Prestige 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/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

1. 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 point 4 ‘The main risks affecting the non-guaranteed terminal bonus and the accumulation interest rate of realized terminal bonus’ paragraph in the ‘Important Information’ section of the product leaflet.
   
2. There may be a delay in making payment when you cash in your policy or exercise 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 us for the prevailing operational rules and the latest amount of the terminal bonus under your policy before exercising the realization option.
   
   The accumulation interest rate for building up the realized terminal bonus left with us is not guaranteed and we may change it from time to time. Please see point 4 ‘The main risks affecting the non-guaranteed terminal bonus and the accumulation interest rate of realized terminal bonus’ paragraph in the ‘Important Information’ section of the product leaflet.
3. You can exercise the realization option within 31 days from the Realization Anniversary (that is, the 15th policy anniversary or every anniversary thereafter) as long as the aggregate realization percentage under the policy does 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 Once submitted, the application for exercising such option cannot be withdrawn and no realized terminal bonus will be allowed to be reversed. Exercising the realization option will reduce any future terminal bonus.
4. If the notional amount has ever been adjusted, the premium due and paid shall correspond to the notional amount as at the time when the death benefit is payable.
5. Starting from 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 have insurable interest, without affecting your policy value, provided that:
   i) the age of the new life insured is 60 or below; or the age of the new life insured is not greater than that of the current life insured and is not greater than 75; 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 administrative rules and guidelines which we may determine from time to time at our absolute discretion.