERiES WiThiN GiF SELECT
Ability to bypass estate costs (e.g. probate) ✔
Potential for creditor protection ✔
Waiving redemption fees upon death ✔
Fund MERs Same across all Series
Fund Minimums $500 per fund per sales charge option
$5,000 minimum for Manulife Dollar Cost Averaging (DCA) Advantage GIF Select Fund
$100,000 for Elite Pricing1
Subsequent deposit minimums Minimum $500 per fund per sales charge option to existing funds
PAC Deposits Minimum $100 per fund per sales charge option once contract minimums are reached
Withdrawals2 Ad hoc: $500 minimum per fund per sales charge option
Scheduled: $100 minimum a month per fund per sales charge option
Fund Switches2 Ad hoc: $500 minimum per fund per sales charge option
Scheduled: $100 minimum a month per fund per sales charge option
Five free switches per calendar year
Switches from Manulife DCA Advantage GIF Select Fund to the Manulife Advantage Fund are not allowed
Switches between funds within a Series and within the same sales charge option do not affect any of the guarantees
Maximum deposits Contact head office for deposits that will cause the market value to be greater than $1,000,000
Maturity Guarantee 75% of deposit value to the applicable Series, reduced proportionally by withdrawals
Available on December 31st of the annuitant’s 100th year or earlier where required by legislation
1 Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations. 2 Withdrawals, fund switches or switching investment Series may result in tax consequences.
MAxiMUM AGE TO DEPOSiT1 By SERiES
AGE2 INVESTMENTPLUS INCOMEPLUS ESTATEPLUS
Up to 80 Any funds Any funds
80 – 90
Any funds. Deposits after December 31st in the year
the annuitant turns age 80 will be restricted to Front-end (FE) and Low-load (LL) sales charge options
Deposits not allowed
Over 90 Deposits not allowed
1 Age 71 for locked-in plans in jurisdictions that require annuitization at age 80 or latest age to own under the Income Tax Act (Canada) for RRSPs, RLSP, LIRA, LIF.2 Age of annuitant, or older of annuitant and Joint Life (if applicable) as of December 31st of that year.
For giF select contracts sold on or after october 5th, 2009
4 Manulife Investments
F-class Elite Sales Charge OptionFUND NAME MER (%) BE LL FE MER (%) F-class* MER (%) BE LL FECANADiAN MONEy MARKET MGF
Death Benefit Guarantee (DBG) 75% of deposit value, reduced proportionally by withdrawals
Reset N/A
Additional Guarantee Fees No annual fee outside of the fund MER
Initial deposit minimum $2,500 or $100 monthly PAC; $1,000,000 for Elite Pricing1
Maximum age to deposit2 No deposits after December 31st in the year the annuitant turns age 90 Deposits after December 31st in the year the annuitant turns age 80 will be restricted to Front-end (FE) and Low-load (LL) sales charge options
Switching investment Series3 Switches are allowed from InvestmentPlus to IncomePlus or EstatePlus (if annuitant is under maximum age to deposit)
When moving to a new Series, i.e. to IncomePlus or EstatePlus, from InvestmentPlus, additional point-of-sale materials and client signatures are required
1 Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations.2 Age 71 for locked-in plans in jurisdictions that require annuitization at age 80 or latest age to own under the Income Tax Act (Canada) for RRSPs, RLSP, LIRA, LIF.3 Withdrawals, fund switches or switching investment Series may result in tax consequences.
InvestmentPlus
iNvESTMENTPLUS FUND NAME & NUMBER GUiDE – OCTOBER 18, 2010
For giF select contracts sold on or after october 5th, 2009
4 Manulife Investments GIF Select Products & Funds at a Glance 5
F-class Elite Sales Charge OptionFUND NAME MER (%) BE LL FE MER (%) F-class* MER (%) BE LL FEGlobal Neutral Balanced Manulife CI Cambridge Bundle GIF Select 2.75 8154 8254 8054 1.75 6054 2.10 9254 9354 8654
The MERs provided include GST only. Actual MERs will be impacted by any applicable HST. * F-class is only available for fee-based programs where contracts are held in Nominee or Intermediary Name
For giF select contracts sold on or after october 5th, 2009
6 Manulife Investments
FEATURE iNCOME PROTECTiON
Death Benefit Guarantee (DBG) 100% of deposit value, reduced proportionally by withdrawals
Guaranteed Withdrawal Benefit (GWB) Benefit Base
Initially set to 100% of deposit value, usually increases with net additional deposits, and is reduced pro-portionally for withdrawals exceeding the Lifetime Withdrawal Amount (LWA) or for withdrawals taken prior to the Election of LWA
Lifetime Withdrawal Amount (LWA) Payout Options
Single Life Payout Option
Available as early as January 1st in the year the annuitant is age 55
Joint Life Payout Option1
Based on the lives of the annuitant and Joint Life
Available as early as January 1st in the year the younger spouse is 55
LWA Payout Percentage (annually)2
Single Life Payout Option Joint Life Payout Option1
Age 55-64 = 4% Age 55-64 = 3.5%
Age 65-74 = 5% Age 65-74 = 4.5%
Age 75 and older = 6% Age 75 and older = 5.5%
Guaranteed Withdrawal Benefit (GWB) Bonus (also referred to as income bonus)
Increase to GWB Benefit Base in each year that IncomePlus Series funds are held, if no withdrawals are taken. Available for the life of the contract
Increase is equal to 5% of GWB Bonus Base
Income bonuses are not cash deposits; they increase the basis for calculating guaranteed income
Reset Automatic reset of the DBG, GWB Benefit Base and the GWB Bonus Base to the market value, if higher, every third anniversary3
Additional Guarantee Fees No fees paid in first calendar year
Fees range from 0.35% to 0.85% per year
The IncomePlus Fee is charged at the beginning of the calendar year and calculated using a formula involving a proportional weighting of funds, the risk level of the funds, and the GWB Benefit Base at the end of the previous year
Initial deposit minimum $25,000 or $1,000,000 for Elite Pricing4
Maximum age to deposit5 Single Life Payout Option
No deposits after December 31st in the year the annuitant turns age 80
Joint Life Payout Option1
No deposits after December 31st in the year the older spouse turns age 80
Switching investment Series Switches to other investment Series are not allowed
1 The Joint Life must be the spouse or common-law partner (as defined in the Income Tax Act (Canada)) of the annuitant. Once named, the Joint Life cannot be changed.2 Age of annuitant, or younger of annuitant and Joint Life (if applicable) as of December 31st of the year election takes place.3 The last Death Benefit Guarantee reset is on the annuitant’s 80th birthday. GWB Benefit Base and GWB Bonus Base resets are available until contract maturity.4 Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations.5 Age 71 for locked-in plans in jurisdictions that require annuitization at age 80 or latest age to own under the Income Tax Act (Canada) for RRSPs, RLSP, LIRA, LIF.
IncomePlusFor giF select contracts sold on or after october 5th, 2009
6 Manulife Investments GIF Select Products & Funds at a Glance 7
iNCOMEPLUS FUND NAME & NUMBER GUiDE – OCTOBER 18, 2010
The MERs provided include GST only. Actual MERs will be impacted by any applicable HST. * F-class is only available for fee-based programs where contracts are held in Nominee or Intermediary Name
For giF select contracts sold on or after october 5th, 2009
8 Manulife Investments
FEATURE ESTATE PRESERvATiON
Death Benefit Guarantee (DBG) 100% of deposit value, reduced proportionally by withdrawals
Reset Automatic reset of the DBG to the market value, if higher, every third anniversary1
Additional Guarantee Fees No fees paid in first calendar year Fees range from 0.15% to 0.45% per year The EstatePlus Fee is charged at the beginning of the calendar year and calculated using a formula involving a proportional weighting of funds, the risk level of the funds, and the Death Benefit Guarantee at the end of the previous year
Initial deposit minimum $10,000 or $1,000,000 for Elite Pricing2
Maximum age to deposit3 No deposits after December 31st in the year the annuitant turns age 80
Switching investment Series Switches to other investment Series are not allowed
1 The last Death Benefit Guarantee reset is on the annuitant’s 80th birthday.2 Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations.3 Age 71 for locked-in plans in jurisdictions that require annuitization at age 80 or latest age to own under the Income Tax Act (Canada) for RRSPs, RLSP, LIRA, LIF.
EstatePlusFor giF select contracts sold on or after october 5th, 2009
8 Manulife Investments GIF Select Products & Funds at a Glance 9
Manulife Simplicity Conservative Portfolio GIF Select 2.07 2 0.25 8901 9001 8801 1.07 6201 1.59 9601 9701 9101Manulife Simplicity Moderate Portfolio GIF Select 2.22 2 0.25 8902 9002 8802 1.22 6202 1.63 9602 9702 9102Manulife Simplicity Income Portfolio GIF Select 2.28 3 0.35 8903 9003 8803 1.28 6203 1.68 9603 9703 9103Manulife Simplicity Balanced Portfolio GIF Select 2.54 3 0.35 8904 9004 8804 1.54 6204 1.78 9604 9704 9104Manulife Simplicity Global Balanced Portfolio GIF Select 2.67 4 0.45 8907 9007 8807 1.67 6207 1.94 9607 9707 9107Manulife Simplicity Growth Portfolio GIF Select 2.63 4 0.45 8905 9005 8805 1.63 6205 1.88 9605 9705 9105FUNDS ARE CLOSED TO NEW DEPOSiTS AND SWiTChES iN, AND WiLL BE TERMiNATED ON NOvEMBER 19, 2010
Manulife Core Balanced GIF Select 2.52 4 0.45 8923 9023 8823 n/a n/a 1.79 n/a n/a 9123 The MERs provided include GST only. Actual MERs will be impacted by any applicable HST. * F-class is only available for fee-based programs where contracts are held in Nominee or Intermediary Name
ESTATEPLUS FUND NAME & NUMBER GUiDE – OCTOBER 18, 2010
For giF select contracts sold on or after october 5th, 2009
10 Manulife Investments
For giF select contracts sold on or after october 5th, 2009
GIF Select Sales Charge Schedule (%)
Fees for redemptions made during the first few years following the date of deposit
Fund Category Back-end
Back-end Elite **
Low-load
Low-load Elite **
Front-end, Front-end Elite**
and F-class
Money Market Fund
(excludes the Manulife Dollar-Cost
Averaging GIF Select Fund)
Year 1 - 1.50
Year 2 - 1.50
Year 3 - 1.50
Year 4 - 1.00
Year 5 - 1.00
Year 6 - 1.00
Year 7 - 0.50
Year 8 and after - 0
Year 1 - 1.00
Year 2 - 0.50
Year 3 - 0.50
Year 4 and after - 0
N/A
All Other Funds
(Bond, Dividend, Asset Allocation,
Balanced, Equity Funds
and Manulife Dollar-Cost
Averaging GIF Select Fund)
Year 1 - 5.50
Year 2 - 5.00
Year 3 - 5.00
Year 4 - 4.00
Year 5 - 4.00
Year 6 - 3.00
Year 7 - 2.00
Year 8 and after - 0
Year 1 - 2.50
Year 2 - 2.00
Year 3 - 1.50
Year 4 and after - 0
N/A
** Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations. Please contact the Manulife Investments Customer Service Centre for these requests; all provinces 1 888 790 4387, Quebec 1 800 355 6776.
10 Manulife Investments
1At March 31st, 2010
Manulife Investments, a division of Manulife Financial, is a leading provider of personal wealth management solutions to Canadians. With over $41.5 billion in funds under management1, Manulife Investments benefits from strong Canadian roots and the growing global presence of Manulife Financial. Clients can look to Manulife Financial for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions.
Why Manulife
Today more than one in five Canadians are served
by Manulife’s leading businesses that provide
individual life and health insurance, wealth
management, banking, group benefits, group
savings plans, plus services to alumni and
professional associations across the country.
FiNANCiAL STRENGTh
Funds under management by Manulife Financial and its subsidiaries are over Cdn$446 billion1
Helping Canadians and investors around the world achieve their financial objectives through sound corporate investing
Strong presence in the international financial community
hiGhLy REGARDED
Track record of growth, leading corporate governance practices and strong management teams
Exceptional performance over time, led by continued focus on organic growth and opportunistic acquisitions
Holds among the highest ratings of all agencies
Is the largest insurance company in Canada
120 year history in Canada
Manulife was incorporated in 1887 with Sir John A. Macdonald, Canada’s first Prime Minister, as President
GIF Select Sales Charge Schedule (%)
Fees for redemptions made during the first few years following the date of deposit
Fund Category Back-end
Back-end Elite **
Low-load
Low-load Elite **
Front-end, Front-end Elite**
and F-class
Money Market Fund
(excludes the Manulife Dollar-Cost
Averaging GIF Select Fund)
Year 1 - 1.50
Year 2 - 1.50
Year 3 - 1.50
Year 4 - 1.00
Year 5 - 1.00
Year 6 - 1.00
Year 7 - 0.50
Year 8 and after - 0
Year 1 - 1.00
Year 2 - 0.50
Year 3 - 0.50
Year 4 and after - 0
N/A
All Other Funds
(Bond, Dividend, Asset Allocation,
Balanced, Equity Funds
and Manulife Dollar-Cost
Averaging GIF Select Fund)
Year 1 - 5.50
Year 2 - 5.00
Year 3 - 5.00
Year 4 - 4.00
Year 5 - 4.00
Year 6 - 3.00
Year 7 - 2.00
Year 8 and after - 0
Year 1 - 2.50
Year 2 - 2.00
Year 3 - 1.50
Year 4 and after - 0
N/A
** Elite Pricing deposits of $1,000,000 or more receive a reduced MER. Minimum investment amounts for Elite Pricing can be met by combining investments in certain situations. Please contact the Manulife Investments Customer Service Centre for these requests; all provinces 1 888 790 4387, Quebec 1 800 355 6776.
12 Manulife Investments
FOR ADVISOR USE ONLYThe Manufacturers Life Insurance Company is the issuer of the Manulife GIF Select insurance contract which offers the IncomePlus, EstatePlus and InvestmentPlus Series and the guarantor of any guarantee provisions therein. Manulife Investments is the brand name identifying the personal wealth management lines of business offered by Manulife Financial and its subsidiaries in Canada. As one of Canada’s largest integrated financial services providers, Manulife Investments offer a variety of products and services including: segregated fund contracts, mutual funds, and annuities and guaranteed interest contracts. Exceeding the withdrawal thresholds and/or withdrawals taken prior to the Election of LWA (Lifetime Withdrawal Amount) may have a negative impact on future income payments. Age restrictions and other conditions may apply. Manulife, Manulife Investments, the Manulife Investments For Your Future logo, GIF Select IncomePlus, EstatePlus, InvestmentPlus and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. MK2281E PUBLIC 10/10 TMK774E
STRONG RELIABLE TRUSTWORTHY FORWARD-THINKING
FOR MORE iNFORMATiON, PLEASE CONTACT yOUR MANULiFE iNvESTMENTS SALES TEAM OR viSiT MANULiFEGiFSELECT.CA