What are your dearest aspirations? Is it to be able to finance your children s university education? Is it to retire comfortably? To achieve these asp

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1 Enjoy the dual benefits of wealth and protection ManuLink Jade ManuLink Pearl

2 What are your dearest aspirations? Is it to be able to finance your children s university education? Is it to retire comfortably? To achieve these aspirations, you have to start planning your finances now. ManuLink Jade and ManuLink Pearl are limited payment investment-linked insurance plans, offering a combination of investment rewards1 with the security of life insurance to help you achieve your goals. 1 Returns 2 are not guaranteed and are subject to the performance of the funds. Past performance of the funds is not indicative of future performance. Is it to leave a legacy for your children? Even as you invest in your future, ManuLink Jade or ManuLink Pearl will see to it that you and your family are better protected today with a minimum coverage of death and Total and Permanent Disability 2 (TPD) of RM400, Death and TPD coverage is up to age 99 and 70 next birthday respectively. 3

3 Highlights of ManuLink Jade and ManuLink Pearl $ POTENTIAL RETURNS 1 You have the potential of gaining returns on your investment. SHORT PREMIUM PAYMENT TERM ManuLink Jade and ManuLink Pearl s premium payment term of 8 or 12 years respectively means a short financial commitment term for you. FLEXIBILITY 3 You can withdraw part of your Account Value for emergency or top up your investment amount whenever you have extra cash in hand. You enjoy unlimited fund switches enabling you to take advantage of changes in the financial market. You have the freedom to increase or decrease regular premium savings via the Top-up feature to suit your lifestyle. WELLNESS REWARD 4 Stay healthy and be rewarded! Up to 30% of the total Insurance Charges on basic plan and Accelerated CI benefit, if applicable, will be reinvested into the policy at the end of policy year 10, 20 and 30. RANGE OF INVESTMENT-LINKED FUNDS 5 You have the option of choosing from a range of professionally-managed investment funds to meet your investment needs. Fund Objective Risk Profile Equity Fund Managed Fund Manulife Flexi Invest Fund Dana Ekuiti Dinamik Income Fund Manulife China Value Fund Manulife Emerging Eastern Europe Fund Manulife Asian Small Cap Growth Fund Manulife Progress Fund Manulife Asia- Pacific REIT Fund Aims to capitalize on dynamic broad based growth through equity investments in various sectors of the Malaysian economy that are listed on Bursa Malaysia. Aims to enable investors to participate in the long-term growth of equities, and yet have the protection from a spread of fixed income securities. Seeks to provide medium to long-term capital appreciation and may invest between 0-100% of the Fund s Net Asset Value (NAV) in equities and equity-related instruments and /or fixed income securities. Seeks to maximize medium to long-term capital appreciation by investing in Shariah-approved securities and equity-related securities listed on Bursa Malaysia. Seeks to provide a steady return to investors through accumulation of capital over the long term. Aims to provide capital growth over the medium to long term by investing in large capitalized companies in the Greater China region namely China, Hong Kong and Taiwan markets, as well as China-based companies listed on approved overseas markets. Aims to achieve capital growth through investment, primarily in securities traded on the stock exchanges of Central and Eastern European countries. Aims to provide long-term capital growth by investing mainly in equity related investments and equities of smaller capitalization companies in the Asian and / or Pacific region. Seeks to provide steady long-term capital growth at a reasonable level of risk by investing in a diversified portfolio of small to medium size public-listed companies listed on Bursa Malaysia. Aims to provide long-term capital appreciation and sustainable income through a combined investment in other collective investment schemes, namely REITs and infrastructure funds / trusts within the Asia-Pacific region. Moderate to high risk exposure Low to moderate risk exposure Moderate to high risk exposure Moderate to high risk exposure Low risk exposure High risk exposure High risk exposure High risk exposure High risk exposure High risk exposure 1 Returns are not guaranteed and are subject to the performance of the funds. Past performance of the funds is not indicative of future performance. 3 Terms and conditions apply. Manulife Aims to provide a steady recurring income that is Moderate risk 4 Subject to no claims for death, TPD or Critical Illness in the first 10, 20 and 30 policy years Dividend Fund potentially higher than the prevailing fixed deposit rates exposure respectively and all premiums due are paid to date. Wellness Reward excludes GST and extra rating (if any) chargeable on Insurance Charges. Terms and conditions apply. by investing in stocks which have good dividend payouts. 5 For more details of the funds, please refer to the fund fact sheets available on Manulife 4 Malaysia s website at 5

4 NO LAPSE GUARANTEE + TAX NO LAPSE GUARANTEE 6 You will continue to enjoy coverage even if the Account Value is insufficient to pay the policy charges in the first 5 policy years. INSURANCE COVERAGE 2 You will enjoy insurance coverage for death or TPD. Your death or TPD benefit is the higher of the Face Amount or Account Value. ADDITIONAL PROTECTION You can choose to enhance your life protection with any of the following that caters to your needs. i) Critical Illness - Have access to funds for critical illness treatment without compromising your lifestyle. ii) Premium Protection - Helps to pay the future premiums of your policy. LOYALTY REWARD ManuLink Jade and ManuLink Pearl rewards you for your commitment in consistently paying your premium. For ManuLink Jade, a two percent (2%) extra premium allocation will be payable on the 4 th, 6 th and 8 th annual premium paid. As for ManuLink Pearl, a two percent (2%) extra premium allocation will be payable on the 4 th, 6 th, 8 th, 10 th and 12 th annual premium paid. Loyalty Reward 7 will be paid as long as its terms and conditions are met. INCOME TAX RELIEF You may qualify for income tax relief subject to the requirements of the Inland Revenue Board. PREMIUM ALLOCATION The minimum annual premium is RM6,000. The premium amount that you pay will be allocated to purchase investment units according to the following schedule: ManuLink Jade Premium Allocation 64% 69% 82% 82% 97% 100% Policy Year year 1 year 2 year 3 year 4 year 5 year 6 to 8 ManuLink Pearl Premium Allocation 56% 61% 78% 78% 93% 98% 100% 2 Death and TPD coverage is up to age 99 and 70 next birthday respectively. 6 Terms and conditions apply. Please refer to policy contract for further details. 7 Loyalty Reward is applicable to regular insurance premium including Regular Saver Top-Up attached at inception. For further terms and conditions, please refer to the policy contract. Policy Year year 1 year 2 year 3 year 4 year 5 year 6 year 7 to12 The premium allocation for single and regular top-ups is 95%. 6 7

5 FEES AND CHARGES Policy Fees and Charges Administration Charge 8 Fund Management Charge Insurance Charge Fund Switching Charge Annual Performance Fee Description RM6.36 for monthly payment mode. RM5.30 for other payment modes. Levied at the beginning of every month, by deducting sufficient number of units at the NAV from the Account Value. Fund Name % of the fund Equity Fund 1.50% Managed Fund 1.35% Manulife Flexi Invest Fund 1.50% Dana Ekuiti Dinamik 1.50% Income Fund 0.75% Manulife China Value Fund 1.50% (MCVF) Manulife Emerging Eastern 1.50% Europe Fund (MEEEF) Manulife Asian Small Cap 1.50% Growth Fund Manulife Progress Fund 1.50% Manulife Asia-Pacific REIT Fund 1.50% Manulife Dividend Fund 1.50% Levied at the beginning of every month by deducting sufficient number of units at the NAV from the Account Value. Waived. May be applicable to Manulife Global Fund - Emerging Eastern Europe Fund, the underlying master fund of MEEEF. Such fee is only applicable when the NAV exceeds the Target NAV for the particular financial year ( Excess ). The Annual Performance Fee is equivalent to 8% of the Excess. If the Annual Performance Fee is applicable, the NAV of the underlying master fund will be adjusted accordingly, and therefore, you shall not be imposed to make such payment. For further details, please refer to the policy contract. EXCLUSIONS ManuLink Jade and ManuLink Pearl shall not cover: 1. Death caused by suicide whether sane or insane, within 13 months from the Issue Date or any Reinstatement Date, whichever is later. 2. The standard exclusions for critical illness and disability are applicable. Examples of the exclusions: critical illness and disability caused by intentionally self-inflicted injuries, pre-existing condition, military air force or naval service in time of declared or undeclared war, aviation activities other than as a fare paying passenger on a commercial passenger airline etc. Please note that the list of exclusions above is not exhaustive and the qualifying period may apply. You are advised to refer to the policy contract for full details of exclusions. IMPORTANT NOTES 1. This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. 2. You should satisfy yourself that this plan and the rider will best serve your needs and that the premium payable under the policy contract is an amount you can afford. 3. Please note that a life insurance policy is a long-term commitment and as such it is not advisable to hold the policy for a short period of time in view of the high initial cost. If you terminate your policy in the early years, you may get back less than the amount you have paid. 4. Please be aware that you may deplete the investment-linked funds units when purchasing too many unit deducting riders. 5. In the event of exceptional circumstances, such as high volume of sales of investment in a short period of time, MIB reserves the right to defer or suspend the issuance or redemption of units. 6. Purchase of new units and sale of units will be at the NAV. NAV is the single price at which the policy owner buys and sells the units. 7. Valuation of the underlying assets of the investment-linked funds is on an every business day basis. Transactions are carried out on a forward pricing basis, which means that all transactions carried out today will be based on the unit prices determined at the next valuation date and not the price currently available. 8. The value of the funds shall equal to the fair market value of all the funds assets at the close of business day immediately preceding the Valuation Date, less fund liabilities and less fund management charge. Manulife Insurance Berhad (MIB) will provide at least 90 days prior written notice of any change in the fees and charges. For more details, please refer to the policy contract. 8 Inclusive of Goods and Services Tax (GST). 8 9

6 IMPORTANT NOTES (Cont d) 9. Investment returns are not guaranteed as unit prices may go down as well as up. These investment risks are borne solely by policy owners. Past performance of the funds is not an indication of future performances. 10. If you purchase a Regular Premium Investment-Linked insurance plan that involves a premium of sizable amount which is RM5,000 and above, you should consider purchasing Single Premium Investment-Linked Insurance plan / Top Up as single premium plans / top up offer better allocation rates for investment. However, please note that single premium policies tend to provide lower insurance protection. 11. You are given a Free-Look Period of fifteen (15) days to review the suitability of your newly purchased insurance plan from the receipt date of the policy contract. If you return the policy contract to MIB during this period, the unallocated premium (if any), value of units that have been allocated (if any) at unit price at the next valuation date as well as any fees and charges excluding the Fund Management Charge that have been deducted, less any medical expenses which may have been incurred will be refunded to you and this Policy shall be cancelled. 12. Premium payments can be made annually, semi-annually, quarterly or monthly. 13. The premium and / or policy charges, whichever applicable, may be subject to GST and any other taxes that may be introduced by the Government of Malaysia from time to time, at the prevailing rate. MIB reserves the right to collect from you an amount equivalent to the taxes payable for the premium and / or policy charges, whichever applicable. Your obligation to pay GST and other applicable taxes shall form part of the Terms and Conditions in your insurance policy. 14. This brochure is for general information only and is not to be construed as a contract of insurance and no consideration has been given to the particular circumstances or needs of any person. The precise terms, conditions, definitions and exclusions of this plan are specified in the policy contract issued by MIB. Terms and conditions apply. 15. In the event of any discrepancy between the English, Bahasa Malaysia and Chinese versions, the English version shall prevail. 16. This plan is underwritten by Manulife Insurance Berhad ( M), a company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. It is located at 16 th Floor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, Kuala Lumpur. Mengumpul kekayaan serta menjamin perlindungan 10 FIND OUT MORE BY CALLING OUR CUSTOMER CARE AT OR GET IN TOUCH WITH OUR PROFESSIONAL MANULIFE ADVISOR TODAY! ManuLink Jade ManuLink Pearl

7 Apakah matlamat hidup paling penting bagi anda? Adakah untuk membiayai pendidikan anak-anak anda di menara gading? Adakah untuk bersara dengan selesa? Untuk mencapai segala matlamat ini, anda perlu merancang kewangan anda mulai sekarang. ManuLink Jade dan ManuLink Pearl ialah pelan insurans berkaitan pelaburan dengan pembayaran premium terhad, menggandingkan ganjaran pelaburan1 dengan perlindungan insurans hayat untuk membantu anda mencapai matlamat anda. 1 Pulangan tidak dijamin dan bergantung kepada prestasi dana-dana. Prestasi dana yang lepas tidak menggambarkan prestasi masa hadapan. 12 Adakah untuk mewariskan harta anda kepada anak-anak anda? Sambil anda melabur untuk masa depan anda, ManuLink Jade atau ManuLink Pearl akan memastikan bahawa anda sekeluarga mendapat perlindungan lebih baik hari ini dengan manfaat perlindungan kematian dan Hilang Upaya Menyeluruh dan Kekal2 (TPD) sekurang-kurangnya RM400, Perlindungan manfaat Kematian dan TPD adalah sehingga usia 99 dan 70 pada hari jadi akan datang. 13

8 14 Ciri Kelebihan ManuLink Jade and ManuLink Pearl $ POTENSI PULANGAN 1 Anda berpotensi mendapatkan pulangan atas pelaburan anda. TEMPOH PEMBAYARAN PREMIUM SINGKAT Tempoh pembayaran premium singkat ManuLink Jade dan ManuLink Pearl, iaitu masing-masing 8 atau 12 tahun bermakna komitmen kewangan anda adalah untuk jangka masa yang tidak begitu panjang. FLEKSIBILITI 3 Anda boleh mengeluarkan sebahagian daripada Nilai Akaun anda jika timbul keperluan atau menambah pelaburan bila anda ada tunai lebihan. Anda menikmati kemudahan pertukaran dana secara tidak terhad yang membolehkan anda mengambil kesempatan daripada perubahan dalam pasaran kewangan. Anda bebas untuk menambah atau mengurangkan simpanan premium tetap melalui ciri Tambah Nilai selaras dengan keperluan gaya hidup anda. GANJARAN KESIHATAN 4 Jaga kesihatan dan terima ganjaran! Sehingga 30% daripada jumlah Caj Insurans atas pelan asas dan manfaat CI Dipercepatkan, jika berkenaan, akan dilaburkan semula dalam polisi pada akhir tahun polisi ke-10, 20 dan 30. PILIHAN DANA BERKAITAN PELABURAN 5 Anda boleh memilih daripada rangkaian dana yang diuruskan secara profesional untuk memenuhi keperluan pelaburan anda. 1 Pulangan tidak dijamin dan bergantung kepada prestasi dana-dana. Prestasi dana yang lepas tidak menggambarkan prestasi masa hadapan. 3 Tertakluk kepada terma dan syarat. 4 Dengan syarat tiada tuntutan kematian, TPD atau Penyakit Kritikal dalam tempoh 10, 20 dan 30 tahun pertama polisi dan semua premium telah di bayar kepada tarikh. Ganjaran Kesihatan tidak termasuk GST dan kadar tambahan (jika ada) yang dikenakan ke atas Caj Insurans. Tertakluk kepada terma dan syarat. 5 Untuk maklumat lanjut tentang dana-dana tersebut, sila rujuk kepada lampiran fakta dana yang boleh didapati di laman web Manulife Malaysia di Dana Objektif Profil Risiko Equity Fund Managed Fund Manulife Flexi Invest Fund Dana Ekuiti Dinamik Income Fund Manulife China Value Fund Manulife Emerging Eastern Europe Fund Manulife Asian Small Cap Growth Fund Manulife Progress Fund Manulife Asia- Pacific REIT Fund Manulife Dividend Fund Bertujuan mengambil kesempatan daripada pertumbuhan berasas luas yang dinamik melalui pelaburan ekuiti dalam pelbagai sektor ekonomi Malaysia yang tersenarai di Bursa Malaysia. Bertujuan membolehkan para pelabur melibatkan diri dalam pertumbuhan ekuiti jangka panjang, namun masih dilindungi dengan pelbagai sekuriti berpendapatan tetap. Bertujuan menyediakan kenaikan nilai modal jangka sederhana ke panjang dan boleh melabur antara 0-100% Nilai Aset Bersih (NAB) Dana dalam ekuiti dan instrumen berkaitan ekuiti dan/atau sekuriti berpendapatan tetap. Bertujuan memaksimakan kenaikan nilai modal jangka sederhana ke panjang dengan melabur dalam sekuriti yang diiktiraf oleh Shariah dan sekuriti berkaitan ekuiti yang tersenarai dalam Bursa Malaysia. Bertujuan menyediakan pulangan tetap kepada para pelabur melalui pengumpulan modal dalam jangka masa panjang. Berusaha mencapai pertumbuhan modal dalam jangka pertengahan hingga panjang dengan melabur dalam syarikat bermodal besar di kawasan China Raya, iaitu pasaran China, Hong Kong dan Taiwan dan juga syarikat berpangkalan di China yang disenaraikan di pasaran luar negara yang diluluskan. Bertujuan mencapai pertumbuhan modal melalui pelaburan, terutamanya melalui sekuriti-sekuriti yang diperdagangkan dalam pasaran saham di negara-negara Eropah Tengah dan Eropah Timur. Bertujuan menyediakan pertumbuhan modal jangka panjang dengan melabur dalam pelaburan berkaitan ekuiti dan ekuiti-ekuiti daripada syarikat-syarikat permodalan lebih kecil di wilayah Asia dan / atau Pasifik. Bertujuan menyediakan pertumbuhan modal jangka panjang yang tetap pada paras risiko yang munasabah dengan melabur dalam pelbagai portfolio syarikat tersenarai awam bersaiz kecil dan sederhana di Bursa Malaysia. Berusaha mencapai peningkatan modal jangka panjang dan meraih pendapatan mampan menerusi kombinasi pelaburan dalam skim pelaburan bersama lain, iaitu REITs dan dana infrastruktur / amanah di rantau Asia Pasifik. Berusaha menjana potensi pendapatan berulang kukuh yang lebih tinggi daripada kadar deposit tetap sedia ada dengan melabur dalam saham yang memberikan bayaran dividen yang kukuh. risiko sederhana ke tinggi risiko rendah ke sederhana risiko sederhana ke tinggi risiko sederhana ke tinggi risiko rendah risiko tinggi risiko tinggi risiko tinggi risiko tinggi risiko tinggi risiko sederhana 15

9 JAMINAN TIDAK LUPUT JAMINAN TIDAK LUPUT 6 Anda akan terus menikmati perlindungan walaupun jika Nilai Akaun tidak cukup untuk membayar caj polisi dalam tempoh 5 tahun pertama polisi. PERUNTUKAN PREMIUM Premium tahunan minimum ialah RM6,000. Jumlah premium yang anda bayar akan diperuntukkan untuk membeli unit pelaburan menurut jadual berikut: ManuLink Jade PERLINDUNGAN INSURANS 2 Anda akan menerima manfaat perlindungan bagi kematian atau TPD. Manfaat Kematian atau TPD anda adalah nilai lebih tinggi antara Nilai Muka atau Nilai Akaun. 64% 69% 82% 82% 97% 100% + PERLINDUNGAN TAMBAHAN Anda boleh memilih untuk menambah perlindungan hayat anda dengan mana-mana berikut yang memenuhi keperluan anda. i) Penyakit Kritikal - Boleh mendapatkan dana untuk penyakit kritikal tanpa menjejaskan gaya hidup anda. ii) Perlindungan Premium - Membantu membayar premium masa depan bagi polisi anda. Peruntukan Premium Tahun Polisi tahun 1 tahun 2 tahun 3 tahun 4 tahun 5 tahun 6 hingga 8 GANJARAN SETIA ManuLink Jade dan ManuLink Pearl memberi ganjaran kepada komitmen anda untuk membayar premium secara konsisten. Bagi ManuLink Jade, peruntukan premium tambahan dua peratus (2%) akan dibayar bagi premium tahunan ke-4, ke-6 dan ke-8 yang dibayar. Bagi ManuLink Pearl, peruntukan premium tambahan dua peratus (2%) akan dibayar bagi premium tahunan ke-4, ke-6, ke-8, ke-10 dan ke-12 yang dibayar. Ganjaran Setia 7 akan dibayar selagi terma dan syaratnya dipenuhi. ManuLink Pearl 78% 78% 93% 98% 100% TAX PELEPASAN CUKAI PENDAPATAN Anda mungkin layak menerima pelepasan cukai pendapatan tertakluk kepada ketetapan Lembaga Hasil Dalam Negeri. Peruntukan Premium 56% 61% 2 Perlindungan manfaat Kematian dan TPD adalah sehingga usia 99 dan 70 pada hari jadi akan datang. 6 Tertakluk kepada terma dan syarat. Sila rujuk kontrak polisi untuk butiran lanjut. 7 Ganjaran Setia diberi bagi premium insurans tetap termasuk Tambah Nilai Simpanan Tetap semasa permulaan. Untuk terma dan syarat lanjut, sila rujuk kontrak polisi. Tahun Polisi tahun 1 tahun 2 tahun 3 tahun 4 tahun 5 tahun 6 tahun 7 ke12 Peruntukan premium bagi tambah nilai tunggal dan tetap ialah 95%

10 YURAN DAN CAJ Yuran dan Caj Polisi Caj Pentadbiran 8 Caj Pengurusan Dana Caj Insurans Caj Pertukaran Dana Yuran Prestasi Tahunan RM6.36 sebulan bagi mod bayaran bulanan. RM5.30 sebulan bagi mod bayaran lain. Dikenakan pada awal setiap bulan dengan menolak dengan secukupnya bilangan Unit pada NAB daripada Nilai Akaun. Nama Dana % daripada Dana Equity Fund 1.50% Managed Fund 1.35% Manulife Flexi Invest Fund 1.50% Dana Ekuiti Dinamik 1.50% Income Fund 0.75% Manulife China Value Fund 1.50% (MCVF) Manulife Emerging Eastern 1.50% Europe Fund (MEEEF) Manulife Asian Small Cap 1.50% Growth Fund Manulife Progress Fund 1.50% Manulife Asia-Pacific REIT Fund 1.50% Manulife Dividend Fund 1.50% Dikenakan pada awal setiap bulan dengan menolak dengan secukupnya bilangan Unit pada NAB daripada Nilai Akaun. Diketepikan Catatan Mungkin dikenakan bagi Manulife Global Fund - Emerging Eastern Europe Fund, dana dasar utama MEEEF. Yuran ini hanya dikenakan apabila NAB melebihi NAB Sasaran bagi tahun kewangan tersebut ( Lebihan ). Yuran Prestasi Tahunan bersamaan dengan 8% Lebihan. Sekiranya Yuran Prestasi Tahunan wajar dikenakan, NAB dana dasar utama akan dilaraskan sewajarnya, dan anda tidak akan dituntut untuk membuat bayaran tersebut. Untuk maklumat lanjut, sila rujuk kepada kontrak polisi. PENGECUALIAN Kejadian yang tidak dilindungi oleh ManuLink Jade dan ManuLink Pearl ialah: 1. Kematian disebabkan bunuh diri, sama ada dalam keadaan siuman atau tidak siuman, dalam masa tiga belas (13) bulan dari Tarikh Pengeluaran atau Tarikh Pengembalian Semula, mana-mana yang kemudian. 2. Pengecualian piawai bagi penyakit kritikal dan kehilangan upaya akan dikenakan. Contoh pengecualian: penyakit kritikal dan kehilangan upaya yang disebabkan oleh kecederaan yang disengajakan, keadaan sedia ada, perkhimatan dalam tentera darat, laut dan udara semasa peperangan diisytiharkan atau tidak diisytiharkan, kegiatan penerbangan selain daripada sebagai penumpang membayar tambang yang menaiki penerbangan penumpang komersial dll. Sila ambil perhatian bahawa senarai pengecualian di atas tidak lengkap dan tempoh kelayakan mungkin dikenakan. Anda dinasihatkan supaya merujuk kepada kontrak polisi untuk butir-butir penuh pengecualian. NOTA PENTING 1. Produk ini produk insurans yang terikat kepada prestasi aset-aset dasar dan bukan produk pelaburan tulen seperti amanah saham. 2. Anda harus yakin yang pelan dan rider ini memenuhi keperluan anda dan premium yang perlu dibayar di bawah kontrak polisi ini adalah jumlah yang mampu anda bayar. 3. Polisi insurans hayat adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang polisi ini bagi jangka yang pendek memandangkan ia mempunyai kos permulaan yang tinggi. Jika anda menamatkan polisi anda pada tahun-tahun yang awal, anda mungkin mendapat balik kurang daripada jumlah amaun yang anda telah bayar. 4. Anda mungkin menghabiskan unit-unit dana Insurans Berkaitan Pelaburan sekiranya membeli terlalu banyak rider yang mengurangkan unit. 5. Sekiranya berlaku keadaan yang tergolong sebagai pengecualian, seperti jualan pelaburan yang banyak dalam jangka masa yang singkat, MIB berhak menangguh atau menggantung pengedaran atau penebusan unit-unit tersebut. 6. Pembelian unit-unit baru dan penjualan unit-unit akan dilakukan pada NAB. NAB adalah harga tunggal yang digunakan bagi pembelian dan penjualan unit oleh pemilik polisi. 7. Penilaian aset-aset dasar dana-dana Insurans Berkaitan Pelaburan dilakukan pada setiap hari niaga. Urus niaga dijalankan atas dasar harga ke hadapan, bermakna setiap urus niaga yang dilakukan pada hari ini adalah berdasarkan harga seunit yang ditentukan pada tarikh penilaian seterusnya dan bukannya harga pada masa tersebut. 8. Nilai dana-dana sama dengan nilai pasaran wajar kesemua aset dana-dana pada penutup hari niaga menjelang Tarikh Penilaian, ditolak dengan liabiliti-liabiliti dana-dana serta caj pengurusan dana. Manulife Insurance Berhad (MIB) akan memberikan notis bertulis sekurang-kurangnya 90 hari sebelum sebarang perubahan dalam yuran dan caj. Bagi maklumat lanjut yuran dan caj, sila rujuk kepada kontrak polisi. 8 Termasuk Cukai Barangan dan Perkhidmatan (GST)

11 NOTA PENTING (Sambungan) 9. Pulangan pelaburan tidak dijamin kerana harga seunit turun naik. Risiko pelaburan ini ditanggung sepenuhnya oleh pemilik polisi. Prestasi dana yang lalu tidak mencerminkan prestasi akan datang. 10. Jika anda membeli Pelan Insurans Berkaitan Pelaburan dengan Premium Berkala yang melibatkan jumlah premium yang besar iaitu RM5,000 dan ke atas, anda patut mempertimbangkan pembelian polisi insurans berkaitan pelaburan premium tunggal/ tambah nilai yang menawarkan kadar peruntukan yang lebih baik bagi pelaburan. Walau bagaimanapun, sila ambil perhatian bahawa polisi premium tunggal kebanyakannya menyediakan perlindungan insurans yang lebih rendah. 11. Anda diberi Tempoh Percubaan Percuma selama lima belas (15) hari dari tarikh penerimaan kontrak polisi untuk menilai kesesuaian pelan insurans yang dibeli. Jika anda memulangkan kontrak polisi kepada MIB dalam tempoh ini, premium yang tidak diperuntukkan (jika ada), nilai unit yang diperuntukkan (jika ada) pada harga seunit pada tarikh penilaian seterusnya serta sebarang caj dan yuran yang telah ditolak kecuali Caj Pengurusan Dana, ditolak sebarang perbelanjaan perubatan yang telah digunakan, akan dibayar balik kepada anda. Polisi ini juga akan dibatalkan. 12. Bayaran premium boleh dibuat secara tahunan, separuh tahunan, suku tahunan atau bulanan. 13. Premium dan / atau caj polisi, yang mana berkenaan, mungkin tertakluk kepada GST dan mana-mana cukai yang diperkenalkan oleh Kerajaan Malaysia dari semasa ke semasa, pada kadar yang ditetapkan. MIB berhak untuk menuntut daripada anda jumlah yang setara dengan cukai yang perlu dibayar bagi premium dan / atau caj polisi, yang mana berkenaan. Kewajipan anda untuk membayar GST dan cukai-cukai lain yang berkenaan akan termaktub dalam Terma dan Syarat polisi insurans anda. 14. Risalah ini bertujuan untuk memberi maklumat am sahaja dan tidak boleh dianggap sebagai kontrak insurans. Pertimbangan tidak diberikan kepada sebarang keadaan atau keperluan sesiapa. Terma, keadaan, pengecualian dan definisi yang tepat pelan ini termaktub dalam kontrak polisi yang diterbitkan oleh MIB. Tertakluk kepada terma dan syarat. 15. Jika terdapat percanggahan antara versi Bahasa Inggeris, Bahasa Melayu dan Bahasa Cina, versi Bahasa Inggeris akan digunakan. 16. Pelan ini ditaja jamin oleh Manulife Insurance Berhad ( M), sebuah syarikat yang didaftarkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank Negara Malaysia. Syarikat ini terletak di Tingkat 16, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, Kuala Lumpur. 享有財富與保障的雙重惠益 20 KETAHUI LEBIH LANJUT DENGAN MENGHUBUNGI KHIDMAT PELANGGAN KAMI DI ATAU HUBUNGI PENASIHAT MANULIFE PROFESIONAL HARI INI! ManuLink Jade ManuLink Pearl

12 您最昂 貴的 願望是什麼 是有能力資助孩子們修完 大學課程 是過著舒適自在 的退休生活 若想達成這些愿望 您就必需從現在起開始進行財務規劃 ManuLink Jade 和 ManuLink Pearl 有限保費繳付期限的投資聯結保險 提供一個由投資收益 1 和人壽保險保障構成的組合 幫助您實現您的目標 1 22 回酬恕不受保證 胥視 相 關 基 金 的 表 現 而 定 基 金 的 過 往 表 現 不 可 被 視 為 未 來業績的指標 還是為兒女留下一筆遺產 即便您投資的是您的未來 ManuLink Jade 或 ManuLink Pearl 也將提供一 筆 RM400,000 最低的死亡與終身全殘 2 (TPD)保險保障 確保您和家人獲 得更妥善的保障 2 死亡及終身全殘(TPD)利益保障分別至下一個生日為99歲及70歲為止 23

13 ManuLink Jade 和 ManuLink Pearl 的特點 潛在回酬 1 您的投資具有賺取高回酬的潛能 基金宗旨風險承受度 Equity Fund Managed Fund 旨在通過投資於馬來西亞證券交易所上巿的馬來西亞各大經濟領域公司的股票, 以達致動力型的廣基增長 旨在讓投資者參與各種股票的長期增長, 卻仍享有多樣化固定收益證券所提供的保障 需承擔中等至高度的風險 需承擔低至中等的風險 保費繳付期限短 ManuLink Jade 和 ManuLink Pearl 的保費繳付期限分別是 8 年或 12 年, 這表示您只需許下短期的財務承諾 靈活自如 3 您可提取部分賬戶值供緊急用途, 或當您擁有一筆額外現金時, 亦可為您的投資加額 Manulife Flexi Invest Fund Dana Ekuiti Dinamik Income Fund 旨在達致中期至長期的資本增值, 並可能將介於 0-100% 的基金淨資產值 (NAV) 投資於股票及與股票相關的投資及 / 或固定收益證券 旨在投資於獲得回教法批准的證券以及在馬來西亞證券交易所上市並與股票相關的證券, 以尋求最高度的中期至長斯資本增長 旨在透過長期的資本累積而為投資者提供穩定的回酬 需承擔中等至高度的風險 需承擔中等至高度的風險 需承擔低度風險 您可享有免費及无限次數的基金轉換, 從金融市場的變化中獲益 您可自由增加或減少定期保費的儲蓄額, 以順應您的生活方式 Manulife China Value Fund 宗旨是投資於大中華地區, 即中港台市場裡大型的資本化公司, 以及總部設在中國並在受批准的海外市場掛牌上市的公司, 以便爭取中期至長期的資本增長 需承擔高度風險 $ 健康獎勵 4 保持健康, 即可獲得獎賞! 可享有健康獎勵高達 30% 之基本保單和 Accelerated CI ( 若附加 ) 的總保險費用 其健康獎勵將分別在 第 10 個, 第 20 個和第 30 個保單年終時將其獎勵投資於保單中 種類繁多的投資聯結基金 5 您可選擇以下一系列由專人管理的投資基金, 以滿足您的投資需求 Manulife Emerging Eastern Europe Fund Manulife Asian Small Cap Growth Fund Manulife Progress Fund 旨在透過重點投資於中歐和東歐國家證券交易所買賣的證券, 以達致資本增長 旨在重點投資於股份有關的投資, 以及亞洲及 或太平洋地區較小型公司的股份, 旨在達致長期資本增長 旨在投資於在馬來西亞證券交易所上市的中小型掛牌公司的合理風險水平多元化投資組合, 以尋求穩定的長期資本增長 需承擔高度風險 需承擔高度風險 需承擔高度風險 Manulife Asia- Pacific REIT Fund 目的是透過其他集合式投資計劃的綜合型投資, 即 REITS 以及亞太區內的基建基金 / 信託基金, 提供長期的資本增值以及可持續的收益 需承擔高度風險 1 回酬恕不受保證, 胥視相關基金的表現而定 基金的過往表現不可被視為未來業績的指標 3 需符合條件與規則 4 只限於該保單在首 10 個,20 個及 30 個保單年內, 沒有提出任何死亡, 終身全殘或頑疾的賠償和繳清任何應繳付的保單保費, 健康獎勵將不包含於保險費用的消費稅和額外保險費用 ( 若有 ) 須符合條件與規則詳情 5 欲知更多有關基金的詳情, 請參閱 Manulife Malaysia 網站 所提供的 24 基金資料表 Manulife Dividend Fund 目的是通過投資於支付豐厚股息的股票, 以提供比現時市場的定存利率具有更高潛能的穩定經常性收入 需承擔中等風險 25

14 不會失效的保證 不會失效的保證 即便您的賬戶值不足以繳付首 5 個保單年內的保險費用, 您仍將繼續享有保障 6 保費配置 最低的年保費為 RM6,000 您所繳付的保費將根據下列成表被配置以購買投資單位 : + 保險保障 2 您將享有死亡及終身全殘 (TPD) 的保險保障 您的死亡或終身全殘利益是您的投保額或賬戶值, 視何者為高 額外保障 您可通過下列選項順應您的需求來加強您的人壽保障 i) 嚴重疾病 - 可動用一筆資金來醫治嚴重疾病, 而不影響目前的生活方式 ii) 保費保障 - 幫助繳付您的保單未來的保費 ManuLink Jade 97% 100% 82% 82% 69% 64% 保費配置 保單年 第 1 年 第 2 年 第 3 年 第 4 年 第 5 年 第 6 至 8 年 忠誠獎勵 ManuLink Jade and ManuLink Pearl 為沒間斷繳付保費的您提供獎勵 ManuLink Jade 所分配的百分之二 (2%) 的額外保費將於繳付第 4 期 第 6 期和第 8 期的年度保費時支付 ManuLink Pearl ManuLink Pearl 所分配的百分之二 (2%) 的額外保費將於繳付第 4 期 第 6 期 第 8 期 第 10 期和第 12 期的年度保費時支付 只要符合條規, 即會支付于忠誠獎勵 7 78% 78% 93% 98% 100% 稅務豁免 56% 61% TAX 您所繳付的保費有資格可符合所得稅減免 請向內陸稅收局查詢相關條件與規則 保費配置 2 死亡及終身全殘 (TPD) 利益保障分別至下一個生日為 99 歲及 70 歲為止 6 需符合條件與規則 請參閱保單合同以了解進一步詳情 7 忠誠獎勵適用於定期保險保費, 包括開始投保時附加的 Regular Saver 加額 欲知進一步的條件與規則, 請參閱保單契約 保單年 第 1 年第 2 年第 3 年第 4 年第 5 年第 6 年第 7 至 12 年 躉繳及定期加額的保單配置率是 95% 26 27

15 費用與收費 收費行政費 8 基金管理費保險費基金切換收費實際績效費 備註 每月付款一次者每月征收 RM6.36 其他付款頻率者每月征收 RM5.30 每個月初征收, 從帳戶值裡扣除按基金資產淨值 (NAV) 計算的足夠單位 基金名稱 基金之 % Equity Fund 1.50% Managed Fund 1.35% Manulife Flexi Invest Fund 1.50% Dana Ekuiti Dinamik 1.50% Income Fund 0.75% Manulife China Value Fund 1.50% (MCVF) Manulife Emerging Eastern 1.50% Europe Fund (MEEEF) Manulife Asian Small Cap 1.50% Growth Fund Manulife Progress Fund 1.50% Manulife Asia-Pacific REIT Fund 1.50% Manulife Dividend Fund 1.50% 每個月初征收, 從帳戶值裡扣除按基金資產淨值計算的足夠單位 豁免 這筆費用可能向 MEEEF 的相關母基金, 即 Manulife Global Fund - Emerging Eastern Europe Fund 基金征收 唯有當淨資產值超過某特定財政年的目標淨資產值 ( 超越值 ) 時, 這筆費用才適用 績效費相等於超越值的 8% 在適合征收實際績效費的情況下, 相關母基金的淨資產值 (NAV) 將會作出相應調整, 因此您無需繳付我們所征收的這筆費用 欲知更進一步詳情, 請參閱保單合同 除外條款 以下是不在 ManuLink Jade 或 ManuLink Pearl 之保障範圍內的某些事項 : 1. 從保單繕發日期或複保日期算起的十三 (13) 個月內, 視何者為後, 在神誌清醒或不清醒的情況下自殺而導致死亡 2. 有關嚴重疾病及殘障除外條款均適用, 例如所招致的嚴重疾病及殘障是屬於蓄意自殘受傷 先存狀況 在已宣戰或未宣戰的情況下服役於海陸空軍, 參與飛行活動等等, 以付費乘客的身份搭乘商業航班除外 上述除外條款恕無法一一盡錄, 並可能須服從相關的等待期, 敬請垂注 欲知除外條款之完整詳情, 宜參閱保單契約 重要提示 1. 此份保單乃與標的資產基金及其投資表現息息相關的保險產品, 並非如同單位信託基金般屬於純投資產品 2. 您應確保此計劃及其附加利益能有效滿足您的需求, 同時負擔得起應繳之保費, 並因此感到滿意 3. 敬請留意, 購買人壽保險是一項長期承諾 由於起始成本偏高, 我們並不鼓勵您短期性持有這份保單 若您在最初幾年內終止您的保單, 您可能取回少於您已繳付的數額 4. 當您添加太多附加利益保單時, 有關保險費將從您的投資戶口中扣除, 您的基金單位可能被塊速耗盡, 務必垂注 5. 在特殊情況下, 例如短期內出現大量脫售投資基金狀況時,MIB 有權延遲或暫緩發出或贖回有關單位 6. 新單位的買進和單位的脫售價位將以有關基金的資產淨值 (NAV) 為準 而資產淨值乃保單持有人在買進及脫售有關單位時的單一價格 7. 標的資產基金之估價將在每個營業日進行 所展開的交易乃以接踵之定價為準, 即表示今日進行的所有交易價位將以下一個估價曰期所確定的單位價為依據, 而非目前的單位價 8. 基金的資產總值相等同其估價日之前一個營業日閉市時所有基金資產之公允市值, 扣除基金負債以及基金管理費 任何費用與收費若有所調整 Manulife Insurance Berhad (MIB) 將提早給予至少 90 天的書面通知, 欲知更多有關費用與收費的詳情, 請參閱保單契約 8 包括消費稅 28 29

16 重要提示 ( 繼續 ) 9. 由於基金單位價起落不定, 因此投資回酬不受保證 任何涉及的投資風險一概由保單持有人自行承擔 須注意基金的過往表現不可作為未來業績的指標 10. 若您購買一份定期保費投資聯結保險計劃, 而涉及的保費高達 RM5,000 及以上, 您就應考慮購買整付保費投資聯結保險計劃 / 加額, 因為它能提供更佳的投資分配率 唯須留意的是, 整付保費保單所提供的保險保障往往比較低 11. 您可在保單契約送達日期算起的十五 (15) 天的免費審察期內審查新購買保單之適合性 若您在此段期間退還保單契約予 MIB, 公司將悉數退還未分配的保費 ( 若有 ) 以及按下一個評估日期之單位價格計算的已配置單位價值 ( 若有 ), 其中不包括已扣除的基金管理收費, 並扣除所耗費的醫檢費用, 而此保單亦就此取消 12. 保費可以每年 每半年 每三個月或每個月繳付一次 13. 保費及 / 或保單收費 ( 視何者適用 ) 均可能須繳付消費稅 (GST) 及其他馬來西亞政府所實施的任何稅務, 並按現行費率計算 MIB 有權向您征收相關稅務, 並予以繳納 假如您的保單週期跨越稅收的生效日期, 所征收的消費稅數額將按比例計算 繳付稅款之義務將構成您簽購保單的條件與規則之一部分 14. 此份冊子只提供一般概述資訊, 不可被視為保險契約之一部分, 其並未曾針對任何人士的特定情況或需求予以考慮 有關此保險計劃之詳細條件與規則 除外條款與定義, 均註明於由 MIB 所發出的保單契約內 必須符合條件與規則 15. 英文 馬來文與中文的版本之間若有任何出入, 應以英文原版本為準 16. 此份保險計劃乃由 Manulife Insurance Berhad ( M) 承保 公司持有執照乃依據 2013 年保險法令所頒發, 並受馬來西亞國家銀行管制 其辦事處地點處於 16 th Floor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, Kuala Lumpur 欲知有關更多詳情, 請撥電 聯絡我們的客戶服務部, 或即日就聯絡您的專業 MANULIFE 顧問! About Manulife Malaysia Manulife Insurance Berhad, a wholly owned subsidiary of Manulife Holdings Berhad, is a member of Canada-based Manulife Financial Corporation. Manulife Insurance Berhad currently serves the needs of more than 300,000 policyholders. Through its subsidiary companies, the Manulife Group offers an innovative range of financial protection and wealth management products and services to meet different customer needs. Manulife Holdings Berhad has been listed on the Main Board of Bursa Malaysia since As at 30 September 2017, assets under management were over RM9.4 billion. Mengenai Manulife Malaysia Manulife Insurance Berhad, sebuah subsidiari milik penuh Manulife Holdings Berhad adalah ahli Manulife Financial Corporation yang berasas di Kanada. Manulife Insurance Berhad kini memberi khidmat kepada lebih daripada 300,000 pemegang polisi. Melalui syarikat-syarikat subsidiarinya, Manulife Group menawarkan produk dan perkhidmatan perlindungan kewangan dan pengurusan harta yang inovatif bagi memenuhi pelbagai keperluan pelanggan. Manulife Holdings Berhad telah disenaraikan di Papan Utama Bursa Malaysia sejak tahun Pada 30 September 2017, aset dalam pengurusan bernilai lebih daripada RM9.4 bilion. Manulife Malaysia 簡介 Manulife Insurance Berhad 乃 Manulife Holdings Berhad 獨資擁有的子公司, 它是總部加拿大宏利金融機構的成員之一 Manulife Insurance Berhad 目前為超過 30 萬名保單擁有人提供服務 Manulife 集團通過其子公司, 提供一系列革新的財務保障與財富管理產品與服務, 以迎合不同顧客之需求 Manulife Holdings Berhad 自 1984 年起在馬來西亞股票交易所主板掛牌上市 截至 2017 年 9 月 30 日止, 它掌管的總資產超過 About Manulife Manulife Financial Corporation is a leading international financial services group providing forward-thinking solutions to help people with their financial decisions. We operate as John Hancock in the United States, and Manulife elsewhere. We provide financial advice, insurance and wealth as well as asset management solutions for individuals, groups and institutions. Our principal operations are in Asia, Canada and the United States where we have served customer for more than 100 years. As at 30 September 2017, we had over C$1 trillion (US$806 billion) in assets under management and administration. Mengenai Manulife Manulife Financial Corporation ialah sebuah kumpulan perkhidmatan kewangan antarabangsa utama yang menyediakan penyelesaian berpandangan jauh untuk membantu individu membuat keputusan kewangan penting. Kami beroperasi sebagai John Hancock di Amerika Syarikat, dan Manulife di tempat lain. Kami menyediakan nasihat kewangan serta penyelesaian insurans dan kekayaan dan pengurusan aset bagi individu, kumpulan dan institusi. Operasi utama kami terletak di Asia, Kanada dan Amerika Syarikat di mana kami telah berkhidmat kepada pelanggan selama lebih daripada 100 tahun. Pada 30 September 2017, kami mempunyai aset di bawah pengurusan dan pentadbiran berjumlah lebih daripada C$1 trilion (US$806 bilion). Manulife 簡介 Manulife Financial Corporation 是一家領先的世界金融服務集團, 旨在為客戶提供高瞻遠矚的財務方案, 協助人們作出重大的財務決策 我們在美國是以 John Hancock 之名稱營運, 在世界其他地區則以 Manulife 的名稱營運 我們為個人 團體 甚至企業機構提供各種財務諮詢服務 財務保障 財務及資產管理方案 我們的業務主要集中在亞洲, 加拿大和美國區域, 並已積極操作逾百年 截至 2017 年 9 月 30 日, 我們旗下所掌管的資產 總值達超過加元 1 兆 (8060 億美元 ) 億令吉 31

17 Manulife Insurance Berhad ( M) 16 th Floor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, Kuala Lumpur Tel: / Fax: facebook.com/manulifemalaysia #ManulifeMalaysia 01/2018

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