featuring investmentplus , incomeplus and estateplus · 2 manulife investments gif select at a...

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


F-class Elite Sales Charge OptionFUND NAME MER (%) BE LL FE MER (%) F-class* MER (%) BE LL FECANADiAN MONEy MARKET MGF

Manulife Dollar-Cost Averaging Advantage GIF Select 0.00 8114 8214 8014 0.00 6014 n/a n/a n/a n/aLONG TERM CANADiAN MONEy MARKET MGF

Manulife Advantage GIF Select 0.00 8118 8218 8018 0.00 6018 n/a n/a n/a n/aFixED iNCOME MGF

NEW Manulife Bond GIF Select 2.00 8108 8208 8008 1.50 6008 1.50 9208 9308 8608Manulife Canadian Bond Index GIF Select 1.95 8175 8275 8075 1.20 6075 1.20 9275 9375 8675Manulife Corporate Bond GIF Select 2.02 8112 8212 8012 1.53 6012 1.53 9212 9312 8612Manulife Fidelity Canadian Bond GIF Select 2.18 8161 8261 8061 1.68 6061 1.68 9261 9361 8661

NEW Manulife Short-Term Bond GIF Select 1.90 8100 8200 8000 1.40 6000 1.40 9200 9300 8600Manulife Strategic Income GIF Select 2.13 8120 8220 8020 1.63 6020 1.63 9220 9320 8620BALANCED MGF

Canadian Fixed Income BalancedNEW Manulife Leaders Balanced Income Portfolio GIF Select 2.40 8147 8247 8047 1.40 6047 1.65 9247 9347 8647

Manulife Sentinel Income GIF Select (Mackenzie) 2.33 8172 8272 8072 1.33 6072 1.83 9272 9372 8672NEW Manulife Yield Opportunities GIF Select 2.40 8109 8209 8009 1.40 6009 1.65 9209 9309 8609

Canadian Neutral Balanced Manulife Balanced GIF Select (Multi-Manager) 2.48 8122 8222 8022 1.48 6022 1.73 9222 9322 8622Manulife Balanced Index Bundle GIF Select 2.35 8176 8276 8076 1.35 6076 1.60 9276 9376 8676

NEW Manulife Canadian Balanced GIF Select 2.50 8137 8237 8037 1.50 6037 1.75 9237 9337 8637Manulife Dynamic Bundle GIF Select 2.75 8192 8292 8092 1.75 6092 2.10 9292 9392 8692Manulife Dynamic Power Balanced GIF Select 2.75 8190 8290 8090 1.75 6090 2.10 9290 9390 8690Manulife Fidelity Canadian Balanced GIF Select 2.65 8168 8268 8068 1.65 6068 2.00 9268 9368 8668Manulife Invesco Canadian Balanced GIF Select 2.58 8142 8242 8042 1.58 6042 1.93 9242 9342 8642Canadian Equity Balanced Manulife AGF Bundle GIF Select 2.75 8183 8283 8083 1.75 6083 2.10 9283 9383 8683Manulife AIC Bundle GIF Select 2.75 8165 8265 8065 1.75 6065 2.10 9265 9365 8665Manulife CI Harbour Growth & Income GIF Select 2.68 8150 8250 8050 1.68 6050 2.03 9250 9350 8650Manulife CI Signature Income & Growth GIF Select 2.68 8152 8252 8052 1.68 6052 2.04 9252 9352 8652Manulife CIBC Monthly Income GIF Select 2.70 8199 8299 8099 1.70 6099 2.05 9299 9399 8699Manulife Fidelity Canadian Asset Allocation GIF Select 2.68 8160 8260 8060 1.68 6060 2.04 9260 9360 8660Manulife Fidelity Monthly Income GIF Select 2.63 8164 8264 8064 1.63 6064 1.97 9264 9364 8664Manulife Growth Index Bundle GIF Select 2.45 8177 8277 8077 1.45 6077 1.70 9277 9377 8677Manulife Monthly High Income GIF Select 2.48 8119 8219 8019 1.48 6019 1.73 9219 9319 8619Manulife RBC/PHN Bundle GIF Select 2.75 8194 8294 8094 1.75 6094 2.10 9294 9394 8694Manulife TD Dividend Income GIF Select 2.75 8197 8297 8097 1.75 6097 2.10 9297 9397 8697

FEATURE ACCUMULATiON

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



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

NEW Manulife Leaders Balanced Growth Portfolio GIF Select 2.45 8148 8248 8048 1.45 6048 1.70 9248 9348 8648Global Equity Balanced Manulife Bundle GIF Select 2.65 8138 8238 8038 1.65 6038 1.90 9238 9338 8638Manulife Diversified Investment GIF Select 2.60 8185 8285 8085 1.60 6085 1.85 9285 9385 8685Manulife Dynamic Value Balanced GIF Select 2.75 8191 8291 8091 1.75 6091 2.10 9291 9391 8691Manulife Fidelity Bundle GIF Select 2.75 8195 8295 8095 1.75 6095 2.10 9295 9395 8695Manulife Fidelity Disciplined Equity Bundle GIF Select 2.75 8166 8266 8066 1.75 6066 2.10 9266 9366 8666Manulife Global Monthly Income GIF Select 2.63 8126 8226 8026 1.63 6026 1.89 9226 9326 8626Manulife Invesco Bundle GIF Select 2.75 8143 8243 8043 1.75 6043 2.10 9243 9343 8643

NEW Manulife Leaders Opportunities Portfolio GIF Select 2.55 8149 8249 8049 1.55 6049 1.80 9249 9349 8649Manulife Mackenzie Bundle GIF Select 2.75 8173 8273 8073 1.75 6073 2.10 9273 9373 8673Manulife Renaissance Bundle GIF Select 2.75 8198 8298 8098 1.75 6098 2.10 9298 9398 8698STRATEGiC ASSET ALLOCATiON MGF

Manulife Simplicity Conservative Portfolio GIF Select 2.07 8101 8201 8001 1.07 6001 1.59 9201 9301 8601Manulife Simplicity Moderate Portfolio GIF Select 2.22 8102 8202 8002 1.22 6002 1.63 9202 9302 8602Manulife Simplicity Income Portfolio GIF Select 2.28 8103 8203 8003 1.28 6003 1.68 9203 9303 8603Manulife Simplicity Balanced Portfolio GIF Select 2.54 8104 8204 8004 1.54 6004 1.78 9204 9304 8604Manulife Simplicity Global Balanced Portfolio GIF Select 2.67 8107 8207 8007 1.67 6007 1.94 9207 9307 8607Manulife Simplicity Growth Portfolio GIF Select 2.63 8105 8205 8005 1.63 6005 1.88 9205 9305 8605Manulife Simplicity Aggressive Portfolio GIF Select 2.88 8106 8206 8006 1.88 6006 2.13 9206 9306 8606CANADiAN EQUiTy MGF

Manulife Advantage II GIF Select (Portland) 2.75 8157 8257 8057 1.75 6057 2.00 9257 9357 8657Manulife Canadian Equity Index GIF Select 2.55 8178 8278 8078 1.55 6078 1.80 9278 9378 8678Manulife Canadian Growth Equity GIF Select 2.72 8111 8211 8011 1.72 6011 1.98 9211 9311 8611Manulife Canadian Investment GIF Select 2.75 8186 8286 8086 1.75 6086 2.01 9286 9386 8686Manulife Canadian Value GIF Select 2.72 8121 8221 8021 1.72 6021 1.98 9221 9321 8621Manulife CI Harbour GIF Select 2.95 8155 8255 8055 1.95 6055 2.30 9255 9355 8655Manulife Dividend GIF Select 2.68 8115 8215 8015 1.68 6015 1.93 9215 9315 8615Manulife Fidelity Canadian Disciplined Equity GIF Select 2.90 8169 8269 8069 1.90 6069 2.25 9269 9369 8669Manulife Fidelity True North GIF Select 2.90 8182 8282 8082 1.90 6082 2.25 9282 9382 8682Manulife Growth GIF Select (Multi-Manager) 2.85 8131 8231 8031 1.85 6031 2.10 9231 9331 8631Manulife Growth Opportunities GIF Select 2.88 8116 8216 8016 1.88 6016 2.13 9216 9316 8616Manulife Invesco Canadian Premier Growth Class GIF Select 2.78 8145 8245 8045 1.78 6045 2.13 9245 9345 8645Manulife Maxxum Dividend Growth GIF Select (Mackenzie) 2.72 8171 8271 8071 1.72 6071 2.08 9271 9371 8671U.S. EQUiTy MGF

NEW Manulife American Focused GIF Select 2.86 8184 8284 8084 1.86 6084 2.11 9284 9384 8684Manulife Fidelity American Disciplined Equity GIF Select 2.95 8167 8267 8067 1.95 6067 2.30 9267 9367 8667Manulife U.S. Equity GIF Select 2.90 8187 8287 8087 1.90 6087 2.15 9287 9387 8687Manulife U.S. Equity Index GIF Select 2.75 8179 8279 8079 1.75 6079 2.00 9279 9379 8679Manulife U.S. Mid-Cap GIF Select 2.92 8117 8217 8017 1.92 6017 2.17 9217 9317 8617FOREiGN EQUiTy MGF

Manulife CI Cambridge Global Equity GIF Select 3.05 8156 8256 8056 2.05 6056 2.40 9256 9356 8656Manulife Fidelity Europe GIF Select 2.90 8181 8281 8081 1.90 6081 2.25 9281 9381 8681Manulife Fidelity NorthStar GIF Select 3.03 8163 8263 8063 2.03 6063 2.38 9263 9363 8663

NEW Manulife Global Dividend Income GIF Select 2.90 8193 8293 8093 1.90 6093 2.15 9293 9393 8693Manulife Global Focused GIF Select 3.00 8158 8258 8058 2.00 6058 2.25 9258 9358 8658Manulife Global Opportunities Class GIF Select 3.01 8139 8239 8039 2.01 6039 2.26 9239 9339 8639Manulife Global Small Cap GIF Select 2.90 8189 8289 8089 1.90 6089 2.15 9289 9389 8689Manulife International Equity GIF Select (Templeton) 2.86 8129 8229 8029 1.86 6029 2.22 9229 9329 8629Manulife International Equity Index GIF Select 2.75 8180 8280 8080 1.75 6080 2.00 9280 9380 8680Manulife Ivy Foreign Equity GIF Select (Mackenzie) 2.92 8170 8270 8070 1.92 6070 2.28 9270 9370 8670Manulife Japan Class GIF Select (MFC Global) 2.98 8125 8225 8025 1.98 6025 2.22 9225 9325 8625Manulife Mackenzie Cundill Value GIF Select 3.02 8174 8274 8074 2.02 6074 2.39 9274 9374 8674Manulife Renaissance Global Markets GIF Select 3.05 8196 8296 8096 2.05 6096 2.40 9296 9396 8696Manulife Tax-Managed Growth GIF Select 2.90 8132 8232 8032 1.90 6032 2.15 9232 9332 8632Manulife Trimark Europlus GIF Select 2.86 8146 8246 8046 1.86 6046 2.22 9246 9346 8646Manulife Trimark Select Growth GIF Select 3.03 8144 8244 8044 2.03 6044 2.38 9244 9344 8644Manulife World Investment GIF Select 2.90 8188 8288 8088 1.90 6088 2.15 9288 9388 8688FUNDS ARE CLOSED TO NEW DEPOSiTS AND SWiTChES iN, AND WiLL BE TERMiNATED ON NOvEMBER 19, 2010

Manulife Core Balanced GIF Select 2.52 8123 8223 8023 n/a n/a 1.79 n/a n/a 8623Manulife Canadian Core GIF Select 2.72 8113 8213 8013 n/a n/a 1.98 n/a n/a 8613Manulife Global Dividend GIF Select 3.03 8127 8227 8027 n/a n/a 2.28 n/a n/a 8627

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



FEATURE iNCOME PROTECTiON


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


iNCOMEPLUS FUND NAME & NUMBER GUiDE – OCTOBER 18, 2010

F-class Elite Sales Charge Option

FUND NAME MER (%) Level

Fund Fee Rate BE LL FE

MER (%) F-class*

MER (%) BE LL FE

CANADiAN MONEy MARKET MGF

Manulife Dollar-Cost Averaging Advantage GIF Select 0.00 1 0.35 8414 8514 8314 0.00 6114 n/a n/a n/a n/aLONG TERM CANADiAN MONEy MARKET MGF

Manulife Advantage GIF Select 0.00 1 0.35 8418 8518 8318 0.00 6118 n/a n/a n/a n/aFixED iNCOME MGF

NEW Manulife Bond GIF Select 2.00 1 0.35 8408 8508 8308 1.50 6108 1.50 9408 9508 8708Manulife Canadian Bond Index GIF Select 1.95 1 0.35 8475 8575 8375 1.20 6175 1.20 9475 9575 8775Manulife Fidelity Canadian Bond GIF Select 2.18 1 0.35 8461 8561 8361 1.68 6161 1.68 9461 9561 8761

NEW Manulife Short-Term Bond GIF Select 1.90 1 0.35 8400 8500 8300 1.40 6100 1.40 9400 9500 8700BALANCED MGF

Canadian Fixed Income Balanced Manulife Sentinel Income GIF Select (Mackenzie) 2.33 2 0.45 8472 8572 8372 1.33 6172 1.83 9472 9572 8772Canadian Neutral Balanced Manulife Balanced GIF Select (Multi-Manager) 2.48 3 0.65 8422 8522 8322 1.48 6122 1.73 9422 9522 8722Manulife Balanced Index Bundle GIF Select 2.35 3 0.65 8476 8576 8376 1.35 6176 1.60 9476 9576 8776

NEW Manulife Canadian Balanced GIF Select 2.50 3 0.65 8437 8537 8337 1.50 6137 1.75 9437 9537 8737Manulife Dynamic Bundle GIF Select 2.75 3 0.65 8492 8592 8392 1.75 6192 2.10 9492 9592 8792Manulife Dynamic Power Balanced GIF Select 2.75 4 0.85 8490 8590 8390 1.75 6190 2.10 9490 9590 8790Manulife Fidelity Canadian Balanced GIF Select 2.65 3 0.65 8468 8568 8368 1.65 6168 2.00 9468 9568 8768Manulife Invesco Canadian Balanced GIF Select 2.58 3 0.65 8442 8542 8342 1.58 6142 1.93 9442 9542 8742Canadian Equity Balanced Manulife AGF Bundle GIF Select 2.75 4 0.85 8483 8583 8383 1.75 6183 2.10 9483 9583 8783Manulife AIC Bundle GIF Select 2.75 4 0.85 8465 8565 8365 1.75 6165 2.10 9465 9565 8765Manulife CI Harbour Growth & Income GIF Select 2.68 4 0.85 8450 8550 8350 1.68 6150 2.03 9450 9550 8750Manulife CI Signature Income & Growth GIF Select 2.68 4 0.85 8452 8552 8352 1.68 6152 2.04 9452 9552 8752Manulife CIBC Monthly Income GIF Select 2.70 4 0.85 8499 8599 8399 1.70 6199 2.05 9499 9599 8799Manulife Fidelity Canadian Asset Allocation GIF Select 2.68 4 0.85 8460 8560 8360 1.68 6160 2.04 9460 9560 8760Manulife Fidelity Monthly Income GIF Select 2.63 4 0.85 8464 8564 8364 1.63 6164 1.97 9464 9564 8764Manulife Growth Index Bundle GIF Select 2.45 4 0.85 8477 8577 8377 1.45 6177 1.70 9477 9577 8777Manulife Monthly High Income GIF Select 2.48 4 0.85 8419 8519 8319 1.48 6119 1.73 9419 9519 8719Manulife RBC/PHN Bundle GIF Select 2.75 4 0.85 8494 8594 8394 1.75 6194 2.10 9494 9594 8794Manulife TD Dividend Income GIF Select 2.75 4 0.85 8497 8597 8397 1.75 6197 2.10 9497 9597 8797Global Neutral Balanced Manulife CI Cambridge Bundle GIF Select 2.75 3 0.65 8454 8554 8354 1.75 6154 2.10 9454 9554 8754Global Equity Balanced Manulife Bundle GIF Select 2.65 4 0.85 8438 8538 8338 1.65 6138 1.90 9438 9538 8738Manulife Diversified Investment GIF Select 2.60 4 0.85 8485 8585 8385 1.60 6185 1.85 9485 9585 8785Manulife Dynamic Value Balanced GIF Select 2.75 4 0.85 8491 8591 8391 1.75 6191 2.10 9491 9591 8791Manulife Fidelity Bundle GIF Select 2.75 4 0.85 8495 8595 8395 1.75 6195 2.10 9495 9595 8795Manulife Fidelity Disciplined Equity Bundle GIF Select 2.75 4 0.85 8466 8566 8366 1.75 6166 2.10 9466 9566 8766Manulife Global Monthly Income GIF Select 2.63 4 0.85 8426 8526 8326 1.63 6126 1.89 9426 9526 8726Manulife Invesco Bundle GIF Select 2.75 4 0.85 8443 8543 8343 1.75 6143 2.10 9443 9543 8743Manulife Mackenzie Bundle GIF Select 2.75 4 0.85 8473 8573 8373 1.75 6173 2.10 9473 9573 8773Manulife Renaissance Bundle GIF Select 2.75 4 0.85 8498 8598 8398 1.75 6198 2.10 9498 9598 8798STRATEGiC ASSET ALLOCATiON MGF

Manulife Simplicity Conservative Portfolio GIF Select 2.07 2 0.45 8401 8501 8301 1.07 6101 1.59 9401 9501 8701Manulife Simplicity Moderate Portfolio GIF Select 2.22 2 0.45 8402 8502 8302 1.22 6102 1.63 9402 9502 8702Manulife Simplicity Income Portfolio GIF Select 2.28 3 0.65 8403 8503 8303 1.28 6103 1.68 9403 9503 8703Manulife Simplicity Balanced Portfolio GIF Select 2.54 3 0.65 8404 8504 8304 1.54 6104 1.78 9404 9504 8704Manulife Simplicity Global Balanced Portfolio GIF Select 2.67 4 0.85 8407 8507 8307 1.67 6107 1.94 9407 9507 8707Manulife Simplicity Growth Portfolio GIF Select 2.63 4 0.85 8405 8505 8305 1.63 6105 1.88 9405 9505 8705FUNDS ARE CLOSED TO NEW DEPOSiTS AND SWiTChES iN, AND WiLL BE TERMiNATED ON NOvEMBER 19, 2010

Manulife Core Balanced GIF Select 2.52 4 0.85 8423 8523 8323 n/a n/a 1.79 n/a n/a 8723

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



FEATURE ESTATE PRESERvATiON


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


F-class Elite Sales Charge Option

FUND NAMEMER (%) Level

Fund Fee Rate BE LL FE

MER (%) F-class*

MER (%) BE LL FE

CANADiAN MONEy MARKET MGF

Manulife Dollar-Cost Averaging Advantage GIF Select 0.00 1 0.15 8914 9014 8814 0.00 6214 n/a n/a n/a n/aLONG TERM CANADiAN MONEy MARKET MGF

Manulife Advantage GIF Select 0.00 1 0.15 8918 9018 8818 0.00 6218 n/a n/a n/a n/aFixED iNCOME MGF

NEW Manulife Bond GIF Select 2.00 1 0.15 8908 9008 8808 1.50 6208 1.50 9608 9708 9108Manulife Canadian Bond Index GIF Select 1.95 1 0.15 8975 9075 8875 1.20 6275 1.20 9675 9775 9175Manulife Fidelity Canadian Bond GIF Select 2.18 1 0.15 8961 9061 8861 1.68 6261 1.68 9661 9761 9161

NEW Manulife Short-Term Bond GIF Select 1.90 1 0.15 8900 9000 8800 1.40 6200 1.40 9600 9700 9100BALANCED MGF

Canadian Fixed Income Balanced Manulife Sentinel Income GIF Select (Mackenzie) 2.33 2 0.25 8972 9072 8872 1.33 6272 1.83 9672 9772 9172Canadian Neutral Balanced Manulife Balanced GIF Select (Multi-Manager) 2.48 3 0.35 8922 9022 8822 1.48 6222 1.73 9622 9722 9122Manulife Balanced Index Bundle GIF Select 2.35 3 0.35 8976 9076 8876 1.35 6276 1.60 9676 9776 9176

NEW Manulife Canadian Balanced GIF Select 2.50 3 0.35 8937 9037 8837 1.50 6237 1.75 9637 9737 9137Manulife Dynamic Bundle GIF Select 2.75 3 0.35 8992 9092 8892 1.75 6292 2.10 9692 9792 9192Manulife Dynamic Power Balanced GIF Select 2.75 4 0.45 8990 9090 8890 1.75 6290 2.10 9690 9790 9190Manulife Fidelity Canadian Balanced GIF Select 2.65 3 0.35 8968 9068 8868 1.65 6268 2.00 9668 9768 9168Manulife Invesco Canadian Balanced GIF Select 2.58 3 0.35 8942 9042 8842 1.58 6242 1.93 9642 9742 9142Canadian Equity Balanced Manulife AGF Bundle GIF Select 2.75 4 0.45 8983 9083 8883 1.75 6283 2.10 9683 9783 9183Manulife AIC Bundle GIF Select 2.75 4 0.45 8965 9065 8865 1.75 6265 2.10 9665 9765 9165Manulife CI Harbour Growth & Income GIF Select 2.68 4 0.45 8950 9050 8850 1.68 6250 2.03 9650 9750 9150Manulife CI Signature Income & Growth GIF Select 2.68 4 0.45 8952 9052 8852 1.68 6252 2.04 9652 9752 9152Manulife CIBC Monthly Income GIF Select 2.70 4 0.45 8999 9099 8899 1.70 6299 2.05 9699 9799 9199Manulife Fidelity Canadian Asset Allocation GIF Select 2.68 4 0.45 8960 9060 8860 1.68 6260 2.04 9660 9760 9160Manulife Fidelity Monthly Income GIF Select 2.63 4 0.45 8964 9064 8864 1.63 6264 1.97 9664 9764 9164Manulife Growth Index Bundle GIF Select 2.45 4 0.45 8977 9077 8877 1.45 6277 1.70 9677 9777 9177Manulife Monthly High Income GIF Select 2.48 4 0.45 8919 9019 8819 1.48 6219 1.73 9619 9719 9119Manulife RBC/PHN Bundle GIF Select 2.75 4 0.45 8994 9094 8894 1.75 6294 2.10 9694 9794 9194Manulife TD Dividend Income GIF Select 2.75 4 0.45 8997 9097 8897 1.75 6297 2.10 9697 9797 9197Global Neutral Balanced Manulife CI Cambridge Bundle GIF Select 2.75 3 0.35 8954 9054 8854 1.75 6254 2.10 9654 9754 9154Global Equity Balanced Manulife Bundle GIF Select 2.65 4 0.45 8938 9038 8838 1.65 6238 1.90 9638 9738 9138Manulife Diversified Investment GIF Select 2.60 4 0.45 8985 9085 8885 1.60 6285 1.85 9685 9785 9185Manulife Dynamic Value Balanced GIF Select 2.75 4 0.45 8991 9091 8891 1.75 6291 2. 10 9691 9791 9191Manulife Fidelity Bundle GIF Select 2.75 4 0.45 8995 9095 8895 1.75 6295 2.10 9695 9795 9195Manulife Fidelity Disciplined Equity Bundle GIF Select 2.75 4 0.45 8966 9066 8866 1.75 6266 2.10 9666 9766 9166Manulife Global Monthly Income GIF Select 2.63 4 0.45 8926 9026 8826 1.63 6226 1.89 9626 9726 9126Manulife Invesco Bundle GIF Select 2.75 4 0.45 8943 9043 8843 1.75 6243 2.10 9643 9743 9143Manulife Mackenzie Bundle GIF Select 2.75 4 0.45 8973 9073 8873 1.75 6273 2.10 9673 9773 9173Manulife Renaissance Bundle GIF Select 2.75 4 0.45 8998 9098 8898 1.75 6298 2.10 9698 9798 9198STRATEGiC ASSET ALLOCATiON MGF

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




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


N/A

All Other Funds

(Bond, Dividend, Asset Allocation,

Balanced, Equity Funds

and Manulife Dollar-Cost


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 1 - 2.50

Year 2 - 2.00

Year 3 - 1.50


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.


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


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 1 - 1.00

Year 2 - 0.50

Year 3 - 0.50


N/A

All Other Funds

(Bond, Dividend, Asset Allocation,

Balanced, Equity Funds

and Manulife Dollar-Cost


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 1 - 2.50

Year 2 - 2.00

Year 3 - 1.50


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.


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

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