MLS-015-T16 4pp Bro_2.ai
1
3/3/16
11:33 am
You have the flexibility of withdrawing the accumulated Guaranteed Monthly Income, Annual Monthly Income and cash bonus
with interest subsequently. The minimum amount for a withdrawal is S$500 or the balance available. This withdrawal will not
affect future monthly income amounts.
11
3% per annum is the current interest rate. It is non-guaranteed and based on the projected investment rate of return of 4.75%
per annum. The rate is subject to change by Manulife with 30 days advance notice to the Policy Owner.
12
Please refer to the product summary and policy contract for details of the death benefit.
Important Notes:
the cushioning
for the years ahead.
Manulife RetireReady is underwritten by Manulife (Singapore) Pte. Ltd. (Registered number 198002116D).
Buying a life insurance policy is a long-term commitment. If you end the policy early, it usually involves high costs and the cash-in value
(also known as surrender value) (if any) may be less than the total premiums you have paid. This brochure is for general information only
and does not take account of your specific investment objectives, financial situation and any of your particular needs. You should seek
advice from a financial adviser before making a commitment to purchase the plan. In the event that you choose not to seek advice from
a financial adviser, you should consider carefully whether this plan is suitable for you. This brochure is not a contract of insurance and is
not an offer or recommendation to buy the plan and the riders. The specific details which apply to this insurance plan and the riders are
set out in the policy contract.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance
Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types
of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife
(Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg). If there is any
difference between the English and Chinese versions, the English version will apply.
Information is correct as of 8 March 2016.
RetireReady
00000000-0
10
Promo
Total projected payout comprises of Guaranteed Monthly Income, non-guaranteed cash bonus and additional monthly income
(if any). As non-guaranteed cash bonus is not guaranteed, the actual benefits payable may vary according to the future performance
of Manulife’s Participating Fund.
Terms & Conditions
9
Grid / Logos usage
Projection is based on 4.75% per annum investment rate of return. The bonus rates used for the benefit illustrated are not
guaranteed. The actual benefits payable may vary according to the future performance of Manulife’s Participating Fund.
AS:
Jolene
8
CW:
Rachel
Annual premium quoted is based on male, age 40 (retirement age 65) for premium payment term of 20 years, with a Guaranteed
Monthly Income of S$3,000 up to age 90.
Head Of Studio:
Jessica
7
Traffic:
Farhan
If the life insured suffers a Total and Permanent Disability before the policy anniversary immediately after their 65 th birthday and
at any time during the premium payment period, you will not have to pay (waive) the future premiums for this policy.
Product / Prices
6
GH/CD:
Francis Ooi
At any time during the income payout period, if the life insured meets the Loss of Independence definition, we will pay a Loss of
Independence income equivalent to the Guaranteed Monthly Income. This will start from the next retirement income payment
date, after the end of the deferment period. Deferment period means the 90-day period from the claim date (including the claim
date). We will pay the Loss of Independence income together with the retirement income benefit as long as the life insured meets
the Loss of Independence definition. You cannot leave the Loss of Independence income due under this benefit with us. This
benefit ends immediately on the date the life insured recovers and is no longer in the state of Loss of Independence. If the life
insured has recovered but loses independence again, you are entitled to this benefit again as long as the life insured continues
to meet the Loss of Independence definition. For the full definition of Loss of Independence and the 6 activities of daily living,
please refer to the product summary and policy contract.
AD:
Huiyu
5
Be ready for a more
comfortable retirement
Insertion Date:
4-3-16
We may declare an annual bonus from the second policy anniversary until the policy anniversary immediately before the life
insured’s retirement age. We will keep the declared annual bonus, however it will not earn any interest. We will pay the
accumulated annual bonus as a lump sum when the life insured dies. If you cash in the policy, we will pay the cash-in value of
accumulated annual bonus.
Colour:
4C
4
Media:
4pp Brochure
The total yield varies depending on the different combination of entry age, premium payment term, retirement age and Income
Payout Period. The total return of 4.43% per annum is applicable only upon policy maturity. It is based on the assumption that
a 31 years old customer has opted to pay premiums annually for 5 years, and start receiving retirement income from retirement
age of 60 till age 80.
Client:
Manulife
3
Job No:
MLS/015/T16
The guaranteed return varies depending on the different combination of entry age, premium payment term, retirement age and
Income Payout Period. The guaranteed return of 2.57% per annum is applicable only upon policy maturity. It is based on the
assumption that a 25 years old customer has opted to pay premiums annually for 10 years, and start receiving retirement income
from retirement age of 70 till 90.
Size:
Studio Artist:
Open Size: 210mm(h) x 297mm(w)
Closed Size: 210mm(h) x 148.5mm(w) Mei Ching
2
Date & Time:
2-3-16, 12.00
We (“Manulife (Singapore)”) will pay you the Guaranteed Monthly Income (less any policy debt), starting one month after the
policy anniversary immediately after the life insured reaches the chosen retirement age and we will pay this till the end of your
chosen income payout period. For a single-life policy, the life insured will also be the policy owner.
PROPRIETARY/CONFIDENTIAL-RetireReady Brochure Front
1
System No:
Footnotes
Guaranteed Monthly Income1 of up to 2.57%2 per annum, starting from your
selected retirement age
Payouts assuming Jason converts his accumulated annual bonus into Additional Monthly Income:
Earn additional income with annual bonus before retirement and cash bonus after your selected
retirement age boosting your total income up to 4.43%3 over the life of the plan.
2
Monthly Income Payout
Total Monthly
Premium Paid
The flexibility of choosing your:
Desired Retirement Age – At 55, 60, 65 or 70 years old
S$2,066
Income Payout Period – Up to 80 or 90 years old, or for life
every month
for 20 years
Desired retirement Guaranteed Monthly Income
Non-guaranteed8
cash bonus
Additional Monthly
Income
Promo
1
Jason, age 40, plans to retire at age 65 and would like to receive a Guaranteed
Monthly Income of S$3,000 up to age 90. He selects RetireReady and will pay
his premiums annually for 20 years.
Grid / Logos usage
Manulife RetireReady is a retirement income plan that gives you the certainty of a
Guaranteed Monthly Income, flexibility and 2x Guaranteed Monthly Income should you
face Loss of Independence.
System No:
Example of how Manulife RetireReady
can help in retirement planning
Terms & Conditions
Be ready for a more
comfortable retirement
00000000-0
11:33 am
Total Projected Payout
S$1,471,800
at 90 years old
S$3,000
AS:
Jolene
3/3/16
Product / Prices
2
GH/CD:
Francis Ooi
MLS-015-T16 4pp Bro_2.ai
Guaranteed
Monthly Income
Accumulated annual bonus at
retirement age: S$169,050
Jason has other income options
If Loss of Independence occurs during your income payout period, you will receive 2x
Guaranteed Monthly Income.
At age 65, he can also choose to receive his retirement income in one of the 3 other ways:
1
What is Loss of Independence?
Loss of Independence occurs when a customer becomes unable to perform at least 3 of
the following 6 activities of daily living:
4
2. Dressing
3. Transferring
4. Mobility
5. Toileting
Withdraw accumulated
annual bonus, with lower
monthly payouts
2
Withdraw 100% of the accumulated
annual bonus and choose to receive
his Guaranteed Monthly Income and
non-guaranteed cash bonus during
the income payout period.
6. Feeding
Earn further
interest on his
money
Accumulate10 his Guaranteed
Monthly Income, converted
Additional Monthly Income
and cash bonus with Manulife
to earn interest11.
3
Instantly
redeem the
total cash value
Fully withdraw his total
cash value which will be
more than the total
premiums paid.
Waiver of premiums
In addition to the payout benefits above,
If Total and Permanent Disability occurs during your Premium Payment Period, your premiums
will be waived6.
i)
5
Your capital is 100% guaranteed upon retirement age
ii) If Jason suffers Loss of Independence5 during his income
payout period, he will receive an additional S$3,000
Guaranteed Monthly Income.
6
Guaranteed policy acceptance without the need for a medical check up
iii) Jason also benefits from protection for loss of life12
throughout the policy term.
Premium payment will be waived6 if Jason suffers from
Total and Permanent disability during his premium
payment period.
Be ready for a more comfortable retirement
Speak to us today
Call +65 6883 6366
Visit manulife.com.sg/retireready
Head Of Studio:
Jessica
2x Guaranteed Monthly Income for Loss of Independence5
AD:
Huiyu
2.27%
Traffic:
Farhan
Total Guaranteed Monthly Income
S$3,000 x 12 x 25yrs
= S$900,000
Insertion Date:
4-3-16
Additional Monthly Income that enhances your Guaranteed Monthly Income
Colour:
4C
•
Guaranteed return
at maturity:
Media:
4pp Brochure
A full payment or
Total projected payout
S$58,872/yr x 25yrs = S$1,471,8009
Client:
Manulife
Additional Monthly Income = S$751/mth
•
1. Washing
= S$1,155/mth
Job No:
MLS/015/T16
3
Non-guaranteed8
cash bonus
Size:
Studio Artist:
Open Size: 210mm(h) x 297mm(w)
Closed Size: 210mm(h) x 148.5mm(w) Mei Ching
At your selected Retirement Age, you can choose to receive any accumulated annual bonus as
Total premium payment
S$2,066/mth x 20yrs = S$495,8407
Date & Time:
2-3-16, 12.00
4
PROPRIETARY/CONFIDENTIAL-RetireReady Brochure inside
Mode of payment – By cash or Supplementary Retirement Scheme
CW:
Rachel
Premium Payment Period – For 5, 10 or 20 years or single premium
Guaranteed Monthly Income1 of up to 2.57%2 per annum, starting from your
selected retirement age
Payouts assuming Jason converts his accumulated annual bonus into Additional Monthly Income:
Earn additional income with annual bonus before retirement and cash bonus after your selected
retirement age boosting your total income up to 4.43%3 over the life of the plan.
2
Monthly Income Payout
Total Monthly
Premium Paid
The flexibility of choosing your:
Desired Retirement Age – At 55, 60, 65 or 70 years old
S$2,066
Income Payout Period – Up to 80 or 90 years old, or for life
every month
for 20 years
Desired retirement Guaranteed Monthly Income
Non-guaranteed8
cash bonus
Additional Monthly
Income
Promo
1
Jason, age 40, plans to retire at age 65 and would like to receive a Guaranteed
Monthly Income of S$3,000 up to age 90. He selects RetireReady and will pay
his premiums annually for 20 years.
Grid / Logos usage
Manulife RetireReady is a retirement income plan that gives you the certainty of a
Guaranteed Monthly Income, flexibility and 2x Guaranteed Monthly Income should you
face Loss of Independence.
System No:
Example of how Manulife RetireReady
can help in retirement planning
Terms & Conditions
Be ready for a more
comfortable retirement
00000000-0
11:33 am
Total Projected Payout
S$1,471,800
at 90 years old
S$3,000
AS:
Jolene
3/3/16
Product / Prices
2
GH/CD:
Francis Ooi
MLS-015-T16 4pp Bro_2.ai
Guaranteed
Monthly Income
Accumulated annual bonus at
retirement age: S$169,050
Jason has other income options
If Loss of Independence occurs during your income payout period, you will receive 2x
Guaranteed Monthly Income.
At age 65, he can also choose to receive his retirement income in one of the 3 other ways:
1
What is Loss of Independence?
Loss of Independence occurs when a customer becomes unable to perform at least 3 of
the following 6 activities of daily living:
4
2. Dressing
3. Transferring
4. Mobility
5. Toileting
Withdraw accumulated
annual bonus, with lower
monthly payouts
2
Withdraw 100% of the accumulated
annual bonus and choose to receive
his Guaranteed Monthly Income and
non-guaranteed cash bonus during
the income payout period.
6. Feeding
Earn further
interest on his
money
Accumulate10 his Guaranteed
Monthly Income, converted
Additional Monthly Income
and cash bonus with Manulife
to earn interest11.
3
Instantly
redeem the
total cash value
Fully withdraw his total
cash value which will be
more than the total
premiums paid.
Waiver of premiums
In addition to the payout benefits above,
If Total and Permanent Disability occurs during your Premium Payment Period, your premiums
will be waived6.
i)
5
Your capital is 100% guaranteed upon retirement age
ii) If Jason suffers Loss of Independence5 during his income
payout period, he will receive an additional S$3,000
Guaranteed Monthly Income.
6
Guaranteed policy acceptance without the need for a medical check up
iii) Jason also benefits from protection for loss of life12
throughout the policy term.
Premium payment will be waived6 if Jason suffers from
Total and Permanent disability during his premium
payment period.
Be ready for a more comfortable retirement
Speak to us today
Call +65 6883 6366
Visit manulife.com.sg/retireready
Head Of Studio:
Jessica
2x Guaranteed Monthly Income for Loss of Independence5
AD:
Huiyu
2.27%
Traffic:
Farhan
Total Guaranteed Monthly Income
S$3,000 x 12 x 25yrs
= S$900,000
Insertion Date:
4-3-16
Additional Monthly Income that enhances your Guaranteed Monthly Income
Colour:
4C
•
Guaranteed return
at maturity:
Media:
4pp Brochure
A full payment or
Total projected payout
S$58,872/yr x 25yrs = S$1,471,8009
Client:
Manulife
Additional Monthly Income = S$751/mth
•
1. Washing
= S$1,155/mth
Job No:
MLS/015/T16
3
Non-guaranteed8
cash bonus
Size:
Studio Artist:
Open Size: 210mm(h) x 297mm(w)
Closed Size: 210mm(h) x 148.5mm(w) Mei Ching
At your selected Retirement Age, you can choose to receive any accumulated annual bonus as
Total premium payment
S$2,066/mth x 20yrs = S$495,8407
Date & Time:
2-3-16, 12.00
4
PROPRIETARY/CONFIDENTIAL-RetireReady Brochure inside
Mode of payment – By cash or Supplementary Retirement Scheme
CW:
Rachel
Premium Payment Period – For 5, 10 or 20 years or single premium
MLS-015-T16 4pp Bro_2.ai
1
3/3/16
11:33 am
You have the flexibility of withdrawing the accumulated Guaranteed Monthly Income, Annual Monthly Income and cash bonus
with interest subsequently. The minimum amount for a withdrawal is S$500 or the balance available. This withdrawal will not
affect future monthly income amounts.
11
3% per annum is the current interest rate. It is non-guaranteed and based on the projected investment rate of return of 4.75%
per annum. The rate is subject to change by Manulife with 30 days advance notice to the Policy Owner.
12
Please refer to the product summary and policy contract for details of the death benefit.
Important Notes:
the cushioning
for the years ahead.
Manulife RetireReady is underwritten by Manulife (Singapore) Pte. Ltd. (Registered number 198002116D).
Buying a life insurance policy is a long-term commitment. If you end the policy early, it usually involves high costs and the cash-in value
(also known as surrender value) (if any) may be less than the total premiums you have paid. This brochure is for general information only
and does not take account of your specific investment objectives, financial situation and any of your particular needs. You should seek
advice from a financial adviser before making a commitment to purchase the plan. In the event that you choose not to seek advice from
a financial adviser, you should consider carefully whether this plan is suitable for you. This brochure is not a contract of insurance and is
not an offer or recommendation to buy the plan and the riders. The specific details which apply to this insurance plan and the riders are
set out in the policy contract.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance
Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types
of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife
(Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg). If there is any
difference between the English and Chinese versions, the English version will apply.
Information is correct as of 8 March 2016.
RetireReady
00000000-0
10
Promo
Total projected payout comprises of Guaranteed Monthly Income, non-guaranteed cash bonus and additional monthly income
(if any). As non-guaranteed cash bonus is not guaranteed, the actual benefits payable may vary according to the future performance
of Manulife’s Participating Fund.
Terms & Conditions
9
Grid / Logos usage
Projection is based on 4.75% per annum investment rate of return. The bonus rates used for the benefit illustrated are not
guaranteed. The actual benefits payable may vary according to the future performance of Manulife’s Participating Fund.
AS:
Jolene
8
CW:
Rachel
Annual premium quoted is based on male, age 40 (retirement age 65) for premium payment term of 20 years, with a Guaranteed
Monthly Income of S$3,000 up to age 90.
Head Of Studio:
Jessica
7
Traffic:
Farhan
If the life insured suffers a Total and Permanent Disability before the policy anniversary immediately after their 65 th birthday and
at any time during the premium payment period, you will not have to pay (waive) the future premiums for this policy.
Product / Prices
6
GH/CD:
Francis Ooi
At any time during the income payout period, if the life insured meets the Loss of Independence definition, we will pay a Loss of
Independence income equivalent to the Guaranteed Monthly Income. This will start from the next retirement income payment
date, after the end of the deferment period. Deferment period means the 90-day period from the claim date (including the claim
date). We will pay the Loss of Independence income together with the retirement income benefit as long as the life insured meets
the Loss of Independence definition. You cannot leave the Loss of Independence income due under this benefit with us. This
benefit ends immediately on the date the life insured recovers and is no longer in the state of Loss of Independence. If the life
insured has recovered but loses independence again, you are entitled to this benefit again as long as the life insured continues
to meet the Loss of Independence definition. For the full definition of Loss of Independence and the 6 activities of daily living,
please refer to the product summary and policy contract.
AD:
Huiyu
5
Be ready for a more
comfortable retirement
Insertion Date:
4-3-16
We may declare an annual bonus from the second policy anniversary until the policy anniversary immediately before the life
insured’s retirement age. We will keep the declared annual bonus, however it will not earn any interest. We will pay the
accumulated annual bonus as a lump sum when the life insured dies. If you cash in the policy, we will pay the cash-in value of
accumulated annual bonus.
Colour:
4C
4
Media:
4pp Brochure
The total yield varies depending on the different combination of entry age, premium payment term, retirement age and Income
Payout Period. The total return of 4.43% per annum is applicable only upon policy maturity. It is based on the assumption that
a 31 years old customer has opted to pay premiums annually for 5 years, and start receiving retirement income from retirement
age of 60 till age 80.
Client:
Manulife
3
Job No:
MLS/015/T16
The guaranteed return varies depending on the different combination of entry age, premium payment term, retirement age and
Income Payout Period. The guaranteed return of 2.57% per annum is applicable only upon policy maturity. It is based on the
assumption that a 25 years old customer has opted to pay premiums annually for 10 years, and start receiving retirement income
from retirement age of 70 till 90.
Size:
Studio Artist:
Open Size: 210mm(h) x 297mm(w)
Closed Size: 210mm(h) x 148.5mm(w) Mei Ching
2
Date & Time:
2-3-16, 12.00
We (“Manulife (Singapore)”) will pay you the Guaranteed Monthly Income (less any policy debt), starting one month after the
policy anniversary immediately after the life insured reaches the chosen retirement age and we will pay this till the end of your
chosen income payout period. For a single-life policy, the life insured will also be the policy owner.
PROPRIETARY/CONFIDENTIAL-RetireReady Brochure Front
1
System No:
Footnotes