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. | UltraVision
Life insurance investing simplified.
One of the key benefits of universal life insurance is the way it combines life insurance protection and tax-advantaged investing. And now there’s a new kind of universal life insurance – UltraVision.
UltraVision is unique because it’s simple. You can see this in a range of features – from the way you pay for your insurance to the way we automatically keep the amount of insurance low, while keeping the policy tax exempt. By Manulife managing your amount of insurance, we’re keeping what you pay for your insurance in check too. It’s easy, hands-off insurance management that lets you focus on maximizing your investment options.
Does this sound like you?
- You’ve maximized your contribution room in an RRSP or tax-free savings account.
- You have a high marginal tax rate.
- You’re interested in a simple plan. One that’s focused on helping you build your estate value.
- You have additional assets to invest that you don’t expect to need in your lifetime.
If this sounds like you, UltraVision may be just what you need to achieve your financial goals. UltraVision is designed with you in mind – individuals and couples looking for a cost-effective and simple alternative to taxable investing.
UltraVision offers tax-advantaged growth on assets within the policy. And unlike some tax-deferred investments, the wealth you build within UltraVision, which includes the policy’s insurance amount and the account value, can be passed on to your beneficiaries tax free. And Manulife guarantees that no matter how your investments perform, UltraVision's death benefit will be at least 75 per cent of deposits made into your policy.*
*Making withdrawals will reduce the amount of the death benefit guarantee. For details, see the UltraVision sample contract available at: www.manulife.ca/b4ubuy.
Keeping it as simple as possible
The concept of investing within universal life insurance is straightforward. We think the product should be too. That’s why UltraVision is designed to do the job as easily and effectively as possible. Here’s what makes it simple:
- No monthly deductions to pay the cost of insurance. Instead, a guaranteed rate is automatically deducted from the posted
- interest rate for each investment account.
- Manulife automatically adjusts the amount of insurance every year, while staying within the government guidelines for tax-exempt policies.
- No complicated bonus structures. You earn one clear-cut incentive if you make multiple deposits over multiple years.
Superior investment options
UltraVision offers over 50 different investment accounts – lots of choice so you can build a portfolio that matches your risk profile and investment style. And we know that needs and preferences change, so UltraVision gives you the flexibility to move from one investment account to another.
UltraVision offers four types of investment accounts:
1) Managed accounts are linked to the returns of leading mutual funds.
2) Indexed accounts provide returns linked to market indices.
3) Balanced index accounts are a combination of Government of Canada treasury bills and bond and stock indices that offer the advantage of a ready-made investment portfolio.
4) Fixed income accounts (guaranteed interest and savings account).
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