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Manulife Bank Access Line of Credit and Access Line of Credit Plus

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A line of credit can be a flexible, low-cost way to access cash or reduce the cost of existing loans. Access Line of Credit and Access Line of Credit Plus may be available to help, whether you want to:

  • Fund a purchase,
  • Access cash without surrendering your existing Manulife investments,
  • Consolidate your existing, high-interest debt (e.g. credit cards, personal loans) or
  • Set up some security for a “rainy day.”

Clients can obtain a line of credit secured against Manulife Investments – such as segregated funds, mutual funds, GIC’s and deposit accounts – or through a life insurance policy with cash surrender value with the following life insurance companies: Manulife, Canada Life, Great West Life, London Life, Sun Life, Equitable Life, Empire Life, RBC Insurance, BMO Life, Ivari or Industrial Alliance. Note if the insurance is not with Manulife the insurance must be in whole life or par policies.


Both lines of credit are available to individuals holding select investments and policies. And both feature:

  • A competitive interest rate.
  • 24-hour access through Internet, Manulife Bank Mobile app, and telephone banking services, ABM withdrawals1, direct payment (debit)1, cheques and pre-authorized payments.
  • Interest-only or blended payments options.

Access Line of Credit is available with a credit limit of $25,000 to $100,000 while Access Line of Credit Plus has an available credit limit of $100,000 plus.

Is it right for you?

One of the keys to financial security is the ability to borrow money quickly and cost-effectively. The best time to prepare for borrowing money is before the need arises so you won’t have to scramble for a loan when you need it. Setting up an Access Line of Credit now gives you peace of mind and it costs you nothing until you use it.

For more information or to find out if Access Line of Credit or Access Line of Credit Plus is right for you:

Contact Manulife Bank

Contact us to learn more about banking with Manulife Bank, including our fees and service charges.

Have questions?