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2012 News Releases

For Immediate Release

March 5, 2012

Manulife Philippines launches Affluence Max Gold, a product without medical examinations

Makati City, Philippines – Offering the best of both worlds, Manulife Philippines recently introduced a single-pay, variable life insurance product designed to give policyowners the best possible returns on both their investment and their built-in insurance protection coverage.

Affluence Max Gold was created specifically for those in need of a medium to long-term financial protection instrument that only requires a one-time payment, while allowing them to immediately optimize the potential earnings from their policy.

“The product also works in such a way that it gives policyowners several investment options from which they can wholly dictate the allocation of their funds into various types of financial instruments, thus affording them the financial flexibility they desire,” said Indren Naidoo, President and Chief Executive Officer of Manulife Philippines. Investments can be put into a Peso Secure Fund, Peso Growth Fund, Peso Diversified Value Fund, U.S. Dollar Secure Fund and U.S. Dollar Asia Pacific Bond Fund. Affluence Max Gold is available in both Philippine Peso and U.S. Dollar denominations.

Moreover, the plan does not have upfront charges or entry fees. Affluence Max Gold includes a Guaranteed Insurability Offer (GIO) where medical examinations are not required for the applicant, subject to certain issue age limits.1 

Affluence Max Gold also features fund switching, wherein a policyowner is able to switch from one investment fund to another to take full advantage of developments in the financial market; as well as top up amounts and partial or full withdrawals.

To know more about Affluence Max Gold, contact Manulife Philippines at (02) 884-7000 or e-mail phcustomercare@manulife.com or a Manulife financial adviser. You may also visit our website at www.manulife.com.ph.

About Manulife Philippines
The Manufacturers Life Insurance Company opened its doors for business in the Philippines in 1907. Since then, Manulife’s Philippine Branch and later The Manufacturers Life Insurance Co. (Phils.), Inc. (Manulife Philippines) has grown to become one of the leading life insurance companies in the country. Manulife Philippines is a wholly-owned domestic subsidiary of Manulife Financial Corporation.

About Manulife Financial
Manulife Financial is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. In 2012, we celebrate 125 years of providing clients strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife Financial and its subsidiaries were C$500 billion (US$491 billion) as at December 31, 2011. The Company operates as Manulife Financial in Canada and Asia and primarily as John Hancock in the United States.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at manulife.com.

Important Information
The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.

This document was produced by and the opinions expressed are those of The Manufacturers Life Insurance Co. (Phils.), Inc. ("Manulife Philippines") as of the date of writing and are subject to change. The information and/or analysis contained in this material have been compiled or arrived at from sources believed to be reliable but Manulife Philippines does not make any representation as to their accuracy or completeness and does not accept liability for any loss arising from the use hereof.

The information in this document may contain projections or other forward-looking statements regarding future events, targets, management discipline or other expectations, and is only as current as of the date indicated. There is no assurance that such events will occur, and may be significantly different than that shown here. The information in this document including statements concerning financial market trends, are based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons. This material was prepared solely for informational purposes and does not constitute an offer or an invitation by or on behalf of Manulife Philippines to any person to buy or sell any security. This material should not be viewed as a current or past recommendation or a solicitation of an offer to buy or sell any investment products or to adopt any investment strategy. Nothing in this material constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances, or otherwise constitutes a personal recommendation to you.

Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield include changes in the credit standing of the issuers and changes in the value of the stocks and dividends received. Further, investments of the Funds may provide that their values be determined based on prices or yields of other securities, instruments or foreign currencies, and such provisions may result in negative fluctuations in the value of these investments and, in turn, the Funds’ yields. Thus, the performance of the separate account(s) is not guaranteed and the value of the policy could be less than the capital invested subject to any specified minimum guarantees. THE VARIABLE LIFE POLICYHOLDER SHALL BEAR ALL INVESTMENT RISKS. Past performance of the Funds is not necessarily indicative of future performance. Yields are not guaranteed. Yields indicated are exclusive of charges associated with the variable life policy. 


Media Contacts:
Chuck Jimenez/Mikey De Quiros
Full Circle Communications
(02) 637-1116 / 637-1118
chuck.jimenez@fullcirclecomms-pr.com /



Lils Liwanag
Manulife Philippines
(02) 884-5433 locals 5416/1761



1 Subject to issue age and amount limits up to PhP 25 million or US$ 500,000 for ages 0-50 and up to PhP 12.5 million or US$250,000 for ages 51-70