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ManuJoy Annuity Plan

How we got you covered?

Annual income¹ ² for easy planning

Receive an annual income1, 2 starting from the first policy anniversary until the life insured reaches age 85, 90 or 100.

Maintain your desired lifestyle

The guaranteed annual income1 will increase by 3% every year, to let you keep pace with inflation.

Hassle-free payment

You can choose to prepay the 2nd year premium and enjoy a guaranteed annual interest rate of 4.5% for the 2nd year premium.

No medical exam and no health questions

Simply fill in the application form. No medical examination required, no health questions asked.

Protect your family’s future

If the life insured passes away, the plan will pay out a lump sum3 to help relieve the financial pressures on his family.



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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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    ManuJoy Annuity Plan 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. We will not pay any annual income until we receive the full premium for the second policy year.
    2. Annual income consists of guaranteed annual income and non-guaranteed annual dividends. Annual dividends and the accumulation interest rates of dividends and guaranteed annual income (in other words, interest rates for building up dividends and guaranteed annual income left with us) are not guaranteed and we may change them from time to time.
    3. Please see the policy proposal and policy provision for more details on the death benefit.
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