Throughout life, as you pursue different goals, you need the security to put those plans into action on your own terms. A plan with guaranteed returns that matures in a comparatively short time can help you take a positive first step towards achieving your goals.
Guaranteed Maturity Returns in Five Years for Greater Confidence - With a 2-year premium payment, the ManuWealth USD Insurance Plan offers you a maturity benefit which is guaranteed at 112%1 of the total premium paid (in USD), at policy maturity in five years’ time.
Life Protection for Peace of Mind - To protect you and your loved ones, the plan provides a death benefit equal to (1) 100% of total premiums due and paid with interest compounded at 3% per annum or (2) 100% of the guaranteed cash value2 whichever is higher.
Flexible Payments for Total Convenience - The plan lets you choose to pay your premiums annually or prepay the second year premium when you join the plan3. By prepaying the premium you can enjoy a guaranteed interest rate of 2.5 % per annum.
Simplified Underwriting for Easy Application - With no medical examination required, application could not be simpler4.
ManuWealth USD Insurance Plan is an insurance product provided and underwritten by Manulife (International) Limited. This webpage is for reference only. For the exact terms and conditions, please see the policy provision. You can ask us for a copy.
1. The return rate figure as shown is subject to rounding adjustment and is for reference only.
2. Cash value varies by the level of guaranteed amount. Please refer to the proposal and policy provision for more information.
3. The premium prepayment will be deposit in a premium dump-in facility maintained by us. The credit balance of the premium dump-in facility in the first policy year, is payable upon policy surrender, or upon the death of the life insured, or upon policy cancellation during the cooling-off period. A surrender charge will be imposed on the credit balance of the premium dump-in facility if the policy surrenders in the first policy year. The charge is 10% of the credit balance of the premium dump-in facility. The surrender charge is not guaranteed and may be reviewed and adjusted by us from time to time. No such charge will be levied on the credit balance of the premium dump-in facility upon the death of the life insured, or upon policy cancellation during the cooling-off period.
4. This is a limited offer and acceptance of your application is subject to product availability at the time of application. We reserve the right to withdraw the ManuWealth USD Insurance Plan at any time without notice
The above provides only general information on this product. Please ask your Insurance/Financial Advisor for a copy of the product leaflet which will give you more details about this product including Important Information.