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Don’t wait for that rainy day — prepare yourself NOW with our tailor-made insurance plans


Don’t wait for that rainy day — prepare yourself NOW with our tailor-made insurance plans

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We all long for a life of smooth sailing, but reality often falls short of our wishes and expectations. Accidents and illnesses can happen at any time, leaving us with a big problem.

I want to share a story with you about my friend Paul, who was living a happy life with three generations under one roof, until one day his father was diagnosed with coronary heart disease. Paul knew that with no individual insurance, his father would have to wait several months, even a year, for a PTCA procedure at a public hospital. Consumed by worry, Paul decided to spend more than HK$100,000 for his father to undergo the procedure right away at a private hospital. Afterwards, he thought: what if the same thing were to happen to me? Are there any insurance plans that would give me advanced protection? I believe that a good choice for him may be some of the individual insurance plans underwritten by Manulife.


Lifetime protection and savings: La Vie

When asked to recommend a life insurance plan with lifelong protection, La Vie, underwritten by Manulife, immediately comes to my mind. As Paul is familiar with wine, he understands that it becomes better as it ages. Its aroma and richness of flavour develop over time — and so does life. Abundance, wealth and status “grow” along with us. La Vie is a life insurance and savings plan with a short payment term, and to help meet your individual needs, it provides you with guaranteed cash payments. Most important, it provides lifelong protection up to age 100. Here is an overview of the La Vie Plan: 

  • Lifelong protection to age 100 with a short payment period; paid up in 5, 8, 12 or 15 years.
  • Guaranteed and periodic income is provided throughout your lifetime, or up to age 100.
  • Long-term wealth with guaranteed returns and upside potential.
  • Policy loan helps you to deal with uncertainty.
  • Additional protection with supplementary benefits.


Ready for retirement: MyChoice


Paul also realises that it will probably be impossible for him to maintain his current standard of living after retirement, let alone the wonderful life he yearns for when he finally stops working. So, believing it to be his best option, I introduced him to MyChoice, underwritten by Manulife, telling him: “It is an annuity plan, in which you can enjoy guaranteed monthly income upon retirement, and you can also obtain a critical-illness advance benefit when selecting a premium paying period of 10 years or more.” He asked: “Does it provide lifelong protection?” I replied: “Yes, you may select certain plans with a guaranteed-income period of up to age 100.” Here is an overview of MyChoice:
  • Various choices of premium paying periods: 5, 10, 15, 20 years or payment to age 60 or 65.
  • Guaranteed monthly income for 10 or 20 years, or up to age 100.
  • You may also enjoy a critical illness advance benefit if you select a premium paying period of 10 years or more. In case of cancer, stroke or heart attack (myocardial infarction), you will receive timely cash payments to relieve financial stress.
  • Non-guaranteed annual dividends during the term of your policy.
  • An Enhanced Protection Option offering comprehensive life insurance and critical illness cover and a wellness program.
  • Income Advancement Option#providing financial liquidity in advancing up to one-sixth of future Guaranteed Income during Guaranteed Income Period.
  • Premium holiday for up to 2 years.

 # Applicable to plans with Guaranteed Income Periods up to age 100.


Catering for critical illness: Vita

Accidents can happen — and so can critical illnesses. My friend Paul had always been resistant to medical insurance. His impression was that regular medical insurance simply meant that “nothing serious was covered”. But he could not stop lamenting his lack of insurance when talking about his father’s illness. Patting him on the shoulder, I said: “Well, you may want to consider Vita, underwritten by Manulife. This plan provides instant care in case of critical illness and looks after your physical wellbeing with regular body checks.” Here is an overview of Vita:

  • Wellness Program (Note 1) to help ensure a future of good health.
  • critical illnessesDisease Management Program (Note 1) to better manage chronic health conditions.
  • Comprehensive protection against 53 major diseases.
  • Benefits for angioplasty, gender-specific diseases and juvenile diseases.
  • Continuous coverage with Cover-Me-Again Option (Note 2) for up to two times.
  • Second medical opinion (Note 1) for extra peace of mind.
  • Inflation protector option.
  • Level premium (Note 3) with options to pay up your policy in 10, 15 or 20 years, or by age 65



1. Services are provided by an external provider. The company may review the details of the services from time to time without prior notice.

2. Conditions apply. Please refer to policy provisions for details.

3. Level premium will not increase with age attained every year, but is not guaranteed. Premium may increase to reflect any changes in circumstances, such as claims experience.


In addition to the individual insurance plans described above, Manulife also offers other plans, including: life protection & savings, life protection & investment, retirement plans, specific plans for children and women, critical illness protection, quality medical care, accident & disability protection, senior care, life protection and mortgage protection, along with a variety of supplementary benefits.

Want to know more about the plans we offer? Please contact your Manulife insurance/financial advisor.