Grow your business with savings and
debt management solutions
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n You have the expertise to help your clients get the best
rates and most competitive financial products available.
n By integrating savings and debt management
products into their broader financial plan, you can help your clients achieve their financial goals more quickly.
n Knowing where all your clients’ money is gives you
the opportunity to increase your influence over more of their financial decisions.
n Our unique debt management and wealth creation
products help you to help your clients manage both sides of their balance sheet to succeed in the plans you create.
n You’ll enhance your compensation but, more
importantly, it’s more cost-effective to market new products to existing clients and it helps you reduce competitive influences on them.
By meeting your clients’ savings and debt management needs, in addition to their insurance and investment needs, you’ll be providing them with everything they need to fulfill the financial plan you create together. This is key in ensuring that your clients don’t turn to another financial institution to meet their needs.
Banking and trust solutions build and protect your business by putting yourself in a stronger advisory position. Our goal is to see you virtually eliminate the competition by meeting all of your clients’ financial needs.
A few great reasons to provide bank and trust
products to your clients
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We’re
your
bank and Trust Company
We are different because we offer our products and services through financial advisors – and have been doing so since 1993. We believe that all financial decisions should be made with the help and insight of a trusted advisor. We’ll help you provide your clients with the banking products that will put your wealth creation and debt management plans into action. Also, because Manulife Bank and Manulife Trust have innovative products, great rates and excellent customer service, you will enhance your client relationships by exceeding their expectations.
Take a look at the variety of products that can enhance what you currently offer. Together, we’ll give your clients the solutions and service they deserve.
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Loan products
Quick Loans*
Manulife Bank Quick Loans ($10,000 - $100,000) are ideal for investors wishing to borrow 100 percent of their investment amount. They feature no margin calls, a one-step application process and the option of interest-only or principal and interest payments.
Multiplier Loans*
The Manulife Bank Multiplier Loan program is designed for sophisticated investors who wish to borrow larger amounts ($10,000 to $1,000,000). They feature 3:1, 2:1 and 1:1 financing ratio, no margin calls, the option of interest-only or principal and interest payments, and a floating interest rate.
RRSP Loans
Manulife Bank’s RRSP loan program focuses on competitive short-term, floating rate loans to fund the purchase of registered investment products offered by Manulife Bank and Manulife Investments.
Access Line of Credit and Access Line
of Credit Plus
Clients who own select Manulife Bank, Manulife Investments and Manulife Financial products may qualify for Access Line of Credit or Access Line of Credit Plus. Designed to meet short-term financing needs, Access Line offers a competitive interest rate and convenient access by ABM withdrawal, cheque, direct payment and
Interac®e-Transfer.
Insured Retirement Program (IRP)
The Insured Retirement Program transforms a life insurance policy and a bank line of credit into the potential for tax-deferred accumulation of funds today and tax-free access to funds in the future.5
Mortgages
Manulife One
Canada’s first flexible mortgage account, Manulife One is an all-in-one personal borrowing and chequing account that can potentially save your clients thousands. Because their income and debts are combined, every time your client gets paid, it pays down the principal and saves them interest costs. Manulife One truly delivers savings and satisfaction.
Manulife One Creditor Insurance
Manulife One Creditor Insurance is affordable, convenient and competitively priced. It’s an excellent way to start, or to improve your clients’ personal insurance program. Your new and existing Manulife One clients can obtain life, disability and job loss protection.Manulife Bank Select
Manulife Bank Select combines a traditional mortgage with an everyday banking account to provide your clients with an innovative solution that can streamline and simplify their banking.
Whether your clients are first-time homebuyers, refinancing or want a more convenient or integrated way of banking, there’s a range of competitive mortgage choices with Manulife Bank Select.
And With Manulife Bank Select, your clients earn a high rate of interest on every dollar in their account.
Manulife Bank Select Creditor Insurance
Creditor insurance can be a valuable addition toindividual insurance or be a "gap" solution until you can assess a client’s overall insurance needs.
All new and existing Manulife Bank Select clients may apply for creditor insurance, which provides life, disability and job-loss protection for their mortgage balance.
Manulife Bank mbna rewards
MasterCard
®credit card
Give your clients Manulife Bank's mbna rewards
MasterCard®credit card and, with every net retail
purchase they make, they'll earn mbna rewards points that can be used for travel, merchandise, gift certificates, charitable donations and the Manulife Bank Cash Reward. And, you earn compensation.
Credit Card
Manulife One for Business
Manulife One for Business is Canada’s first all-in-one mortgage account for business properties. As a line of credit, Manulife One for Business offers clients access to accumulated equity in their property (up to their borrowing limit), the flexibility to deposit only the monthly interest owing or more at any time to reduce their debt and allows them to save interest costs immediately when they deposit rental or other revenue directly into the account.
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Advantage Account
Advantage Account is a high-interest, low-fee chequing account that requires no minimum deposit. It features the liquidity of a traditional chequing account and an interest rate similar to a short-term GIC or money market fund. Advantage Account’s features and benefits are unrivalled in the marketplace.
Business Advantage Account
Business Advantage Account is a high-interest investment account that is an ideal complement to a traditional operating account. Business owners can transfer or deposit excess cash into the account and easily access it again when they need it. Clients earn a high rate of interest without having to manage T-bills or buy money market funds.Registered Advantage Account
Registered Advantage Account is a high-interest investment account that offers a short-term alternative to meet your clients’ RRSP needs. Whether it's giving them time to determine a long-term strategy, or used as a high interest component of their low-risk registered portfolio, it’s an excellent alternative to money market funds and short-term GICs.$US Advantage Account
$US Advantage Account is a high-interest investment account that can help your clients’ U.S. cash continue to grow until it’s needed.
$US Business Advantage Account
$US Business Advantage Account works in conjunction with a business' existing $US account at a Canadian financial institution and provides a high rate of interest for every U.S. dollar on deposit.
Tax-Free Advantage Account
Tax-Free Advantage Account is a high-interest investment account that offers a tax-free way to save for both short-term and long-term goals. The money is not locked-in and can be used for any purpose. Clients earn a high rate of interest and they can keep it all for themselves.
Guaranteed Investment Certificates
Manulife Bank and Manulife Trust offer some of the best GIC rates in Canada. With a minimum deposit of $2,500 ($10,000 for monthly interest), clients can get a 1 - 5 year GIC.Short-term Deposits
Manulife Bank and Manulife Trust Short-term Deposits (30 - 364 day GICs) allow investors to invest at a fixed rate for less than a year without "locking-in" the deposit.
Investment Savings Account
Manulife Bank and Manulife Trust Investment Savings Accounts (including F-Class and $US accounts) enable you to offer your on-book (nominee name) clients convenience and growth for their cash. It will be earning one of the best returns for a savings account with simple access features.
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Advisor support
We’re here to support you in offering your clients the best products and services available. If you have questions regarding Manulife Bank and our products, or would like to order marketing materials, please call our advisor support line at 1-800-567-9170 (Option 1).
Our Business Development Directors
Business Development Directors are here to provide you with product training, sales support and advice as you meet your clients’ needs. Call your local Business Development Director at 1-800-567-9170 (Option 2) for the support and resources you need to help your clients achieve their financial goals. Visitmymanulifebank.rep.ca to find your local Business Development Director.
Our Banking Consultants
Banking Consultants are your mortgage specialists. They will do all the work to close the sale with your select clients. To find the complete list of Banking Consultants across Canada, visit manulifeone.ca.
How to contact us
Visit our advisor website
Repsource, at manulife.ca/repsource, is Manulife's website for advisors. It is your primary source for marketing, product and client information for Manulife Bank products and Manulife Trust products.
Client services
Phone: 1-877-765-2265 Fax: 1-877-565-2265 Email: manulife_bank@manulife.com Website: manulifebank.caMailing address
Manulife Bank of Canada Delivery Station 500 M-A 500 King St. NorthPO BOX 1602 STN WATERLOO Waterloo, Ontario N2J 4C6
For more information, please visit manulifebank.ca
Products are offered through Manulife Bank of Canada and Manulife Trust Company.
Manulife, Manulife Bank, the Manulife Bank For Your Future logo, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. AB0405E (08/2012)
* Borrowing to invest may be appropriate only for investors with higher risk tolerance. Your clients should be fully aware of the risks and benefits associated with investment loans since losses as well as gains may be magnified. Preferred candidates are those willing to invest for the long term and not averse to increased risk. The value of your client's investment will vary and is not guaranteed, however they must meet their loan and income tax obligations and repay their loan in full. Please ensure clients read the terms of their loan agreement and the investment details for important information. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator, and does not provide investment advice of any nature to individuals or Advisors. The Dealer and Advisor are responsible for determining the appropriateness of investments for their clients and informing them of the risks associated with borrowing to invest.
MBNA Canada Bank is the exclusive issuer and administrator of the MBNA Platinum Plus WorldPoints credit card program in Canada. MBNA, MBNA Canada, MBNA Canada Bank, MBNA Platinum Plus,WorldPoints, the MBNA logo and tree symbol are all trademarks of MBNA America Bank, N.A., used by MBNA Canada Bank pursuant to licence.
®Trade-mark of InteracInc. Used under license.
Savings and debt management products are an essential part of a successful financial plan. That’s why we offer our products through financial advisors. Since every client has unique financial needs, their advisor can introduce products to help them achieve their goals sooner.
Manulife Trust is a wholly owned subsidiary of Manulife Bank. Manulife Bank is wholly owned by Manulife Financial, one of Canada’s largest and most respected financial institutions. Our innovative products and great rates help Canadians make their money work harder and give them access to cash for their financial needs.
