Grow Your Wealth for Those Major Purchases

1. Annual dividends and the accumulation interest rate of annual dividends (in other words, interest rate for building up annual dividends left with us) are not guaranteed and we may change them from time to time.

2. 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 ‘The main risks affecting the non-guaranteed annual dividends, non-guaranteed terminal bonus and accumulation interest rate of the dividends and ‘locked-in’ terminal bonus’ paragraph under the ‘Important Information’ section of the product leaflet.

3. The amount of terminal bonus payable if you cash in the policy could be different from the amount payable if the life insured passes away. In particular, we will not pay the terminal bonus upon the death of the life insured if the sum of the guaranteed cash value and terminal bonus is less than the sum of the total basic plan premium paid plus an amount of US$2,500.

4. There may be a delay in processing your request to cash in your policy or exercise the realization option, especially during periods when the market is experiencing significant rises and falls in value. However, we will carry out your request within six months of you making it. The actual amount of the terminal bonus that you can get will only be determined after your request has been processed. 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. Any terminal bonus that has not been ‘locked in’ may subsequently fall as well as rise and may even become zero. Please see the ‘terminal bonus’ and ‘realization option’ provisions in the policy provision for how exactly the terminal bonus is to be calculated and how exactly the realization option can be exercised.

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 ‘The main risks affecting the non-guaranteed terminal bonus and interest rate for the ‘locked-in’ terminal bonus’ paragraph under the ‘Important Information’ section of the product leaflet.

2. There may be a delay in processing your request to cash in your policy or exercise the realization option, especially during periods when the market is experiencing significant rises and falls in value. However, we will carry out your request within six months of you making it. The actual amount of the terminal bonus that you can get will only be determined after your request has been processed. 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. Any terminal bonus that has not been ‘locked in’ may subsequently fall as well as rise and may even become zero. Please see the ‘terminal bonus’ and ’realization option’ provisions in the policy provision for how exactly the terminal bonus is to be calculated and how exactly the realization option can be exercised.

3. Additional premium payments will be needed.

4. You will need to apply for the inflation protector option at the time you buy your ManuVision Protector. You can choose not to apply for the option at the time you buy this product, but you cannot add it back later. You will need to pay an extra premium each time you exercise the inflation protector option. The extra premium will be based on the age of the life insured and the premium rate (we may change the premium rate from time to time), at the time the option is exercised. With the inflation protector option, you will have your notional amount increased starting from the first policy anniversary. Please see the policy provision for details.