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Important Notice
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.


Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly.  Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

View more

Important Notice
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.


Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly.  Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

View more
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Harvest Saver (Single Premium, 3-year Maturity) 

Manulife ManuLove Care Critical Illness Protection

Limited Offer

Apply to enjoy 4.55% premium discount

Limited Offer

What is Harvest Saver (Single Premium, 3-year Maturity)?

Harvest Saver offers a guaranteed return, allowing you to achieve your financial goals with ease. Moreover, this plan provides life protection throughout the policy term.

This plan is a limited offer subject to capacity.1

The content of this website does not contain the full terms of the polic(ies), and the full terms can be found in the policy document(s).

How we got you covered?

With a single premium payment, and if you keep the policy in force for 3 years until the end of the policy term (maturity date), Harvest Saver will provide you with a guaranteed maturity amount equal to 107.69%2 & 3 of the total premiums due and paid (in USD).

In the unfortunate event of death of the life insured during the policy term, the plan provides a death benefit4 equal to the higher of:

  • 102% of total premiums due and paid,  or
  • 100% of the guaranteed cash value as of the date of death of the life insured5.

With no medical examination required, your application could not be simpler1.



Our experts are here to help you!

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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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    Harvest Saver 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 and does not contain full terms and conditions on this product. For full terms and conditions of this product, please see the policy provision. Please download the product leaflet now or ask your insurance advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

    1. This is a limited offer and acceptance of your policy application is subject to product availability at the time of application. We reserve the right to withdraw the offer of Harvest Saver at any time without notice, as well as reserve the right to accept or decline any application.
    2. The figure(s) as shown is/are subject to rounding adjustment, and is/are for reference only. Guaranteed maturity amount will be calculated based on the total premium due and paid before applying premium discount.
    3. Guaranteed maturity amount is the amount which you will be paid upon policy maturity. This guaranteed maturity amount does not represent the amount of death benefit we will pay.
    4. Any outstanding debt under the policy will first be deducted from the payment of any benefit.
    5. The guaranteed cash value amount is determined based on the guaranteed maturity amount, and therefore varies according to the level of guaranteed maturity amount. Please refer to the proposal and policy provisions for more information.