Makati City, Philippines – Have you decided what to do with your hard-earned money? Instead of spending it all, why not invest a portion in a variable life insurance plan that offers regular savings opportunities, high earnings potential and life protection coverage?
Manulife Philippines’ variable life insurance products provide policyowners with a potentially high return on their investments. Funds for this type of life insurance can be invested in separate accounts, which allow for investment in the stocks of prime corporations and bond markets. Policyowners can choose between peso and dollar funds to optimize their return potential.
Thus, Manulife Philippines, a pioneering and leading life insurance company in the Philippines, continues its legacy of offering best-in-class financial products and services through its new variable life insurance product, the Affluence Builder Series.
Manulife’s Affluence Builder Series is a regular-pay variable life insurance product that enables policyowners to maximize their investment potential and enjoy life protection coverage.
The Affluence Builder Series delivers affordable and flexible insurance coverage that can be customized at any time to take full advantage of the most favorable market conditions and enable optimal return for policyholders. You can even build up your investment and increase your protection coverage by an amount equal to 125 percent of top-ups.
There are three (3) Affluence Builder Series variants: Affluence Builder Protect, Affluence Builder Achieve and Affluence Builder Gold — each catering to a distinct need or investment goal. Manulife Philippines designed the Affluence Builder Series to achieve optimal return potential with very low minimum premium payments. For Affluence Builder Achieve and Affluence Builder Gold, protection coverage amount options are 5 to 20 or 5 to 25 times the annual basic premium depending on the variant.
The policyholder may choose to allocate his or her premium among any of the following professionally-managed fund options — Peso Secure Fund, Peso Diversified Value Fund, Peso Growth Fund, US Dollar Secure Fund, US Dollar Asia Pacific Bond Fund and US Dollar ASEAN Growth Fund. These funds managed by Manulife Philippines or by a global network of interconnected investment professionals under Manulife Asset Management, the asset management division of Manulife Financial — are invested in government securities and/or high-quality corporate debt securities and/or pooled funds, depending on the fund. According to Manulife Philippines, as of November 26, 2012, the annualized returns of these funds since inception ranged from 9.19 percent (for Peso Secure Fund) to 28.57 percent (for Peso Growth Fund)—much higher than the interest rates offered by banks for regular savings or time deposit accounts.
For emergencies, policyowners can access their investment when needed through Fund Withdrawal, although this is subject to current rules on withdrawal, minimum fund balance and applicable charges.
Policyowners are also given the chance to earn loyalty bonuses equal to a percentage of the average Account Value, excluding top-up contributions, given at the end of the fifth year and every four years thereafter.
Accidental death benefit and accelerated total and permanent disability insurance coverage are available to the life insured as built-in protection features.
To learn more about Manulife Philippines’ Affluence Builder Series, contact Manulife Philippines at (02) 884-7000 or firstname.lastname@example.org or contact a Manulife financial adviser to find out more about your investment options.
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$515 billion (US$523 billion) as at September 30, 2012. 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.
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.
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