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Group Retirement account

You have a Group Retirement account if you have a policy number that’s up to 9 digits long, with no letters in it. You use your email address to sign in.

VIP Room account

You have a VIP Room account if you have a client number that starts with ‘RS’. You use your User ID to sign in.

Forms and support

Here are some tips that might help. Hopefully you find what you’re looking for.

Before we get started, there’s something you should know ...

The difference between your program and your plan   
Your group savings program is the whole package – everything your organization gives you to help you save. Within your program, you put your money in plans, like a group Registered Retirement Savings Plan (RRSP), or a Tax-Free Savings Account (TFSA). Your program might include more than one plan.

Sometimes, you’ll want to change a specific plan within your program. Online, we ask you to pick your plan when you need to. If you need to use a form, pick the one for the plan you want to change.

What do you want to do?

Ongoing contribution 

Put a specific amount of money in your plan more than once, based on a regular schedule (weekly, monthly, etc.).

If your plan lets you contribute online ...

Each contribution must be at least $25.

  1. Sign in.
  2. My Profile -> Add/Change Banking Information to make sure your banking information is up to date.
  3. My Account -> Start Ongoing Contribution.
  4. If you added or changed banking information in Step 2:

If we get everything we need by 4 p.m. ET on a business day, we set up your ongoing contributions that same day. Otherwise, we set them up on the next business day.

  1. Fill out a Pre-authorized cheque plan (PAC) request form.
  2. Send us the form you filled out. It tells you how.

Otherwise ...

  1. Fill out a Pre-authorized cheque plan (PAC) request form.
  2. Send us the form you filled out. It tells you how.


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

One-time contribution

Put a specific amount of money in your plan just once, within the next few days. This is sometimes called a lump sum contribution.

If your plan lets you contribute online ...

Your contribution must be between $100 and $25,000.

1. Sign in.

2. Go to My Profile -> Add/Change Banking Information to make sure your banking information is up to date.

3. Go to My Account -> Make a Lump Sum Contribution.

4. If you added or changed banking information in Step 2:

If we get everything we need by 4 p.m. ET on a business day, we put your money in your plan that same day. Otherwise, we put it in on the next business day. 

Otherwise ...

1. Fill out a form for the plan you want to put money in.
Contribution request - RRSP
Contribution request - TFSA
Contribution request - NRSP

2. Send us the form you filled out. It tells you how.

3. If you send us a cheque:

  • Make it payable to Manulife
  • Write your policy number on it
  • Mail it with the form


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Direct transfer from another plan

Move money directly from one plan to another. The plan you’re moving money into must be part of your program. The plan you’re moving money out of can be another plan you own.

To find out whether you can move money into a specific plan, sign in and go to My Profile -> View My Plan Material or call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

 

  1. Fill out a form for the plan you want to put money in.
    Request to transfer money to Manulife - RRSP, TFSA, LIRA, LRSP, RPP
    Request to transfer money to Manulife - RRIF, LIF, LRIF, PRIF, RLIF
  2. Send us the form you filled out. It tells you how.

If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

To find out whether you can take money out of a specific plan, sign in and go to My Profile -> View My Plan Material or call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Withdrawal

Take money out of your plan by cheque or by direct deposit to your bank account. 

If your plan lets you withdraw online ...

You can take $20,000 or less. For more, use a form.

1. Sign in.

2. If you want us to put the money directly into your bank account, go to My Profile -> Add/Change Banking Information to make sure your banking information is up to date.

3. Go to My Account -> Make a Withdrawal.

4. If you added or changed banking information in Step 2:

If we get everything we need by 4 p.m. ET on a business day, we take your money out of your plan that same day. Otherwise, we take it out on the next business day.

Otherwise ...

1. Fill out a form for the plan you want to take money out of.
Withdrawal request - RRSP, TFSA, LIRA, RPP, NRSP, Annuity
Withdrawal request - RRIF, LIF, LRIF, PRIF

2. Send us the form you filled out. It tells you how.

If you ask for direct deposit, you’ll see the money in your account within 10 business days. Your money won’t go in on a weekend or holiday.


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Direct transfer to another plan

Move money directly from one plan to another. The plan you’re moving money out of must be part of your program. The plan you’re moving money into can be another plan you own.

1. Fill out a form for the plan you want to take money out of.
Withdrawal request - RRSP, TFSA, LIRA, RPP, NRSP, Annuity
Withdrawal request - RRIF, LIF, LRIF, PRIF

2. Send us the form you filled out. It tells you how.

If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

To find out whether you can change your funds, sign in and go to My Profile -> View My Plan Material or call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Current savings

Change the funds you picked for the money that’s already in your plan. This is sometimes called a fund transfer.

If your plan lets you change your funds online ...

Percentages must be in whole numbers.

The lowest amount you can put in a fund is 5%.

1. Sign in.

2. Go to My Investments -> Transfer Between Investments.

If we get everything we need by 4 p.m. ET on a business day, we change your funds that same day. Otherwise, we change them on the next business day.

 

Otherwise ...

1. Fill out a form for the plan you want to change your funds for.
Fund transfer request - RRSP, TFSA, LIRA, RPP, NRSP
Fund transfer request - RRIF, LIF, LRIF, PRIF, RLIF

2. Send us the form you filled out. It tells you how. 

 

Future savings

Change the funds you picked for the money you’re going to put in your plan. This is sometimes called changing your investment instructions.  

If your plan lets you change your funds online ...

Percentages must be in whole numbers.

The lowest amount you can put in a fund is 5%.

1. Sign in.

2. Go to My Investments -> Change My Investment Instructions.

If we get everything we need by 4 p.m. ET on a business day, we change your funds that same day.
Otherwise, we change them on the next business day.

Otherwise ...

1. Fill out an Investment direction for future contributions form.

2. Send us the form you filled out. It tells you how.

 

 


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

 

Update your name, address, marital status, spouse’s info, etc. 

To find out whether you should change your personal information with us or your HR team, sign in and go to My Profile -> View My Plan Material or call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

If your plan lets you change your personal information online ...

1. Sign in.

2. Go to My Profile -> View My Member Information.

Otherwise ...

1. Fill out a form for the plan you want to change your information for.
Request for change - RRSP, TFSA, LIRA, RPP, NRSP
Request for change - RRIF, LIF, LRIF, PRIF, RLIF

2. Send us the form you filled out. It tells you how. 


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Add a new bank account to your plan, or change the bank account that’s already on your plan.

If your plan lets you change your personal information online ...

1. Sign in.

2. Go to My Profile -> Add/Change Banking Information and follow the steps.

3. On the confirmation screen, click the Printer friendly version link under Payer authorization for pre-authorized debit plan form.

4. Some of the form is filled out for you. Print it, fill out the rest, and sign it.

5. Send us the form you filled out. It tells you how. Don’t forget your void cheque!

 

 

 

Otherwise ...

This form lets you add an account to your plan. We don’t remove the old one unless you do the online steps first.

 1. Fill out a Payer authorization for pre-authorized debit plan (PAD) form.

 2. Send us the form you filled out. It tells you how. Don’t forget your void cheque!

 

 

 

 


If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

  1. Fill out a form for the plan you want to change your beneficiary for.
    Request for change - RRSP, TFSA, LIRA, RPP, NRSP
    Request for change - RRIF, LIF, LRIF, PRIF, RLIF

    Did you name an irrevocable beneficiary last time? Make sure they sign the form.

  2. Send us the form you filled out. It tells you how.

If you need help, call us at 1-888-727-7766, Monday to Friday, 8 a.m. to 8 p.m. ET.

Spousal waivers

Endorsements and addendums for locked-in money 

For adding locked-in money to your Retirement Savings Plan (RSP)

For adding locked-in money to your Prescribed Retirement Income Fund (PRIF)

For adding locked-in money to your Prescribed Retirement Income Fund (PRIF)

Termination and transfer forms 

Notice of death forms

VIP Room Support

What do you want to do?

Use your VIP Room account to manage your program online. Go to our sign in page and enter your user ID and password.

You get your user ID when we welcome you to the program. Maybe you got it by email. If not, you got it in a letter we sent to your home.

Your first password depends on how you got your user ID:

 

  • Email - You create your own first password the first time you sign in.
  • Letter - You got your first password in another letter we sent to your home.

The first time you sign in, we ask you to change your password to something you’ll remember.

Protect your privacy! Don’t share your user ID and password with anyone.

  1. Go to our sign in page and click Forgot your password?
  2. Enter your user ID. Then click Continue.
  3. Follow the steps to get a new password and change it to something you’ll remember.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

  1. Go to our sign in page and click Forgot user ID?
  2. Enter the email address you gave us when you set up your account. Then click Continue.
  3. Follow the steps. We’ll tell you what your user ID is.

If you need help, or if you can’t remember the email address you gave us, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Sign up online

Each program's a little different. The information you get from your HR team gives you your first step.

No matter what, watch for your user ID. As soon as you have it, you can sign up for your online account. When you do, we'll ask you to sign up for your program if you haven't already.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Change the amount from your pay that you put in your plan, or change the amount from your pay that you put in your spouse’s plan.

If your plan lets you change your contributions online ...


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Contribution rate.

We work with your employer to make this change. This means there will be a delay between the date you submit your change and the date you see it on your pay.

Otherwise ...

Contact your HR team. They’ll help you change this.


If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

One-time contribution

Put a specific amount of money in your plan just once, within the next few days. This is sometimes called a lump sum contribution. 

To contribute online ...

Use the VIP Room (best choice for all plans)

Your contribution must be between $25 and $100,000.


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Online contribution.

If we get everything we need by 4 p.m. ET on a business day, we put your money in your plan that same day. Otherwise, we put it in on the next business day. 

 

Use online banking (RRSP and TFSA only)


  1. Sign in to your online banking page.
  2. Go to the ‘Pay a bill’ feature.
  3. Go to ‘Add a payee’/‘Add a bill’ to put your plan on your list. Look for:
    Manulife - Group RRSP Member
    or
    Manulife - Group TFSA Member
  4. When it asks for your customer number, enter your member number. It’s under Your personal information on the second last page of your statement.
  5. Follow the ‘Pay a bill’ steps to submit your contribution.

There will be a delay between the date you submit your contribution and the date we put it in your plan.

Otherwise ...

1. Prepare a signed letter. Tell us:


  • Your member number
  • Your sponsor’s client number
  • Which plan you want to put money in

2. Prepare a cheque:


  • Make it payable to Manulife
  • Write your member number on it

3. Send them together to:

Manulife
PO Box 11464, Succ Centre-ville
Montreal QC  H3C 5M3


If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Withdrawal

Take money out of your plan by cheque or by direct deposit to your bank account.

Call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET. If you can take money out of your plan, we’ll explain how it works, how long it takes, and how it affects your taxes.

Direct transfer to another plan at Manulife

Move money directly from one plan to another. The plan you’re moving money out of must be part of your program. The plan you’re moving money into can be another plan you have with us.

Call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET. If you can take money out of your plan, we’ll explain how it works, how long it takes, and how it affects your taxes.

Direct transfer to another financial institution

Move money directly from one plan to another. The plan you’re moving money out of must be part of your program. The plan you’re moving money into can be another plan you have at another financial institution.


  1. Call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET. If you can take money out of your plan, we’ll explain:
    • how it works
    • how long it takes
    • whether you have to pay a transfer fee
    • how it affects your taxes
  2. Ask the other financial institution for the transfer form you need. It might be a government form (T2033 or T2151), or it might be their own form. Make sure they help you fill out the section about the receiving institution.
  3. Fill out the rest of the form. Sign it and date it.
  4. Send us the form you filled out. You can send it by:

Mail

Manulife
PO Box 11464
Succ Centre-ville
Montreal QC  H3C 5M3

Fax

1 866 499-4480

To the attention of your member number and your sponsor’s client number.

Email

retirement_solutions@manulife.com

Put your member number and your sponsor’s client number in the subject line.

Emails are convenient, but not totally secure. They can be lost, misused, opened, or changed before they’re delivered. Encrypting emails is one way to help keep them safe. If you email us, you’re giving us permission to email a reply.


We send your money to the other financial institution within 10 business days. It won’t be on a weekend or holiday. If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

To find out whether you can change your funds, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Current savings

Change the funds you picked for the money that’s already in your plan. This is sometimes called an interfund transfer.


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Interfund transfer.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Future savings

Change the funds you picked for the money you’re going to put in your plan. This is sometimes called changing your investment instructions. 


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Investment instructions.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Both current and future savings (and make them the same)

Change the funds you picked for both the money that’s already in your plan, and the money you’re going to put in your plan. Both kinds of money will be invested exactly the same way – same funds, same percentages.


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Investment instructions.
  4. Follow the steps to change your funds for your future savings. To invest your current savings the same way, be sure to check the box next to Please rebalance my assets (current holdings) now according to the investment instructions I have provided above.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

1. Fill out a Miscellaneous change form.

2. If you named an irrevocable beneficiary last time, get them to sign a Waiver of rights as irrevocable beneficiary form. To find it:


  • Sign in.
  • Click VIP Room - Group Savings & Retirement.
  • Go to Plan your financial future -> Helpful information.

3. Send us the form or forms you filled out. They tell you how.

If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Update your name, address, marital status, spouse’s info, etc.

If your plan lets you change your personal information online ... 

Contact information (street address, email, phone, etc.)


  1. Sign in.
  2. Click VIP Room - Group Savings & Retirement.
  3. Go to Manage your plans -> Personal data.

Name, marital status, SIN, language, or date of birth


  1. Fill out a Miscellaneous change form.
  2. Send us the form you filled out. It tells you how.

Otherwise ...

Contact your HR team. They’ll help you change this.


If you need help, call us at 1 800 242-1704, Monday to Friday, 8 a.m. to 8 p.m. ET.

Tools

Manulife mobile app

Manulife Mobile is the only app you need to manage your group benefits and group retirement plans with Manulife.

Financial wellness assessment

Discover how the Financial Wellness Assessment can help your finances and well-being. 5 minutes is all you need to take action!

Frequently asked questions


  • Administration
  • Transactions
  • Transitioning
  • Investing

You must enrol in your plan before you register to access the secure site.

To enrol: Review the letter or brochure you received from your employer and then visit our enrolment page.

Find your customer number on your account statement (sent by mail). You can also contact us:

By phone: 1-888-727-7766 (weekdays from 8 a.m. to 8 p.m. ET)

By email: gromail@manulife.com

By fax: 1-866-945-5110

Contact us to reactivate your account:

By phone: 1-888-727-7766 (weekdays from 8 a.m. to 8 p.m. ET)

By email: gromail@manulife.com

By fax: 1-866-945-5110

If your plan allows online updates, follow instructions. Otherwise, call 1-888-727-7766.

To update most of your personal information:

  1. Sign in to the secure site;
  2. Go to the My Profile menu, under Member Information click View My Member Information;
  3. Update and submit your information.

To change your beneficiary, if permitted:

  1. Print and complete the GRIP (RRIF, LIF, LRIF, PRIF) form or the form for all other plans;
  2. Email your form to gromail@manulife.com, fax to 1-866-945-5110 or mail to:

Manulife Financial
Attention: GRS Client Services
P.O. Box 396
Waterloo, ON
N2J 4A9

*Emails are convenient, but not totally secure. They can be lost, misused, opened, or changed before they’re delivered. Encrypting emails is one way to help keep them safe. If you email us, you’re giving us permission to email a reply.