MM Manulife:
Affluence
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Manulife’s AFFLUENCE MAX GOLD is a single-pay,
variable life insurance product that is designed to give you highest possible returns
on both your investment and built-in insurance protection coverage. It has very
minimal charges that optimize the potential earnings from your policy.
QWYGUARANTEEDIBENEFTT
Life Insurance Protection
Life insurance coverage that provides an amount determined as follows’
Death Benefit = Higher of Face Amount or Account Value
Face Amount
= 125% of Partial Withdrawals
O)WeORE BENEFITS ~
'25% of Single Premium + 125% of Top-Ups
No Medical Examination
New applications or top-up premiums can be
accepted without the nood to provide medical
requirements, subject to certain underwriting
conditions end limits
Fund Switching
‘Transfer investment any time ~ either partially or fuly
‘fom one investment fund to another, for a minimum.
‘of Php 30,000 (USS 600). Minimum fund balance
should be Php 60,000 (USS 1,000), otherwise ful
switchinglredemption must be done. The fist three
(3) fund switches in each policy year are free of
Flexible Investment
charge. Thereafter, itwill be charged a switching fee.
Single premium is invested in one or a combination of any of the available
investment fu
aie Note: Switoning For Paso funds to USD funds and vice
verse are notalowed.
‘Choose from various investment funds to diversify your investment portfolio.
Top-Up Amount
Cte Attional amount/premium of atleast Php 20,000
Requirement (USS 600) is used fo purchase units at relevant price
ty - phe funds selected, Top-up can be done anyime
ee rented value Fund? Minimum allocation is 20% of the toiincrease the Account Value 2s well as fo increase
‘single premium and subsequent the Face Amount of the base policy by 125% of the
Paso Growth Fund”
Peso Dynamic Alocation Fund”
top-up premiums peter
Minimum allocation is similar to the
minimum fund 9
‘Minimum allocation is 20% of the
US Dollar Secure Fund" single premium and subsequent
‘op-up premiums 7
Minimum allocation is USD 12,500,
(F 20% of the single premium and
susequent top-up premiums,
whichever is higher
Peso Cash Fund*“*
US Dollar Asia
US Dollar ASEAN Growth Fund"*
J
‘Soe the product brochure for dotais
Notes:
* Avalable for Peso-denominated Aluence Max Gold
“Available for US Dallar-denominated Affluence Max Gold
available for Peso-denominated Affivence Max Gold thr fund switching oniy
Poorer oN eta eas Uae a= en ORCL sf ManulifePartial Withdrawal
Minimum withdrawal is PhP 30,000 (US$ 600) from one or more
investment funds.
Minimum fund balance is Php 60,000 (US$ 1,000); otherwise full
withdrawal must be done. This can be done anytime, However,
withdrawals made within the first § policy years will have
corresponding surrender charges.
The required minimum initial investment in the USD Asia Pacific
Bond Fund and USD ASEAN Growth Fund is USD 12,500. This
can be in the form of single premium investment, lump sum top-up
or fund switch, The guidelines above on Fund Switching and Top-Up
Amount will apply for as long as the initial minimum investment
requirement is met and there are outstanding units in the USD
‘Asia Pacific Bond Fund end USD ASEAN Growth Fund.
WW REQUIRED CHiaRGES *
Fund Charges
Expressed as percent of fund value that difers by type of Fund,
‘and are charged at the same frequency as the pricing of units
tans
Pecan hares
ora
eterna as
teeta
1.75%
2.00%
2.25%
2.00%
2.00% (of which 0.6% will
go to the Fund Manager,
Manulife Asset Management
(Hong Kong) Limited) |
(cee 8 eng) Erm) |
2.25% (of which 0.9% wall
90 to the Fund Manager,
Manulife Asset Management |
(Hong Kong) Limited)
Tee
PeeWee
Notes:
* Avaliable for Peso-denominated Affuence Max Golé
* Available for US Dolar-denominsted Affuence Max Gold
“availabe for Peso-denominated AMluence Max Gold thas
‘una switching oniy
Cost of Insurance (CO!)
COl is deducted every policy “monthiversary” and varios by
altained age, gender and risk class. Extra mortality charges,
depending on the risk class of the Insured, will be added to
COI and deducted from the Account Value. This is reflected
on the anniversary report.
MM Manulife-
[JOPTIONAL cHaRGES *.
Fund Switching Fee
Fund switching fee of 1% of the amount switched is charged
through cancellation of units from the originating fund after 3 free
‘switches per policy year.
Partial/Full Withdrawal Feo
Surrender charges expressed as a percentage of the amount
withdrawn/surrendered are applied for every partialfull withdrawal
made. These charges are applicable during the first 5 policy yoars.
5%
%
3%
2%
1%
First-Out (FIFO) approach wil be used to determine tho
surrender charge that wil bo appliod to each layer of sn
top-up.
Peso and Dollar amounischarges stated are applicable fo peso-
‘denarhinated Affuence Max Gold and dollr-denemineted fluence Max
Gold, respectwely. The Company reserves the right to change the charges
‘upon approval of the Insurance Commission, and by giving the policyowner
atleast throe (3) months nice.
EAS