MM Manulife HORIZONS PLAN CHARACTERISTICS Issue Age 0-70 years old Modes of Payment Philippine Peso: Annual, Semi Annual, Quarterly and Monthy Premium Paying Period» Minimum S-Pay * Minimum 10-Pay US Dollar: Annual, Semi Annual # Regular-Pay ‘and Quarterly (until age 99) Insurance Coverage Will end upon any ofthe following: Currency Philippine Peso 1. Depletion of Account Value and US Dollar 2. Atiainment of age 99 3, Death of the Insured ‘Minimum Face Amount Death Benefit DBI Face Plus: X%6 of intial Face Amount + 125% of Top Ups + Php 500,000 or USD 12,500 Policy Account Value DB? Level Face: Higher of X% of initial ‘Minimum Annual Premium Philippine Peso ~ 12,000 Face Amount + 125% of Top Ups -125% (Base only) US Dollar - 300 of Partial Withdrawals or Policy Account Value ‘Where Xs: 200 for 5-Pay and 10-Pay 150 for Regular-Pay© Buitt In PROTECTION COVERAGE © Accidental Death Benefit (ADB) Coverage Period Provides additional coverage equal to 150% of Scrat ararn] Seer Face Amount for Reguar-Pay and 200% of Face SBay"| tore : ‘Amount. for Minimum §-Pay and Minimum Saaen 10-Pay,if death is due to accident LL TS © Total Disability Waiver (TOW) Coverage Period Walves premiums if the Insured becomes Fenetraarsun] eer totally disabled and remains disabled for at Say | Pay" | By least 6 consecutive months Premian-pying prod oe 15.60 tained age 6 sce or ‘© Payor's Benefit (PB) ‘coverage Period Walves premium if payor dies or becomes Minenumfinrnun] Requer disabled. SP | OP. Promium paying prod the che sunneert of p65 she payors stalnment of ae 60 Whicever coma fe FEATURES AND BENEFITS Affordable and professionally managed investment funds that can optimize your earning potential Invest in one or a combination of any of the investment funds. Minimum allocation per chosen fund is 20% of the annual premium and subsequent top-ups. ‘9 Peso Secure Fund ‘#Peso Diversified Value Fund ‘¢Peso Dynamic Fund ‘ePeso Growth Fund ‘¢Peso Wealth Optimizer Funds ‘Peso Cash Fund* USD Secure Fund USD Asia Pacific Bond Fund ‘USD ASEAN Growth Fund Note: Additional funds may stil be added in the future. * Avaliable through fund stching only Change in investment allocation of premium to help you manage your investment Change in the investment allocation percentage of incoming basic and recurring top-up premiums may be requested at any time, Free changes in investment allocation per policy yeer Fund switching for best returns possible depending on your risk profile Switching all or part of the account value may be requested at any time. ‘Minimum amour per switch Php 10,000 ‘Minimum fond value reraining 3 pa oie hp 20,000 [FREE switches per year 2 Partial withdrawal giving access to your funds when the need arises Withdrawal from one or several funds allows you to access your accumulated funds when the need for it arises Top-ups to help you build up funds Top-up, for a minimum of Php 5,000 can be done anytime to increase the account value. Contract debt Policy will not lapse during the first five (5) policy years even if the account value drops to zero as long as basic and rider premiums are paid and partial withdrawals made do not exceed all top-up premiums paidOPTIONAL PROTECTION BENEFITS Term Rider Provides level term insurance up to age 70. Premium-paying petiod is the same as the basic plan and is level throughout the paying period, Hospital income Benefit (HIB) Provides daily fixed benefit when confined due to injury crillness up to 1,000 days. Receive 0.2% of the orginal Face Amount up toa maximum of Php 10,000 , doubled if confinement is due to cread disease and ‘tripled if confined in the ICU. Enhanced Critical lliness (ECI) Gives you a lump sum payment if diagnosed with any of the covered critica illnesses. Upon payout of the critical illness benefit, this rider terminates but the basic plan wil still be in-force, REQUIRED CHARGES Maccimax Plans 1 to 4 Personal accident rider that provides benefits for the death, dismemberment, disability and hospitalization due ‘to accident. The riders coverage period is up to age 70. Premium Charge Before premium is allocated for investment, Premium Charge will be applied, as follows: 1 45% 70% 70% 5% 70% 7086 0% o% 50% * 0% oF 0% Policy Fee Policy fee is deducied from the account value every “monthiversary* + ay: PHP 116.67 or USD 2.82 per month fr the fst ve Years ‘= 10-Pay: PHP 83.33 of USD 2.09 per month for the first ten years ‘© Regular-Pay: PHP 83.33 or USD 2.09 per month Cost of Insurance (CO!) COI is deducted every month and varies by insurance coverage, attained age, gender and risk class. Extra mortality charges, depending on the risk class of the Insured, willbe added to the COl and deducted from the ‘Account Value. Fund Management Charge Expressed as a percentage of the net asset value of the Fund. ‘#Feso Secure Fund 1.75% ‘¢Feso Diversified Value Fund 2.00% ‘#eso Dynamic Fund 2.25% ‘°Feso Growth Fund 225% ‘Peso Wealth Optimizer Funds 2.00% ‘Peso Cash Fund* 0.50% ‘USD Secure Fund 2.00% ‘USD Asia Pacific Bond Fund 2.00% ‘USD ASEAN Growth Fund 2.25% Note: Aitional funds may stil be added in the near future, *hasable through fund saiching ony.