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ManuFlex Achiever

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Limited Offer

Apply now and meet the designated requirements to enjoy premium waiver for up to 2 months!

Limited Offer

Terms and conditions apply.

What is ManuFlex Achiever?

Different life stages call for different priorities. By combining adjustable levels of protection plus a savings component, ManuFlex Achiever offers you the flexibility to adapt to your needs at every milestone while providing security for you and your loved ones.

How we got you covered?

Flexible payment option

Enhance your savings by contributing any extra money you have on top of your basic premium.

Lifetime protection

You can choose either a level or increasing death benefit1 to help balance your protection and financial needs.

Building up your financial reserves

Earn interest on the account value of your policy at a non-guaranteed crediting interest rate2 while the policy is in force. 

Bonuses

Enjoy a loyalty bonus at a guaranteed rate3 on the 15th policy anniversary plus a non-guaranteed performance bonus4 on the 15th anniversary and every 5 years thereafter.

Free withdrawal of account value

Starting from the 2nd policy year, you can withdraw a certain amount of your account value at no cost. 

Guard your policy to age 85

As long as the premium you’ve paid minus all your withdrawals exceeds all premiums due, your policy will be in force up to age 85.




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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    ManuFlex Achiever is an insurance product provided and underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability). The above provides only general information on this product for your reference only. Please download the product leaflet now or ask your Insurance/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

    1. (1) Level: the greater of
      ‧ the notional amount less all withdrawals (including all amounts debited in accordance with the "Automatic Withdrawal for Supplementary Benefit Premiums Payment" provision to pay for the supplementary benefit premiums) over the last two years prior to death;
      ‧ account value plus 50% of the notional amount.
      (2) Increasing: notional amount plus account value
    2. The crediting interest rate is set by us and is subject to changes from time to time at our sole discretion. The crediting interest rate is guaranteed to be no less than 2% per annum in the first 15 policy years.
    3. The amount of the bonus will depend on the actual premium you have paid, withdrawals you have made, amounts debited in accordance with the “Automatic Withdrawal for Supplementary Benefit Premiums Payment” provision to pay for the supplementary benefit premiums and all basic premium due in the first 15 policy years.
    4. The actual amount of the bonus will depend on the monthly account value of your policy during the relevant period and the non-guaranteed bonus rate declared by the Company.
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