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ManuWise Deferred Annuity

 Manulife ManuWise Deferred Annuity Savings Insurance

What is ManuWise Deferred Annuity?

As a Qualifying Deferred Annuity Policy (‘QDAP’) certified by the Insurance Authority, ManuWise Deferred Annuity gives you not only a stable stream of income in your golden years, but also tax benefits when you’re building your retirement reserves.

Why you should get it?

Save for retirement and get tax benefits

Enjoy tax deductions of up to HK$60,0001 per taxpayer per year for qualifying deferred annuity premiums paid.

Steady stream of retirement income

Start getting a monthly annuity income (guaranteed and non-guaranteed) for 10 or 20 years once the plan is paid up.

Critical Illness Advance Benefit²

Receive advances of future guaranteed annuity income if the life insured is diagnosed with cancer, stroke or a heart attack.

No medical examination

Applying couldn’t be easier. There’s no need for a medical examination or health questions.

Flexible financial planning

You have the option to take a premium holiday for up to two years after the second policy anniversary.



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    ManuWise Deferred Annuity 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. As of April 1, 2019, HK$60,000 is the maximum tax-deductible limit per year per taxpayer, which is the aggregate limit for qualifying deferred annuity premiums and MPF Tax Deductible Voluntary Contributions combined. For details on tax reduction, please consult with the Inland Revenue Department of HKSAR or a professional tax advisor.
    2. This feature is only applicable to premium payment period of 10 years.
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