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Whole-in-One Prime 2

What is Whole-in-One Prime 2?

Financial success is not only about how much but how long. And one of the best ways to ensure the longevity of your wealth is to grow it steadily. 

Whole-in-One Prime 2 is designed for individuals looking to build on the foundation of their assets for the longer term. It is a participating insurance plan that provides lifetime protection and potential return.

How we got you covered?

Preserve and grow what you have earned

The plan offers guaranteed cash value, non-guaranteed annual dividends1 and non-guaranteed terminal bonus2 to help you build a potential long term return.

Realization option to lock in potential gains3,4

Starting from the 15th policy anniversary and on every policy anniversary thereafter, you can choose to lock in up to 50% of your terminal bonus balance, without cashing in your policy.

Secure the future for your loved ones

The plan offers life protection for the entire lifetime of the life insured.

Convenience of one-time premium payment

All you have to do is make a single premium payment to enjoy life protection against unforeseen circumstances. No future premium payments will be required.




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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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    Whole-in-One Prime 2 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 guide 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. Annual dividends and the accumulation interest rates of annual dividends (in other words, interest rates for building up dividends left with us) are not guaranteed and we may change them from time to time.
    2. The terminal bonus is not guaranteed. We will review and adjust the terminal bonus at least once a month, but we may do so more often. Please see ‘The main risks affecting the non-guaranteed annual dividends, non-guaranteed terminal bonus and non-guaranteed accumulation interest rate of annual dividends’ paragraph under the ‘Important Information’ section in the product guide.
    3. There may be a delay in making payment when you cash in your policy or exercising the realization option, especially during periods when the market is experiencing significant rises and falls in value. The actual amount of the terminal bonus that you can get will only be determined after your request has been processed. Under certain circumstances, for example, if the request is not received by us before our prevailing cut-off time or is not in our prescribed written format, such amount can be lower or higher than the amount of the terminal bonus tentatively indicated to you at the time you submit the request. Please check with Manulife for the prevailing operational rule and latest amount of terminal bonus under your policy before exercising the realization option.
    4. You can exercise the realization option within 30 days starting from the Realization Anniversary (that is, the 15th policy anniversary or every policy anniversary thereafter) as long as the aggregate realization percentage shall not exceed 50%. To exercise the realization option, you must submit a written application in a prescribed written format required by us. Once submitted, the application for exercising such option cannot be withdrawn and no realized terminal bonus will be allowed to be reversed. Exercise of the realization option will reduce any subsequent future terminal bonus.
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    Important Notice

    Manulife (International) Limited is aware that some customers may be receiving suspicious phone calls from individuals posing as Manulife staff. If you are in doubt about the caller's identity, please call us at (852) 2108 1188 or email us at service_hk@manulife.com for assistance.

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    Important Notice

    Manulife (International) Limited is aware that some customers may be receiving suspicious phone calls from individuals posing as Manulife staff. If you are in doubt about the caller's identity, please call us at (852) 2108 1188 or email us at service_hk@manulife.com for assistance.

    View more
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