Proposal designed for:

HORIZONS Insured: MS. CRISALLY EGLORIA

Owner: MS. CRISALLY EGLORIA

Why you made the right choice with MANULIFE HORIZONS

Enjoy peace of mind with double protection coverage for your family.
Build your funds faster by making extra investments anytime through top-ups.
Withdraw money easily from your fund anytime a need arises.
Enhance your protection coverage through additional benefits depending on your specific needs.

How much you’ll invest (in PHP) How much you may get (in PHP)
Yearly investment1 Total investment2 Living benefit3 Death benefit
Basic plan 15,806 158,060 After 10 years: 150,851 700,000
Total investment 15,806 158,060 After 20 years: 298,554 700,000
At age 65: 1,349,917 1,349,917

Invest for a minimum of 10 years.2 Assuming your funds will grow by 8% a year.

Your policy details

Insured: Ms. CRISALLY EGLORIA • This is your proposal also known as the sales illustration. Please read it carefully
Age: 25 Gender: Female and review all details before signing it.
Owner: Ms. CRISALLY EGLORIA • You have 15 days to look at your policy contract from the time you receive it. If
you decide it is not suitable for your needs, you can return it and we will give you
Age: 25 Gender: Female the refund value.
Currency: Philippine Peso Face Amount: 350,000
• Your death benefit is the higher of 200% of your face amount, plus 125% of all
Your Your top-ups, less 125% of all partial withdrawals or your account value. It will not be
benefit premium less than 500% of the basic premium, plus 125% of top-ups less 125% of
Basic Plan withdrawals.
Manulife Horizons4 700,000 15,806.00 • AS THE OWNER, YOU SHALL BEAR ALL THE INVESTMENT RISKS
(10-Pay1, Type 2 Level Face) UNDER THIS POLICY.
Additional benefits (riders)
Accidental Death Benefit 700,000 1,228.99
Enhanced Critical Illness Rider 350,000 5,229.00 1We will invest your basic premiums and extra investments in your funds.
Total Disability Waiver Included 258.27 Policy charges may apply. Rider premiums are not invested in your funds.
2The minimum paying period of 10 years is not guaranteed. You may still
Total annual premium 22,522.26
be asked to pay premiums to continue your policy.
3Your living benefit is the value of your investments in your funds. We call
Other installment options are also available: this your account value. How your funds will perform is not guaranteed,
Semi-annual 11,457.11 therefore the values are not guaranteed.
4The benefit amount shown is your initial death benefit. It may be higher
Quarterly 5,826.55
or lower as explained above in the notes about your death benefit.
Monthly 1,959.60

Account value is the value of your investment in your funds.
Basic premiums are the amounts you will pay for your basic plan’s benefit.
Fund refers to any of the funds we are offering. Please read About our funds for
more information.
Refund value is the sum of the Account Value, the policy charges and your rider
premiums.
Extra Investments are additional amounts you can put in your fund on top of your
basic premium.
• Recurring top-ups are your regular extra investments you can pay together
with the basic premium.
• Lump sum top-ups are extra investments you can pay anytime.
Riders are extra benefits you can buy on top of your basic plan.
• Accidental Death Benefit covers you in case of death due to an accident.
• Critical Illness Rider gives you a lump sum benefit if diagnosed with any of 60
covered illnesses.
• Hospital Income Benefit gives you daily allowances for a stay in the hospital.
• MacciMax Plan gives you benefits in case of accident-related incidents.
• Term Rider gives you extra death benefit on top of basic plan.
• Total Disability Waiver exempts you from paying premiums when you become
disabled.
Rider premiums are the amounts you will pay for additional benefits.

Page 1 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

Your benefits illustrated

Basic LIVING BENEFIT FULL WITHDRAWAL VALUE DEATH BENEFIT

Year Age Premiums
4% 8% 10% 4% 8% 10% 4% 8% 10%
1 26 15,806 1,324 1,439 1,497 132 144 150 700,000 700,000 700,000
2 27 15,806 2,697 2,989 3,140 539 598 628 700,000 700,000 700,000
3 28 15,806 15,678 16,662 17,167 3,920 4,165 4,292 700,000 700,000 700,000
4 29 15,806 29,233 31,488 32,660 29,233 31,488 32,660 700,000 700,000 700,000
5 30 15,806 43,393 47,569 49,775 43,393 47,569 49,775 700,000 700,000 700,000
6 31 15,806 58,185 65,014 68,684 58,185 65,014 68,684 700,000 700,000 700,000
7 32 15,806 73,640 83,937 89,574 73,640 83,937 89,574 700,000 700,000 700,000
8 33 15,806 89,785 104,461 112,649 89,785 104,461 112,649 700,000 700,000 700,000
9 34 15,806 106,648 126,719 138,134 106,648 126,719 138,134 700,000 700,000 700,000
10 35 15,806 124,257 150,851 166,276 124,257 150,851 166,276 700,000 700,000 700,000
11 36 - 127,165 160,923 180,952 127,165 160,923 180,952 700,000 700,000 700,000
12 37 - 130,199 171,838 197,151 130,199 171,838 197,151 700,000 700,000 700,000
13 38 - 133,356 183,659 215,025 133,356 183,659 215,025 700,000 700,000 700,000
14 39 - 136,634 196,455 234,741 136,634 196,455 234,741 700,000 700,000 700,000
15 40 - 140,034 210,305 256,487 140,034 210,305 256,487 700,000 700,000 700,000
16 41 - 143,552 225,290 280,471 143,552 225,290 280,471 700,000 700,000 700,000
17 42 - 147,189 241,502 306,922 147,189 241,502 306,922 700,000 700,000 700,000
18 43 - 150,944 259,042 336,098 150,944 259,042 336,098 700,000 700,000 700,000
19 44 - 154,818 278,019 368,281 154,818 278,019 368,281 700,000 700,000 700,000
20 45 - 158,809 298,554 403,790 158,809 298,554 403,790 700,000 700,000 700,000
21 46 - 162,921 320,777 442,974 162,921 320,777 442,974 700,000 700,000 700,000
22 47 - 167,152 344,833 486,223 167,152 344,833 486,223 700,000 700,000 700,000
23 48 - 171,506 370,879 533,973 171,506 370,879 533,973 700,000 700,000 700,000
24 49 - 175,982 399,086 586,704 175,982 399,086 586,704 700,000 700,000 700,000
25 50 - 180,584 429,643 644,953 180,584 429,643 644,953 700,000 700,000 700,000
26 51 - 185,310 462,755 709,314 185,310 462,755 709,314 700,000 700,000 709,314
27 52 - 190,163 498,647 780,246 190,163 498,647 780,246 700,000 700,000 780,246
28 53 - 195,141 537,566 858,270 195,141 537,566 858,270 700,000 700,000 858,270
29 54 - 200,247 579,783 944,097 200,247 579,783 944,097 700,000 700,000 944,097
30 55 - 205,479 625,597 1,038,507 205,479 625,597 1,038,507 700,000 700,000 1,038,507
31 56 - 210,838 675,335 1,142,358 210,838 675,335 1,142,358 700,000 700,000 1,142,358
32 57 - 216,324 729,318 1,256,593 216,324 729,318 1,256,593 700,000 729,318 1,256,593
33 58 - 221,936 787,663 1,382,253 221,936 787,663 1,382,253 700,000 787,663 1,382,253
34 59 - 227,669 850,676 1,520,478 227,669 850,676 1,520,478 700,000 850,676 1,520,478
35 60 - 233,517 918,731 1,672,526 233,517 918,731 1,672,526 700,000 918,731 1,672,526
36 61 - 239,469 992,229 1,839,778 239,469 992,229 1,839,778 700,000 992,229 1,839,778
37 62 - 245,509 1,071,607 2,023,756 245,509 1,071,607 2,023,756 700,000 1,071,607 2,023,756
38 63 - 251,620 1,157,336 2,226,132 251,620 1,157,336 2,226,132 700,000 1,157,336 2,226,132
39 64 - 257,779 1,249,923 2,448,745 257,779 1,249,923 2,448,745 700,000 1,249,923 2,448,745
40 65 - 263,962 1,349,917 2,693,619 263,962 1,349,917 2,693,619 700,000 1,349,917 2,693,619
41 66 - 270,141 1,457,910 2,962,981 270,141 1,457,910 2,962,981 700,000 1,457,910 2,962,981
42 67 - 276,283 1,574,543 3,259,279 276,283 1,574,543 3,259,279 700,000 1,574,543 3,259,279
43 68 - 282,352 1,700,506 3,585,207 282,352 1,700,506 3,585,207 700,000 1,700,506 3,585,207
44 69 - 288,306 1,836,547 3,943,728 288,306 1,836,547 3,943,728 700,000 1,836,547 3,943,728
45 70 - 294,096 1,983,470 4,338,101 294,096 1,983,470 4,338,101 700,000 1,983,470 4,338,101
46 71 - 299,668 2,142,148 4,771,911 299,668 2,142,148 4,771,911 700,000 2,142,148 4,771,911
47 72 - 304,956 2,313,520 5,249,102 304,956 2,313,520 5,249,102 700,000 2,313,520 5,249,102
48 73 - 309,891 2,498,601 5,774,012 309,891 2,498,601 5,774,012 700,000 2,498,601 5,774,012
49 74 - 314,391 2,698,490 6,351,414 314,391 2,698,490 6,351,414 700,000 2,698,490 6,351,414
50 75 - 318,367 2,914,369 6,986,555 318,367 2,914,369 6,986,555 700,000 2,914,369 6,986,555

• Your benefits illustrated above are estimates based on different assumptions as to how your funds will perform. The scenarios above assume that
your funds will earn 4%, 8% and 10% a year. These rates are for illustration only, they do not represent actual performance and they are not the
limits on your fund returns. Actual returns may be lower or higher and the value could be less than how much you paid. How the funds will
perform is not guaranteed, so the values are also not guaranteed. Please read Important Reminders section for more
information.
• The full withdrawal values are already after withdrawal charges have been deducted.

Page 2 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

Your additional benefits (riders)

These are your additional benefits called riders that you bought together with this policy. When your policy ends, these benefits will also end.
Benefit Premium
Accidental Death Benefit
We will give this additional benefit when the insured dies due to accident. 700,000 1,228.99
Total Disability Waiver
You will no longer need to pay your premiums if the insured becomes totally disabled. You Included 258.27
may use this benefit only if disability happens before age 60 and it lasts for at least six
months. If it happens between ages 60 and 65, we will waive your premiums but up to age 65
only.
Enhanced Critical Illness
We will pay a lump sum amount if the insured is diagnosed with any of the given 60 critical 350,000 5,229.00
illnesses:*

List of covered critical illnesses:

Diseases of the Circulatory System Diseases of the Excretory System Forms of Disability
1. Myocardial Infarction 26. Kidney Failure 45. Paralysis
2. Coronary Artery Bypass Surgery 27. Medullary Cystic Disease 46. Blindness
3. Heart Valve Replacement 47. Loss of Limbs
4. Surgery to Aorta 48. Loss of Hearing
Diseases of the Muscular System
5. Cardiomyopathy 49. Loss of Speech
28. Muscular Dystrophy
6. Other Serious Coronary Artery Disease 50. Total and Permanent Disability
29. Progressive Bulbar Palsy
7. Primary Pulmonary Arterial Hypertension 51. Amputation due to Complication from
30. Progressive Muscular Atrophy Diabetes
8. Severe Infective Endocarditis
31. Hemolytic Streptococcal Gangrene
9. Eisenmenger’s Syndrome
Disease of the Respiratory System
Hematology-Related Disease 52. End-Stage Lung Disease
Diseases of the Nervous System
32. Aplastic Anemia
10. Stroke
11. Benign Brain Tumor Diseases of the Digestive System
12. Multiple Sclerosis Specific Diseases 53. Chronic Liver Disease
13. Amyotrophic Lateral Sclerosis 33. Cancer 54. Chronic Relapsing Pancreatitis
14. Parkinson's Disease 34. Major Organ Transplantation 55. Crohn's Disease
15. Poliomyelitis 35. Coma 56. Fulminant Hepatitis
16. Encephalitis 36. Terminal Illness 57. Severe Ulcerative Colitis
17. Alzheimer's Disease 37. Major Burns
18. Apallic Syndrome 38. Occupationally Acquired HIV
19. Brain Surgery 39. Necrotizing Fasciitis Collagen Diseases
20. Creutzfeldt-Jacob Disease (CJD) 40. Pheochromocytoma 58. Severe Rheumatoid Arthritis
21. Major Head Trauma 41. Elephantiasis 59. Systemic Lupus Erythematosus
22. Myasthenia Gravis 42. Loss of Independent Existence 60. Progressive Scleroderma
23. Progressive Supranuclear Palsy 43. Addison’s Disease
24. Bacterial Meningitis 44. HIV due to Blood Transfusion
25. Surgery for Idiopathic Scoliosis
*subject to the definitions in the policy contract

Page 3 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

Your guaranteed rider cash values

If you decide to end your policy, you can receive these amounts from your riders. The values shown below are for the riders you bought with
cash value feature.
Year Age Accidental Death Benefit Enhanced Critical Illness Rider Total
1 26 - - -
2 27 - 1,050.00 1,050.00
3 28 700.00 1,400.00 2,100.00
4 29 700.00 6,650.00 7,350.00
5 30 1,400.00 12,250.00 13,650.00
6 31 2,100.00 18,200.00 20,300.00
7 32 2,100.00 24,150.00 26,250.00
8 33 2,800.00 30,450.00 33,250.00
9 34 2,800.00 36,400.00 39,200.00
10 35 3,500.00 41,650.00 45,150.00
11 36 3,500.00 43,400.00 46,900.00
12 37 3,500.00 44,800.00 48,300.00
13 38 3,500.00 46,200.00 49,700.00
14 39 3,500.00 47,600.00 51,100.00
15 40 3,500.00 49,000.00 52,500.00
16 41 3,500.00 50,750.00 54,250.00
17 42 3,500.00 52,150.00 55,650.00
18 43 3,500.00 53,550.00 57,050.00
19 44 3,500.00 55,300.00 58,800.00
20 45 3,500.00 56,700.00 60,200.00
30 55 3,500.00 67,550.00 71,050.00
35 60 2,800.00 66,500.00 69,300.00
40 65 2,100.00 59,150.00 61,250.00

• Your riders will end once the insured reaches the following ages:
Accidental Death Benefit Rider age 70
Enhanced Critical Illness Rider age 75

Page 4 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

About our funds

Fund Your
Objectives of the fund management fund
charge allocation
Peso Secure Fund
The Peso Secure Fund is designed to achieve stable and long-term growth by investing in government securities, high-quality corporate debt 1.75% 0%
securities and/or in pooled fund/s that invest in these securities and other liquid fixed income instruments.
Peso Diversified Value Fund
The Peso Diversified Value Fund is designed to achieve a stable and long-term capital growth by investing in government securities, high-quality 2.00% 0%
corporate debt securities, stocks listed on the Philippine Stock Exchange and/or pooled fund/s that invest in these securities and other liquid fixed
income instruments.
Peso Dynamic Allocation Fund
The Peso Dynamic Allocation Fund is designed to achieve long-term capital growth by investing in diversified portfolios of local currency 2.25% 0%
denominated fixed income securities and securities listed on the Philippine Stock Exchange and/or pooled funds that invest in these securities and
other liquid fixed income instruments.
Peso Wealth Optimizer Funds
The Peso Wealth Optimizer Funds seek to maximize long-term capital growth while managing the risk of capital erosion as the specific target dates
approaches through a dynamic rebalancing of exposure to diversified portfolios of peso-denominated fixed income securities and securities listed on
the Philippine Stock Exchange and/or pooled funds that invest in these securities and other liquid fixed income instruments.
Peso Wealth Optimizer 2026 Fund 2.25% 0%
Peso Wealth Optimizer 2031 Fund 2.25% 0%
Peso Wealth Optimizer 2036 Fund 2.25% 0%
Peso Growth Fund
The Peso Growth Fund is designed to achieve long-term capital appreciation by investing in stocks listed on the Philippine Stock Exchange, 2.25% 0%
government securities and/or in pooled fund/s that invest in these securities and other liquid instruments.
Peso Powerhouse Fund
The Peso Powerhouse Fund is designed to achieve long-term capital appreciation by investing in a concentrated portfolio of companies with 2.00% 50%
significant economic exposure to or derive a significant portion of earnings from the Philippines. The Fund may also invest in pooled funds that invest
in similar securities and other liquid fixed income instruments.
Peso Emperor Fund
The Peso Emperor Fund aims to achieve long-term capital appreciation by investing in equity or equity-linked securities of a diversified portfolio of 2.00% 50%
Philippine-listed companies with bias towards companies with Filipino-Chinese heritage and emerging potential to become market leaders. The Fund
may also invest in pooled funds that invest in similar securities and other liquid fixed income instruments.
Peso Cash Fund (for fund switching only) 0.50% N/A
The Peso Cash Fund aims to deliver returns with low volatility through investments in cash-like instruments.

How our funds performed

Peso
Peso Peso Target Peso Wealth Peso Wealth Peso Wealth Peso
Peso Secure Dynamic Peso Growth Distribution
Diversified Optimizer Optimizer Optimizer Powerhouse
Fund Allocation Fund
Value Fund Fund** Fund 2026 Fund 2031 Fund 2036 Fund
Fund
Inception Date April 14, 2009 April 14, 2009 July 1, 2013 April 14, 2009 April 7, 2014 June 6, 2016 June 6, 2016 June 6, 2016 January 16, 2017
2009 *0.90% *8.70% N.A. *33.80% N.A. N.A. N.A. N.A. N.A.
2010 12.69% 18.03% N.A. 39.39% N.A. N.A. N.A. N.A. N.A.
2011 13.19% 9.51% N.A. 2.47% N.A. N.A. N.A. N.A. N.A.
2012 7.38% 12.17% N.A. 36.26% N.A. N.A. N.A. N.A. N.A.
2013 12.16% 8.57% *-4.80% 1.73% N.A. N.A. N.A. N.A. N.A.
2014 2.74% 5.93% 11.53% 21.40% *0.70% N.A. N.A. N.A. N.A.
2015 -2.16% -2.99% -4.89% -6.12% -4.50% N.A. N.A. N.A. N.A.
2016 0.39% -0.29% -2.17% -2.28% -3.64% *-8.10% *-8.70% *-8.80% N.A.
2017 -0.58% 4.76% 12.42% 24.45% 5.00% 18.28% 22.12% 22.59% *17.1%
Return Since 53.55% 82.80% 11.30% 274.60% 1.86% 8.70% 11.50% 11.80% 17.10%
Inception
* Fund performance is from inception date until December 31 of the launch year.
** Net of monthly payouts
• The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.
• 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 instruments 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.
• AS THE OWNER, YOU SHALL BEAR ALL THE INVESTMENT RISKS UNDER THIS POLICY.
• 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.
• The Unit Price of a particular Fund is computed by dividing the Net Asset Value of the Fund by the number of outstanding units of the Fund on the Valuation Date. The frequency of valuation is daily.
• Unit Prices of the Funds are published weekly in major newspapers.
Certified true and correct:

Katerina Suarez
Senior Vice President and Chief Financial Officer Page 5 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

Important reminders

1. Your payments and benefits are in Philippine pesos.

2. Only basic premiums and top-up premiums are invested into your funds. Rider premiums are not invested.
3. Your living benefit is your account value.
4. Your death benefit (Type 2 Level Face) is higher of 200% of your face amount, plus 125% of all top-ups, less 125% of all partial
withdrawals or your account value. It will not be less than 500% of the basic premium, plus 125% of all top-up premiums paid, less 125%
of all withdrawals.
5. The value on Your benefits illustrated and Customize your benefits sections assume that:
a) All premiums, top-ups and withdrawals are made at the beginning of the year;
b) All premiums and top-ups are fully paid on time, and there were no premium holidays except for the amount shown under
Customize your benefits section;
c) You did not withdraw any other amount except for the amount shown under Customize your benefits section;
d) Your full withdrawal value is your living benefit less applicable withdrawal charges;
e) Your partial withdrawal values are taken out of the living benefits under Customize your benefits section. However,
withdrawal charges may apply and these are not yet reflected in the values shown.
6. Contract debt period: If your account value is not enough to pay for the monthly deductions during the first five years, we will delay
collecting them until your account value is enough. Your policy will not end and we will still pay the death benefit if the insured dies. This
will not apply if you miss paying your basic or rider premium, or if your total withdrawals are more than your total extra investments.
7. Premium holiday: You can choose to delay paying your premiums as long as your living benefit is enough to cover the monthly
deductions and rider premiums. However, your living and death benefits may be lower as a result and your policy may end earlier than
when you pay your premiums on time.
8. It is important that you understand the contents of this proposal, as it will become part of your policy once we have approved your
application.
9. We have tried our best to make sure this proposal is accurate; however there may still be mistakes and missing information.
10. Please read carefully your policy contract for the complete terms and conditions. We will apply the terms of your policy contract if there
are differences against your proposal.

The charges on your policy

• We will deduct premium charges out of your basic premiums • We will deduct fund management charges from your funds
and top-ups before we invest them. These are 70% of each basic as shown in About our funds. The fund returns we assumed in
premium for the first two years, and 4% of each top-ups. this illustration are already after these charges have been
• There are monthly deductions from your account value, which deducted.
are: • We will deduct withdrawal charges from the amount you will
receive should you withdraw from your funds during the first three
- the policy fee of PHP 83.33 per month for the first 10 years. These are 90% in the first year, 80% in the second year and
years. 75% in the third year. There are no withdrawal charges if you
- the cost of insurance which starts at PHP 3.63 for each withdraw from funds paid by your top-ups.
thousand of amount at risk (or PHP 210.46 per month) for the • We may change or add new charges as long as the Insurance
first month and increases with age but will not be higher than Commission approves them.
PHP 1,000 for each thousand of amount at risk.

Page 6 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
 Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA

Acknowledgement of variability
I acknowledge that:
I have applied with The Manufacturers Life Insurance Co. (Phils.), Inc. for a variable life insurance policy, and have looked at the tables
of this proposal that show how the policy performs using the company's assumptions and based on the Insurance Commission's
guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed. It will depend on the actual
performance and the value of my policy could be less than how much I paid. The unit values of my policy are regularly published.
I understand that the recommended minimum payment period of 10 years may not be enough to continue my policy and I may need to
pay more premiums if the account value is not enough to pay the policy charges.
I understand that I shall bear all the investment risks under this policy.

Acknowledgement of understanding
I have read and understood the information in this proposal. My financial adviser has explained:
• the features of the policy;
• the non-guaranteed parts of the policy;
• the way the benefits will depend on how my funds will perform;
• the available funds and the risks related to them;
• the guarantees on the minimum death benefit and maximum charges; and
• that my policy will end once my funds are no longer enough to pay for my monthly deduction, except during contract debt
period.
I also understand that this proposal is valid only until 18 June, 2019 and that any changes will make this proposal invalid.

#OWNER_SIGNATURE #OWNER_SIGNDATE
CRISALLY EGLORIA Date
Policy Owner

Agent’s confirmation
I have presented this proposal without making any changes. I have explained that the values are not guaranteed and may change. I did
not make any statement that is not consistent with the proposal.

#AGENT_SIGNATURE #AGENT_SIGNDATE
GENERAL,NEIL CHRISTIAN,OCHOCO (343966) Date
Financial Adviser

Premium Components Extra Ratings

Permanent Temporary Temporary Permanent
Flat Flat Flat %
Annual Semi-Annual Quarterly Monthly Duration
Basic + Rider 22,522.26 11,457.11 5,826.55 1,959.60 HORIZONS std
ADB std
Recurring TU 0.00 0.00 0.00 0.00 CI60 std
Total 22,522.26 11,457.11 5,826.55 1,959.60 TDW std

Rider premiums may included adjustments for extra risk we are covering.

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AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK