MANULIFE EVE's Compassion is a comprehensive health and protection package designed to

address the distinct needs of every woman.

It is a participating whole life plan which accumulates cash values and earns dividends while
providing life insurance coverage up to age 100.
MANULIFE EVE's Compassion offers you the following benefits:
Life Insurance Protection - The coverage amount of Php300,000.00 will be given to
the designated beneficiaries upon the Insured's death. If alive at age 100, the amount will
be given plus any accumulated dividends and at which point the policy terminates.
Accidental Death Benefit - Manulife will provide additional coverage equivalent to
Php300,000.00 if the Insured's death occurs through accidental means up to Insured's
attainment of age 70.
Waiver of Premium - Manulife will waive the total premiums in the event that, due to
disability, the Insured failed to perform every duty pertaining to her own occupation.
After 24 months, this benefit waives the total package premium in the event the Insured
is unable to engage in any gainful occupation. The disability must be continuous for at
least six (6) months during the Insured's lifetime and must start while the policy is
inforce and before the age of 65.
Accelerated Major Disease Benefit (MDB) - Manulife will advance the payment of
Php285,000.00 if the Insured is diagnosed of having any of the 35 specified major
diseases.
Cancer Benefits - Manulife will pay Female Cancer Benefit of Php60,000.00 if the
Insured is diagnosed as suffering from a Female Cancer (includes Cancer or Carcinomain-situ of breast, cervix uteri, uterus, ovary, fallopian tube or vagina).*
In addition, an Annual Cash Support of Php9,000.00 will be paid for three (3)
consecutive years while the Insured is alive beginning on the date the 'Female Cancer
Benefit' is payable.
Female Surgical Benefits - Manulife will pay a specified amount if the Insured
undergoes a necessary surgical procedure specified in the Table of Surgical Procedures.*
Supplementary benefits which you can opt to add to your plan are also available.

Choose the payment period option that's most convenient and perfect for your budget.
Premiums may be paid in 5 years, 10 years, 15 years or Regular Payment up to age 100.
Live up to the demands of being today's total woman. Be in control of whatever life has to
offer. Enjoy comprehensive protection coverage only through MANULIFE EVE's Compassion!
*subject to certain conditions

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, among the world's largest life insurance companies by market capitalization.
Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. We operate as John Hancock in the U.S.
and as Manulife in other parts of the world. We provide strong, reliable, trustworthy and forward-thinking solutions for our customers 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. Assets under management by Manulife and its subsidiaries were approximately C$691
billion (US$596 billion) as at December 31, 2014.
Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife can be found on the Internet at manulife.com.
A3JZG215513PF34
AE771263AF039NWP-01

Page 1 of 4
This proposal prepared on 01 May, 2015 is valid until 31 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
RJ100 - PACK

Accelerated Major Disease Benefit - On payment of the Accelerated MDB, the life insurance protection coverage will be reduced by 95%.
No benefit will be paid if Major Disease is contracted prior to or within 90 days from the policy's issue date or the approval date of its last
reinstatement (whichever is later). The following major diseases are covered:
Diseases of the Circulatory System
1. Heart Attack (Myocardial Infarction)
2. Coronary Artery Disease Requiring
Surgery
3. Heart Valve Replacement
4. Surgery to Aorta
Diseases of the Nervous System
5. Stroke
6. Benign Brain Tumor
7. Multiple Sclerosis
8. Amyotrophic Lateral Sclerosis
9. Parkinson's Disease
10. Poliomyelitis
11. Encephalitis

Diseases of the Excretory System

12. Kidney Failure
13. Medullary Cystic Disease
Diseases of the Muscular System
14. Muscular Dystrophy
15. Progressive Bulbar Palsy
16. Progressive Muscular Atrophy
17. Hemolytic Streptococcal Gangrene
Hematology-Related Disease
18. Aplastic Anemia

Specific Diseases
19. Cancer
20. Major Organ Transplantation
21. Coma
22. Terminal Illness
23. Major Burns
24. Occupationally Acquired HIV
Forms of Disability
25. Paralysis
26. Blindness
27. Loss of Limbs
28. Loss of Hearing
29. Loss of Speech
30. Total and Permanent Disability

Disease of the Respiratory System

31. End Stage Lung Disease
Diseases of the Digestive System
32. Chronic Liver Disease
33. Chronic Relapsing Pancreatitis
Collagen Diseases
34. Severe Rheumatoid Arthritis
35. Systemic Lupus Erythematosus

Accelerated Major Disease Benefit terminates upon payment of the benefit or up to age 100 of the Insured, whichever is earlier.
Cancer Benefits - Female Cancer Benefit terminates upon the Insured's attainment of insurance age 65. The Female Cancer Benefit is given
to the Insured, subject to the following conditions:
a. the diagnosis is made at least 90 days after the policy's issue date or date of approval of its last reinstatement, whichever is later, and
b. the Insured survives a period of not less than 30 days following diagnosis of a Female Cancer.
Female Surgical Benefits - The surgical procedures enumerated in the table below are covered, provided:
a. the surgery is deemed necessary and is not for cosmetic reason,
b. the Company will pay only once for each surgical procedure stated in the table,
c. the Company will pay only the procedure carrying the highest indemnity among the procedures performed within 60 days prior to
and including the most recent surgical procedure.
d. the diagnosis is made at least 90 days after the policy's issue date or approval date of its last reinstatement.
Description of Procedures

Benefit Amount

Breast
Removal of benign tumor or cyst
Simple Amputation
Radical Amputation
Genito-Urinary Tract
Hysterectomy
Operation on Uterus
Cervix Amputation
Dilation and Curettage
Vaginal Reconstructive Operation
Reconstructive Surgery due to an Injury
2.5 cm and above
Adjacent Tissue Transfer or Rearrangement (10 sq cm and
above)

3,000.00
6,000.00
12,000.00
12,000.00
6,000.00
12,000.00
3,000.00
3,000.00
6,000.00
12,000.00

The Female Surgical Benefit terminates on the Insured's attainment of insurance age 65.
Notes:
1. Pre-existing Condition Limitation - The Company will not pay any benefit in respect of any pre-existing or recurring illness which the Insured
has been diagnosed as suffering or operated, received medical advice or treatment prior to the Policy's issue date or date of approval of its last
reinstatement, whichever is later.
2. This is only an illustration and not a contract of insurance. Please refer to the actual contract's provisions for a full explanation of benefits.
3. All amounts are in Philippine Pesos.
I have carefully read and understood the disclosures in the illustrations. My INSURANCE ADVISER has explained to my satisfaction the principal features of this policy and its
non-guaranteed component. I also understand that the illustration is valid for one (1) month from the date printed. Any alteration shall invalidate this illustration.

Edna Pitogo

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

INSURANCE ADVISER

A3JZG215513PF34
AE771263AF039NWP-01

Page 2 of 4
This proposal prepared on 01 May, 2015 is valid until 31 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
RJ100 - PACK

An insurance illustration especially designed for Edna Pitogo

Age 50 , FEMALE
MANULIFE Eve's Compassion 10-Pay (PESO)

Face Amount

Premium

300,000

32,057.16

Total Annual Premium

Semi-Annual Premium
Quarterly Premium
Monthly Premium

Policy
Year

Attained
Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70

Annual
Premiums

Attained Age
75
85
95
100

32,057
32,057
32,057
32,057
32,057
32,057
32,057
32,057
32,057
32,057
-

MAIN ILLUSTRATION FOR MANULIFE EVE's Compassion 10-Pay (PESO)

NonNonGuaranteed
Total Living
Total Death
Guaranteed
Guaranteed
Guaranteed
Accumulated
Benefits at
Benefits at
Accumulated
Death Benefit
Cash Value
Dividends at
3.0%
3.0%
Dividends at
3.0%
2.0%
300,000
660
660
300,660
660
300,000
3,600
1,469
5,069
301,469
1,462
300,000
26,100
2,473
28,573
302,473
2,451
300,000
40,200
3,687
43,887
303,687
3,640
300,000
53,700
5,133
58,833
305,133
5,048
300,000
67,500
6,820
74,320
306,820
6,682
300,000
82,200
8,767
90,967
308,767
8,559
300,000
97,800
10,995
108,795
310,995
10,695
300,000
114,000
13,527
127,527
313,527
13,111
300,000
131,400
16,390
147,790
316,390
15,830
300,000
134,700
19,468
154,168
319,468
18,733
300,000
138,300
22,692
160,992
322,692
21,747
300,000
141,600
26,060
167,660
326,060
24,870
300,000
144,600
29,581
174,181
329,581
28,107
300,000
148,200
33,250
181,450
333,250
31,450
300,000
151,500
37,070
188,570
337,070
34,902
300,000
155,400
41,050
196,450
341,050
38,468
300,000
158,700
45,177
203,877
345,177
42,132
300,000
162,600
49,454
212,054
349,454
45,897
300,000
166,200
53,887
220,087
353,887
49,764

300,000
300,000
300,000
300,000

183,900
211,800
231,300
300,000

78,540
143,761
240,159
304,431

262,440
355,561
471,459
604,431

378,540
443,761
540,159
604,431

32,057.16
17,083.15
9,068.85
3,142.49

Total Living
Benefits at
2.0%

70,699
122,733
194,535
240,303

Total Death
Benefits at
2.0%

660
5,062
28,551
43,840
58,748
74,182
90,759
108,495
127,111
147,230
153,433
160,047
166,470
172,707
179,650
186,402
193,868
200,832
208,497
215,964

300,660
301,462
302,451
303,640
305,048
306,682
308,559
310,695
313,111
315,830
318,733
321,747
324,870
328,107
331,450
334,902
338,468
342,132
345,897
349,764

254,599
334,533
425,835
540,303

370,699
422,733
494,535
540,303

Important Illustration Notes:

*
The above is a summarized illustration of the major benefits found in your policy and are demonstrated for illustration purposes only. This is not a policy contract. You
should refer to your Insurance Adviser or the Company for further information/details; or if appropriate, a more detailed proposal.
*
The above illustration relates to your Basic Plan, including riders, if any, and assume that all premiums are paid in full when due.
*
Accumulated Dividends are projected at 3.00% and 2.00% in this illustration. These are based on a forecast of future interest rates and are not guaranteed.
*
The illustration includes dividends which are calculated based on a projection of the current dividend scale, which has incorporated the Company's expectation of future
interest rates, investment returns, expenses, claims experience and other factors. It is for illustrative purposes only. Actual dividends may be different and depend on how
well the fund has fared with regard to investment returns, expenses, claims and other factors. For example, if the actual investment return is lower than the projected
investment return, dividends may be decreased and vice versa.
*
To protect policyholder dividends from significant fluctuations resulting from volatility in the factors that impact dividends (e.g. investment returns, mortality, expenses), a
smoothing process is applied when determining the declared dividends. When the performance of the participating fund is above average, the full performance is not
immediately used to increase dividends, and vice versa. Rather the above/below average performance is passed back to policyholders over a number of years to ensure a
stable dividend year to year.
*
Total Living Benefits is the sum of Guaranteed Cash Value and Accumulated Dividends.
*
Total Death Benefits is the sum of Guaranteed Death Benefit and Accumulated Dividends.
*
Values may differ from actual policy values due to rounding off. Values illustrated above are based on standard rates unless specified.
*
The values illustrated will vary in accordance with the Proposed Insured's insurance age upon issuance of the contract. Changes in premium rates, dividend scales and
interest rates also affect these values. The values illustrated do not include any dividend withdrawals and/or policy loans.
*
We have tried our best to ensure the accuracy of this illustration, however, errors and omissions may still have occurred in its preparation.

I have carefully read and understood the disclosures in this illustration. My Insurance Adviser has explained to my satisfaction the principal features
of this policy and its non-guaranteed components. I also understand that the illustration is valid only for one (1) month from print date and that any
alteration shall invalidate this illustration.

A3JZG215513PF34
AE771263AF039NWP-01

Edna Pitogo

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

INSURANCE ADVISER

Page 3 of 4
This proposal prepared on 01 May, 2015 is valid until 31 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
RJ100 - PACK

ACKNOWLEDGEMENT OF VARIABILITY
Applicant
Application No
Insurance Adviser's Name

: Edna Pitogo
:
: SAGUINDAN,JOSEPHINE,ALZ Code No :
AGA

771263

Unit :

I acknowledge that:
I have applied with The Manufacturers Life Insurance Co. (Phils.), Inc. for a MANULIFE EVE's Compassion policy
and have reviewed the illustration(s) that shows how a life insurance policy performs using the company's assumptions based on
Insurance Commission's guidelines on interest rates.
I understand that only those values described as guaranteed, if any, are guaranteed. All other policy values can change
and may probably be different from those illustrated to me. Actual values may be higher or lower depending on the dividend rates
actually earned.
I understand that dividend rates change from year to year and since these are affected by the company's mortality
experience, investment returns, expenses, and taxes, and that Manulife will advise me of the actual amount of the dividend, if any.
If on any future date I choose to use available policy dividends to pay for my future premiums, I understand that actual
dividend performance will determine when or if policy values are sufficient to pay my future premiums.
I understand that the illustration(s) given to me will not become part of any issued policy, as these are provided only to
show how policy benefits would change over time under a specific set of assumptions.

Edna Pitogo

Date

POLICYOWNER
Agent's Attestation: This illustration has been presented to the Policyowner unaltered. The Policyowner has been told that values that
are not guaranteed are subject to change; and no statements have been made that are inconsistent with the illustration.

SAGUINDAN,JOSEPHINE,ALZAGA(771263)
INSURANCE ADVISER

A3JZG215513PF34
AE771263AF039NWP-01

Page 4 of 4
This proposal prepared on 01 May, 2015 is valid until 31 May, 2015
Illustrations are valid only if all illustration pages are included.

Date

Ver. Ph2015.3.39.003.0318
RJ100 - PACK