Overview
How This Account Works
Similar to Guaranteed Investment Certificates (GICs) offered by banks and trust companies, these accounts guarantee an interest rate from the day you invest your money until maturity. At maturity, your original investment and interest earned will reinvest for the same term unless you provide Manulife with different instructions prior to maturity.
Volatility and Risk
These accounts can offer stable returns, and investment security. Consider these accounts if you are an investor who needs guaranteed security for your investment, and can commit to investments for a fixed period of time. There is no volatility associated with the return in this account, as this is a guaranteed investment backed by the general assets of Manulife.
Contract Interest Guarantees
The annual interest rate that applies to a GIA is guaranteed to be at least:
- the interest rate representing the effective annual yield on current coupon Government of Canada bonds with the same term period and effective date as the guaranteed investment account minus the guaranteed management fee, or
- the guaranteed minimum interest rate for this account whichever is greater.
Contract Interest Rates Available as of June 30, 2025
| Product | 1 year | 3 years | 5 years | 10 years | 20 years |
|---|---|---|---|---|---|
| Manulife UL | 2.05% | 2.25% | 2.65% | 3.03% | 3.25% |
Distributions
| Effective Date | Interest Rate |
|---|---|
| 2025/08/01 | 3.1990% |
| 2025/07/31 | 3.1990% |
| 2025/07/30 | 3.1990% |
| 2025/07/29 | 3.2690% |
| 2025/07/28 | 3.2690% |
| 2025/07/25 | 3.2690% |
| 2025/07/24 | 3.2690% |
| 2025/07/23 | 3.2690% |
| 2025/07/22 | 3.2690% |
| 2025/07/21 | 3.2690% |
| 2025/07/18 | 3.2690% |
| 2025/07/17 | 3.2690% |
| 2025/07/16 | 3.2690% |
| 2025/07/15 | 3.1490% |
| 2025/07/14 | 3.1490% |
| 2025/07/11 | 3.1490% |
| 2025/07/10 | 3.1490% |
| 2025/07/09 | 3.1490% |
| 2025/07/08 | 3.0190% |
| 2025/07/07 | 3.0190% |
| 2025/07/04 | 3.0190% |
| 2025/07/03 | 3.0190% |
| 2025/07/02 | 3.0190% |
| 2025/06/30 | 3.0290% |
| 2025/06/27 | 3.0290% |
| 2025/06/26 | 3.0290% |
| 2025/06/25 | 3.0290% |
| 2025/06/24 | 3.1290% |
| 2025/06/23 | 3.1290% |
| 2025/06/20 | 3.1290% |
| 2025/06/19 | 3.1290% |
| 2025/06/18 | 3.0990% |
| 2025/06/17 | 3.0990% |
| 2025/06/16 | 3.0990% |
| 2025/06/13 | 3.0990% |
| 2025/06/12 | 3.0990% |
| 2025/06/11 | 3.0390% |
| 2025/06/10 | 3.0390% |
| 2025/06/09 | 3.0390% |
| 2025/06/06 | 3.0390% |
| 2025/06/05 | 3.0390% |
| 2025/06/04 | 3.0290% |
| 2025/06/03 | 3.0290% |
| 2025/06/02 | 3.0290% |
| 2025/05/30 | 3.0290% |
| 2025/05/29 | 3.0290% |
| 2025/05/28 | 3.0890% |
| 2025/05/27 | 3.0890% |
| 2025/05/26 | 3.0890% |
| 2025/05/23 | 3.0890% |
| 2025/05/22 | 3.0890% |
| 2025/05/21 | 3.0490% |
| 2025/05/20 | 3.0490% |
| 2025/05/16 | 3.0490% |
| 2025/05/15 | 3.0490% |
| 2025/05/14 | 3.0190% |
| 2025/05/13 | 3.0190% |
| 2025/05/12 | 3.0190% |
| 2025/05/09 | 3.0190% |
| 2025/05/08 | 3.0190% |
| 2025/05/07 | 3.0190% |
| 2025/05/06 | 3.0190% |
| 2025/05/05 | 3.0190% |
| 2025/05/02 | 3.0190% |
| 2025/05/01 | 3.0190% |
| 2025/04/30 | 3.0190% |
| 2025/04/29 | 3.0190% |
| 2025/04/28 | 3.0190% |
| 2025/04/25 | 3.0190% |
| 2025/04/24 | 3.0190% |
| 2025/04/23 | 2.9090% |
| 2025/04/22 | 2.9090% |
| 2025/04/21 | 2.9090% |
| 2025/04/17 | 2.9090% |
| 2025/04/16 | 2.8590% |
| 2025/04/15 | 2.8590% |
| 2025/04/14 | 2.8590% |
| 2025/04/11 | 2.8590% |
| 2025/04/10 | 2.8590% |
| 2025/04/09 | 2.8090% |
| 2025/04/08 | 2.8090% |
| 2025/04/07 | 2.8090% |
| 2025/04/04 | 2.8090% |
| 2025/04/03 | 2.8090% |
| 2025/04/02 | 2.9890% |
| 2025/04/01 | 2.9890% |
| 2025/03/31 | 2.9890% |
| 2025/03/28 | 2.9890% |
| 2025/03/27 | 2.9890% |
| 2025/03/26 | 2.9490% |
| 2025/03/25 | 2.9490% |
| 2025/03/24 | 2.9490% |
| 2025/03/21 | 2.9490% |
| 2025/03/20 | 2.9490% |
| 2025/03/19 | 2.9190% |
| 2025/03/18 | 2.9190% |
| 2025/03/17 | 2.9190% |
| 2025/03/14 | 2.9190% |
| 2025/03/13 | 2.9190% |
| 2025/03/12 | 2.8290% |
| 2025/03/11 | 2.8290% |
| 2025/03/10 | 2.8290% |
| 2025/03/07 | 2.8290% |
| 2025/03/06 | 2.9990% |
| 2025/03/05 | 2.8490% |
| 2025/03/04 | 2.8490% |
| 2025/03/03 | 2.8490% |
| 2025/02/28 | 2.8490% |
| 2025/02/27 | 2.8490% |
| 2025/02/26 | 2.9990% |
| 2025/02/25 | 2.9990% |
| 2025/02/24 | 2.9990% |
| 2025/02/21 | 2.9990% |
| 2025/02/20 | 2.9990% |
| 2025/02/19 | 2.9190% |
| 2025/02/18 | 2.9190% |
| 2025/02/14 | 2.9190% |
| 2025/02/13 | 2.9190% |
| 2025/02/12 | 2.8490% |
| 2025/02/11 | 2.8490% |
| 2025/02/10 | 2.8490% |
| 2025/02/07 | 2.8490% |
| 2025/02/06 | 2.8490% |
| 2025/02/05 | 3.0090% |
| 2025/02/04 | 3.0090% |
| 2025/02/03 | 3.0090% |