MM Manulife: Affluence > 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 ManulifePartial 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