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ManuGrand Saver

Manulife Grand Saver Savings Insurance Plan

Limited Offer

Apply now to enjoy a welcome bonus of up to 12% of annualized premium! 

Limited Offer

How we got you covered?

Three ways for potential long-term savings

Steadily with guaranteed cash value, regularly with annual dividends1 and in the long term with a terminal bonus2,3.

Realization option to lock in gains⁴ ⁵

You have the option to lock in up to 50% of your terminal bonus on your 15th policy anniversary or every anniversary thereafter.

Flexible withdrawal options

You can withdraw the locked-in terminal bonus and/or non-guaranteed annual dividends which have built up on your policy.

Passing wealth on to future generations

The plan gives you the option to change the life insured to another loved one6 to pass on your wealth to the next generation.

Three options for paying your premiums

Pay with a single payment, or over 5 or 10 years to suit your needs.



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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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    ManuGrand 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. 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. Annual dividends and the accumulation interest rate of annual dividends (in other words, interest rate for building up annual dividends left with us) are not guaranteed and we may change them from time to time.
    2. We will pay a terminal bonus if you end your policy and cash it in or if the life insured passes away. 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 accumulation interest rate of the dividends’ paragraph under the ‘Important Information’ section of the product leaflet.
    3. We will not pay the terminal bonus upon the death of the life insured if the sum of the guaranteed cash value and terminal bonus is less than the aggregate sum of relevant premium (see note 7) due and paid.
    4. 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 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.
    5. You can exercise the realization option within 30 days starting from the Realization Anniversary (that is, the 15th policy anniversary, and 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 format required by us. Once submitted, the application for exercising such option cannot be withdrawn and no ‘locked-in’ terminal bonus will be allowed to be reversed. Exercise of the realization option will reduce any subsequent future terminal bonus.
    6. After the first policy anniversary or 1 year after the policy is issued, whichever is later, you have an option to change the life insured to another person with whom you and the beneficiary(ies) have insurable interest, without affecting your policy value, provided that:

      i) the new life insured is aged 60 or below; or the new life insured is younger than the current life insured and aged 75 or below; and

      ii) such application must be completed during the lifetime of both current life insured and new life insured.

      Acceptance of such application is subject to our approval at our absolute discretion as well as our prevailing rules and guidelines. Once the change of life insured is effective, all supplementary benefits (if any) will be terminated, except the Payor Benefit (if any) if the age of new life insured is below 16. In such case, the premium may be adjusted in accordance with any difference in coverage period based on the prevailing premium rate.
    7. Relevant premium means each premium payable under the basic plan which corresponds to the notional amount as at the time when the death benefit is payable.
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