Manulife PensionBuilder Rates
Manulife PensionBuilder uses a set of Deposit Income Rates to determine the amount of guaranteed income available for current and future Income Ages. These rates are established at the time of each deposit. Deferring income may mean higher future guaranteed income.
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1 Joint Life is based on the younger spouse's age. The Joint Life must be the spouse or the common-law partner (as defined by the Income Tax Act (Canada)).
2 Prior to Election of Income, Income Age is any age when Election of Income can occur. Once Election of Income has occurred, Income Age is the age on the valuation date of a subsequent deposit. Income Age is based on the age of the younger of the annuitant and Joint Life (if applicable) as of December 31 of a calendar year.
3 Deposit Income Rates are based on the date of each deposit and are subject to change daily.
The Manufacturers Life Insurance Company is the issuer of the Manulife PensionBuilder insurance contract and the guarantor of any guarantee provisions therein. Exceeding the withdrawal thresholds and/or withdrawals taken prior to Election of the Total Income Amount may have a negative impact on future income payments. The Total Income Amount 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 50. Other conditions may apply.