1M Manulife AFFLUENCE BUILDER PLUS PLAN CHARACTERISTICS © Premium Paying period : Min 5-Pay or Min 10-Pay* * Minimum Face Amount Min 5-Pay — 500,000 or Min 10-Pay — 250,000 Minimum Annual Premium : Min 5-Pay— 100,000 or Min 10-Pay — 50,000 ‘+ FA Multiplier and Issue Age ieee (ine Issue Age FA Multiplier "Issue Age FA Multiplier 35x 0-30 5x- 60x [-ae-60 5x- 25% 3t ~50x | [61-70 | sSx- 15x © Insurance Coverage : Earliest of: 1. Depletion of the Account Value 2. Attainment of age 99 3. Death of the insured * Death Benefit 2 DB1 Face Plus: Face Amount + 125% of Top-Ups + Policy Account Value DB2 Level Face : Higher of Face Amount + 125% of Top-Ups - 125% of Partial Withdrawals or Policy Account Value © Currency Philippine Peso Only ‘* Modes of Payment —: Annual, Semi-Annual, Quarterly and Monthly * The premium-paying period of ether 5 or 10 years snot guaranteed, After the premium-paying period, the monthly charges will continue to be deducted from the Account Value. Hence, clint may stl be required to pay adeltional premiume aftr 5 or 10 years in order to continue coverageBuitt In PROTECTION COVERAGE © Accidental Death Benefit (ADB) Provides additional coverage, equal to 100% of Face ‘Amount, if death is due to accident. Maximum of Php10M for ages 1 - 19 and 61 - 65 or Php20M for ages 20 - 60 per life, whichever is lower (aggregate). © Total isability Waiver (TDW) \Waives premiums if the Insured becomes totally disabled and remains disabled for at least 6 consecutive months. * Payor's Benefit (PB) \Waives premium if payor dies or becomes disabled. Ss a Flexible Investment to Optimize Your Earning Potential from Professionally-Managed Investment Funds 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-Up Peso Secure Fund Peso Diversified Fund Peso Dynamic Fund Peso Growth Fund Peso Cash Fund" Features AND BENEFITS Note: Aina funds nay ti be added in the ear ure. *Avalableas an alteatve invesinere find ng fr sth wenscton 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 year 4. es = Coverage Period Minimum | Minimum 5-Pay | 10-Pay 1-65 1-60 Up to attained age 70 Coverage Period Minimum | Minimum 5-Pay | 10- Pay 15-60 | 15-60 | Premnium-paying period or attained age 65, whichever comes first = Coverage Period Minimum | Minimum 5-Pay | 10-Pay Premiurn-paying period, the child's AE __| attainment of age 25 or the payors Payor | attainment of age 60, whichever 18-55 | comes first Fund Switching for Best Returns Possible Depending on Your Risk Profile Switching all or part of the Account Value may be request at any time. ee {Min amount per switch Min fund value remaining a FREE switches per year 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 any to increase the Account Value. Contract Debt Policy will not lapse during the first five policy years even if Account Value drops to zero for as long as the reaular modal premium is paid and NO partial withdrawal is mad=Loyalty Bonus Providing Opportunity to Gain Incentive for Being a Loyal Policyholder A non-guaranteed benefit given at the end of the Sth policy year and every 4 years thereafter. It is the percentage of the average Account Value (see table below), excluding Top-Up contributions, for the past 48 months subject to the following provisions: ** Regular premiums are paid '* All withdrawals made should be less than all Top-Up premiums paid Premium Payment Period Loyalty Bonus Minimum 5-Pay 3% Minimum 10-Pay 25% es OPTIONAL PROTECTION BENEFITS Term Rider Provides level term insurance up to age 70. Premium-paying period is the same as that of the basic plan and is level throughout the paying period. Hospital Income Benefit (HIB) Provides daily fixed benefit when confined due to injury or illness up to 1,000 days, Receive 0.2% of the original Face Amount up to a maximum of Php10,000, doubled if confinement is due to read disease and tripled if confined in the ICU. Enhanced Critical Illness (ECI) Gives you a lump sum payment if diagnosed of any one of the 60 covered critical nesses. Upon payout of the critical illness benefit, Required CHARGES Premium Charge Before premium is allocated for investment, Premium Charge will be applied, as follows: ‘istyear 2nd year onwards Minimum 5-Pay 45% 0% Minimum 10-Pay 653 0% Policy Fee Policy Fee of Php 100/month, regardless of payment mode, is deducted every policy “monthiversary” from the Account Value. Cost of Insurance (CO) CO! is deducted every policy “monthiversary” and varies by insurance coverage, attained age, gender and risk class, Extra mortality this rider terminates but the basic plan will still be in-force. The rider’ coverage period is up to age 75 eeu! Minimum 5 - Pay Minimu 10-Pay Up to age 75 Maccimax Plans 1 to 4 Personal Accident rider that provides benefits for the death, dismemberment, disablity and hospitalization due to accident. The rider's coverage period is up to age 70. charges, depending on the risk class of the Insured, will be added to the COI and deducted from the Account Value. Fund Management Charge Expressed as a percentage of the net asset value of the Fund. Peso Secure Fund, 1.75% Peso Diversified Value Fund 2.00% Peso Dynamic Allocation Fund 2.25% Peso Growth Fund 2.25% Peso Cash Fund* 0.50% Note: Adltional funds may sill be add inthe near future * Avaidbe as an alternative irvestment fund during fund sertching transaction