Do you want an investment that can offer predictable, sustainable, and potentially increasing retirement income for life?

Whether you're just beginning to think about retirement or you're already in the retirement phase of your life, there's a lot to consider.  

• What if you experience poor market returns early in retirement?
• Will you outlive your retirement income?
• Will your retirement income keep pace with inflation?

Manulife developed their IncomePlus investment solution to help address these concerns.  IncomePlus provides:

• Predictable income guaranteed  not to decrease no matter how the underlying investments perform
• Sustainable income that will last for life
• Potentially increasing guaranteed income to help offset inflation
• The flexibility to change your investment or access your savings at any time*
• Benefits that help ensure the smooth transition of your estate
• Minimum 100% Death Benefit Guarantee (reduced proportionally for withdrawals)

* Fees may apply. Any fund switch or withdrawal may result in tax consequences.

A unique advantage of this product is that in each year you do not make a withdrawal you will receive a 5% bonus, which increases your future guaranteed payments.  In addition, every three years market growth can be locked in, also potentially increasing your retirement income (certain conditions apply).   These features allow you to invest in the market for potential growth while being assured that your savings will provide a predictable stream of retirement income for life, regardless of market conditions.

The videos below outline how Manulife's IncomePlus product is designed to help Canadians in their retirement years.

IncomePlus Introduction Video

IncomePlus Retirement Funds - Taking Income Now Video

IncomePlus Retirement Funds - Taking Income Later Video

Retirement Risks Video

Retirement Risk Zone Video

Call us today to discuss the benefits of IncomePlus at 604-484-4170 or email us at info@oneill-inc.com. 

Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. 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.  The LWA becomes available for election on January 1st of the year the annuitant or the younger of the annuitant and the Joint Life (if applicable) turns age 55.  Other conditions may apply. Withdrawals in excess of the LWA or prior to the Election of LWA will reduce the GWB Benefit Base proportionally. The Manufacturers Life Insurance Company is the issuer of the Manulife GIF Select insurance contract which offers the IncomePlus Series and the guarantor of any guarantee provisions therein. Certain conditions may apply. IncomePlus is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license