Return Focus High Gua

Insurer Manulife

Product Name ManuGrand Saver 2

General Information
Product launch/ revamp date Nov-20
Currency USD
Issue age SP / 2 : 15 days to age 75
5-pay: 15 days to age 70
10-pay: 15 days to age 65

Premium Payment Period (PPP)

Policy Term
Whole Life

Min. Notional Amount

TBC

Min. Premium
SP: 6000 (USD)
2-Pay (A/S/Q/M): 4650 / 2400 / 1220 / 410 (USD)
5-pay (A/S/Q/M): 1875 / 975 / 500 / 170 (USD)
10-pay (A/S/Q/M): 950 / 500 / 260 / 90 (USD)

Underwriting

Simplified underwriting

Target Asset Mix:

Fixed Income: 50% - 65%
- Fixed Income
Equity: 35% - 50%
- Equity

Dividends and Bonus

Structure Annual Dividends & Terminal Bonus
Realization Option
Currency Conversion Option
Currency Conversion Option
Death Benefits and Surrender Value
Death Benefit
Supplementary Accidental Death Benefit
Surrender Value
Change of life insured
Number of exercise time
Policy term after change of life insured
Condition for new life insured
- The policyowner can exercise the option starting from 15th policy
anniversary and at subsequent AVY while the aggregated realized
percentage shall not exceed 50%.
N/A
The higher of the following
1. GCV;
or
2. 100% of Total Premium Paid for the basic plan
PLUS
Accumulated Annual Dividends (if any) + Terminal Bonus (if any)
Within the first 5 policy years, 100% of the Total Premiums Paid for
basic plan payable, capped at USD 125,000
GCV + accumulated Annual Dividends (if any) + Terminal Bonus (if
any)
unlimited
whole life of new insured
After the 1st AVY or 1 year after policy issued (whichever is later),
(1) age 60 or below, or
(2) the age of New Insured is lower than that of the age of Current
Insured at time of exercising the option and subject to max age of
75.
Other features

(1) Accidential death benefit (first 5 years) (Additional 100% TPP for
Embedded protection features
SP/5P/10P, additional 120% TPP for 2-pay)

(1) Realization option

Embedded other features (2) Premium Holiday (not applicable to SP/2-pay)
(3) Contingent life insured

Commission

Commission

Large-size Discount

Large-size Discount N/A

As of Jul 2021

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”)
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduc
 High Total High Gua High Total

Manulife Manulife

ManuImperial Saver 2 ManuGrand Saver ManuImperial Saver

Nov-20
USD
P / 2 : 15 days to age 75
5-pay: 15 days to age 70
0-pay: 15 days to age 65
Jan-19
USD
SP (for all channels) / 2 (for 5-pay: 15 days to age 70
DBS) : 15 days to age 75 10-pay: 15 days to age 65
5-pay: 15 days to age 70
10-pay: 15 days to age 65

Whole Life Whole Life

TBC USD1,000

SP: 6000 (USD) SP: 9275 (USD)

Q/M): 4650 / 2400 / 1220 / 410 (USD) 2-Pay (A/S/Q/M): 4650 / 2400 / 1220 / 410 (USD)
Q/M): 1875 / 975 / 500 / 170 (USD) 5-pay (A/S/Q/M): 1875 / 975 / 500 / 170 (USD)
S/Q/M): 950 / 500 / 260 / 90 (USD) 10-pay (A/S/Q/M): 950 / 500 / 260 / 90 (USD)

Simplified underwriting Simplified underwriting

Fixed Income: 25% - 55% Fixed Income: 50% - 65% Fixed Income: 25% - 55%
Equity: 45% - 75% Equity: 35% - 50% Equity: 45% - 75%

rminal Bonus Annual Dividends & Terminal Bonus

exercise the option starting from 15th policy
sequent AVY while the aggregated realized
xceed 50%.
N/A
wing
um Paid for the basic plan
ividends (if any) + Terminal Bonus (if any)
years, 100% of the Total Premiums Paid for
pped at USD 125,000
nnual Dividends (if any) + Terminal Bonus (if
unlimited
whole life of new insured
year after policy issued (whichever is later),
ured is lower than that of the age of Current
cising the option and subject to max age of
- The policyowner can exercise the option starting from 15th policy
anniversary and at subsequent AVY while the aggregated realized
percentage shall not exceed 50%.
N/A
The higher of the following
1. GCV + Terminal Bonus (if any);
or
2. 100% of Total Premium Paid for the basic plan
PLUS
Accumulated Annual Dividends (if any)
Within the first 5 policy years, 100% of the Total Premiums Paid for
basic plan payable, capped at USD 125,000
GCV + accumulated Annual Dividends (if any) + Terminal Bonus (if
any)
unlimited
whole life of new insured
After the 1st AVY or 1 year after policy issued (whichever is later),
(1) age 60 or below, or
(2) the age of New Insured is lower than that of the age of Current
Insured at time of exercising the option and subject to max age of
75.
enefit (first 5 years) (Additional 100% TPP for
(1) Accidential death benefit (first 5 years)
120% TPP for 2-pay)

(1) Realization option

ot applicable to SP/2-pay)
red

N/A N/A N/A

by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall
on. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 High Total

Xrudential

Xvergreen Growth Saver Plus II

May-18
HKD / USD / RMB
ANB 1 to ANB 75 ANB 1 to ANB 70 ANB 1 to ANB 65

SP 5 pay 8 / 12 pay

Whole Life

USD10,000/ HKD80,000

N/A

Non-med UW for aggregated annual premium in last 24 months is USD1.25mil / HKD10mil

or below
Full UW for above USD1.25mil / HKD10mil

USD / HKD:
Fixed Income: 40%
Equity: 60%

RMB:
Fixed Income: 55%
Equity: 45%

Reversionary Bonus & Special Bonus

- starting from 1st AVY (for SP) or 3rd AVY (for 5 / 8 / 12 pay)
 N/A

N/A

The higher of the following:

1. GCV + face value of Reversionary Bonus (if any) + face value of Special Bonus (if any)
or
2. 100% of the Total Premiums Paid for the basic plan + increase by 3.5% on each policy
anniversary (capped at 135% of TPP) - withdrawn face value of Reversionary Bonus - face
value of Special Bonus

Within first 5 policy years or the end of the premium term, whichever is later, 100% of the
Total Premiums Paid for basic plan payable

GCV + cash value of Reversionary Bonus (if any) + cash value of Special Bonus (if any)

unlimited
Age 100 of the initial insured

After 1st policy year,

ANB 65 or below; and must not be older than the initial life insured
 (1) Accidential death benefit (first 5 years)
(2) Payor’s Accidental Death Protection

(1) Academic Success Award (for child only)

(2) Death Benefit Settlement Options

Base rate in annual mode

SP: 3.5%
5-Pay: 30%/5%/2%/2%/2%
8-Pay: 37%/7%/2.5%/2.5%/2.5%/2.5%
12-Pay: 42%/11%/3.5%/3.5%/3.5%/3.5%

s only and Manulife shall not be

rictly prohibited.
 High Total High Gua

Xrudential AIX

EvXrgreen WeXlth Max (EXM) Ximply Love Encore 5

Jun-21 Jul-21
USD HKD / USD / MOP
ANB 1 to ANB75 15 days to age 80

SP SP

Whole Life Whole Life

USD10,000 USD5,000/ HKD37,500

N/A USD5,000/ HKD37,500

Non-med UW for aggregated annual

Medical underwriting or filing in Health
Declartion is not required
premium USD 4mil or below (Issue age of
15 days - age 75);
Simp. UW for USD 4mil - 20mil (Issue age
of 15 days - age 75) / USD 20mil or below
(Issue age of age 76 - 80);
Full UW for above 20mil (Issue age of 15
days - age 80)

Fixed Income: 50% Fixed Income: 50% - 100%

Equity: 50% Equity: 0% - 50%

Annual Dividends & Terminal Dividend

- from 2nd AVY
Terminal Dividend

N/A
N/A
The higher of the following:
1. GCV
or
2. 100% of the single premium paid
PLUS
Terminal Dividend (if any)
Within first 5 policy years, 100% of the
single premium paid for basic plan
payable, capped at USD 125,000
Note: It will terminate upon change of life
insured
GCV + Terminal Dividend (if any)
unlimited
whole life of new insured
After the 1 year after policy issued,
(1) Age of New Insured must fulfill the
issue age of the plan (i.e. max age of 75)
and can be either younger or older than
the age of Current Insured at the time of
exercising the option
(2) This option is not applicable to juvenile
policy at the time of policy issuance. This
option will be available when the juvenile
reaches attained age 18.
Within 30 days after the end of each policy
year, starting from the end of the
15th policy year, transfer an identical
percentage of latest values of Terminal
Dividend to Terminal Dividend lock-in
account, minimum and maximum annual
lock-in rate is 10% and 70%, without
aggregate limit for the lock-in rate.
N/A
The higher of the following:
1. GCV
or
2. 100% of the Total Premiums Paid for
the basic plan
PLUS
accumulated Annual Dividends (if any) +
Terminal Dividend (if any) + remaining
balance of the Terminal Dividend Lock-in
Account (if any).
Within 1st policy year: 100% of Total
Premium Paid for basic plan payable,
capped at USD100,000 / HKD750,000
GCV + accumulated Annual Dividends (if
any) + Terminal Dividend (if any)
unlimited
whole life of new insured
After 1st policy year,
Age 60 or below
Extended Accidential Death Cover (1) Accidential death benefit (first year)

(1) Terminal Dividend Lock-in Option

Death Benefit Settlement Options
(2) Contingent Life Insured
 High Gua High Total

AIX AIX

Ximply Love Encore 3 Xonus Power Vantage

Jan-20 Aug-20
HKD / USD / MOP USD
15 days to age 80 15 days to age 75 15 days to age 75

SP, 5 pay 10 pay 5 pay

Whole Life Whole Life

SP: USD5,000/ HKD37,500

5-pay: USD1,500/ HKD11,250 USD20,000
10-pay: USD1,000/ HKD7,500

SP: USD5,000/ HKD37,500

5-pay: USD1,500/ HKD11,250 N/A
10-pay: USD1,000/ HKD7,500

Non-med UW for aggregated annual premium USD 4mil or belo

Simplified underwriting Simp. UW for USD 4mil - 20mil
Full UW for above 20mil

Fixed Income: 50% - 80% Fixed Income: 25% - 100%

Equity: 25% - 50% Equity: 0% - 75%

Annual Dividends & Terminal Dividend Reversionary Bonus & Terminal Bonus
- Annual Dividends available from 11th AVY - from end of 3rd policy year
- Terminal Dividend starting from 5th AVY (for SP) or
10th AVY (for 5 / 10 pay)
 N/A N/A

N/A N/A

Higher of GCV or TPP The higher of the following:

+ accumulated Annual Dividends (if any)
+ Terminal Bonus (if any)
1. GCV + face value of Reversionary Bonus (if any) + face value
Terminal Bonus (if any)
or
2. 105% of the Total Premiums Paid for the basic plan

Within 1st policy year: 100% of Total Premium Paid for Within 1st policy year: 100 % of Total Premium Paid for basic plan
basic plan payable, capped at USD100,000 / payable
HKD750,000

GCV + accumulated Annual Dividends (if any) + GCV + cash value of Reversionary Bonus (if any)+ cash value of
Terminal Bonus (if any) Terminal Bonus (if any)

2 times 2 times
whole life of new insured whole life of new insured

After 1st policy year, After 1st policy year,

Age 60 or below Age 60 or below

(1) Accidential death benefit (first year)
(1) Newborn Option: Allows change of insured to a
newborn baby during the first policy year
SP: 3.5%
5-pay: 25%/5%/2%/2%/2%
10-pay: 35%/10%/3%/3%/3%/3%
(1) Accidential death benefit (first year) - capped at USD100,000 p
life
(1) Death Benefit Settlement Options
(2) Academic Achievement Award - Payable once per life, one-off
bonus amount up to USD2,800 upon fulfilling specified academic
results
(3) Unemploymeny Benefit
(4) Contingent Life Insured
 High Total High Total

AIX AIX

Xonus Power Vantage Xlobal Power

Aug-20 Jun-21
USD USD / HKD / MOP (MC only) / RMB / AUD / CAD
15 days to age 70 15 days to age 80

10 pay SP

Whole Life Whole Life

SP: US$7,500 / HK$56,250 / MOP56,250 / RMB45,000 / AUD7,500 / CAD7,500

USD20,000 5-pay: US$20,000 / HK$150,000 / MOP150,000/ RMB120,000 / AUD20,000 /
CAD20,000

SP: RMB45,000 / US$7,500 / AUD7,500 / CAD7,500/ HK$56,250 / MOP56,250

N/A 5-pay: RMB12,000 / US$2,000 / AUD2,000 /
CAD2,000 / HK$15,000 / MOP15,000

gregated annual premium USD 4mil or below
p. UW for USD 4mil - 20mil
Full UW for above 20mil
Non-med UW for aggregated annual premium USD 4mil or below (Issue age of 15
days - age 75);
Simp. UW for USD 4mil - 20mil (Issue age of 15 days - age 75) / USD 20mil or below
(Issue age of age 76 - 80);
Full UW for above 20mil (Issue age of 15 days - age 80)

00% Fixed Income: 25% - 100%

Equity: 0% - 75%

Terminal Bonus Reversionary Bonus & Terminal Bonus

year - from end of 3rd policy year
 Within 30 days after the end of each policy year, starting from the end of the
15th policy year, transfer an identical percentage of the latest cash value of
N/A Reversionary Bonus and Terminal Bonus to bonus lock-in account, minimum and
maximum annual lock-in rate is 10% and 70%, without aggregate limit for the lock-in
rate.

N/A 1. Available from the 3rd policy anniversary

2. The policy currency can be changed, by exchanging the plan to the latest plan
under the GP Series in the designated currency
3. Maintained policy duration and no medical examination is required

wing: The higher of the following:

f Reversionary Bonus (if any) + face value of 1. 105% of the total premiums paid or one-time premium
) paid (as applicable) for the basic plan; and

emiums Paid for the basic plan 2. the sum of the guaranteed cash value and the face values
of any Reversionary Bonus and any Terminal Bonus in
the policy;

plus any remaining balance of the Bonus Lock-in Account (if

applicable).

100 % of Total Premium Paid for basic plan Within 1st policy year: 100 % of Total Premium Paid for basic plan payable

Maximum aggregate amount with respect to the same insured: RMB600,000 /

US$100,000 / AUD100,000 / CAD100,000 / HK$750,000 /
MOP750,000
eversionary Bonus (if any)+ cash value of GCV + cash value of Reversionary Bonus (if any)+ cash value of Terminal Bonus (if
) any) + remaining balance of the Bonus Lock-in Account (if any)

2 times 2 times
whole life of new insured whole life of new insured

After 1st policy year, After 1st policy year,

Age 60 or below Age 60 or below
 (1) Accidential death benefit (first year) - capped at RMB600,000 / US$100,000 /
enefit (first year) - capped at USD100,000 per
AUD100,000 / CAD100,000 / HK$750,000 /
MOP750,000 per life

ement Options
(1) Death Benefit Settlement Options
ment Award - Payable once per life, one-off
(2) Academic Achievement Award - Payable once per life, one-off bonus amount up
SD2,800 upon fulfilling specified academic
to USD2,800 upon fulfilling specified academic results
(3) Unemployment Benefit
nefit
(4) Contingent Life Insured
ured
 High Total High Gua

AIX AXX

Xlobal Power WealtX AdXance II (Classic)

Jun-21 Apr-19
/ HKD / MOP (MC only) / RMB / AUD / CAD USD
15 days to age 75 15 days to age 60

5 pay 5 / 10 pay

Whole Life To age 100 of latest insured

56,250 / MOP56,250 / RMB45,000 / AUD7,500 / CAD7,500

/ HK$150,000 / MOP150,000/ RMB120,000 / AUD20,000 / USD15,000
CAD20,000

S$7,500 / AUD7,500 / CAD7,500/ HK$56,250 / MOP56,250

pay: RMB12,000 / US$2,000 / AUD2,000 / N/A
CAD2,000 / HK$15,000 / MOP15,000

regated annual premium USD 4mil or below (Issue age of 15

days - age 75);
l - 20mil (Issue age of 15 days - age 75) / USD 20mil or below Simplified underwriting
(Issue age of age 76 - 80);
for above 20mil (Issue age of 15 days - age 80)

00% Fixed Income: 30% - 100%

Equity: 0% - 70%

Terminal Bonus Reversionary Bonus & Terminal Bonus

year - starting from the end of the 3rd policy year
er the end of each policy year, starting from the end of the
ransfer an identical percentage of the latest cash value of
and Terminal Bonus to bonus lock-in account, minimum and N/A
in rate is 10% and 70%, without aggregate limit for the lock-in
rate.

d policy anniversary N/A

can be changed, by exchanging the plan to the latest plan
the designated currency
ration and no medical examination is required

wing: The higher of the following:

emiums paid or one-time premium 1. GCV; or

the basic plan; and 2. 100%/130% (death after / before initial insured age of 60 and after
3rd AVY) of the Total Premiums Paid for the basic plan
anteed cash value and the face values
onus and any Terminal Bonus in + face value of Reversionary Bonus (if any) + face value of Terminal
Bonus (if any)

ance of the Bonus Lock-in Account (if

100 % of Total Premium Paid for basic plan payable

mount with respect to the same insured: RMB600,000 / N/A

,000 / CAD100,000 / HK$750,000 /
eversionary Bonus (if any)+ cash value of Terminal Bonus (if GCV + cash value of Reversionary Bonus (if any) + cash value of
ce of the Bonus Lock-in Account (if any) Terminal Bonus (if any)

2 times 3 times
whole life of new insured Age 100 of new insured

After 1st policy year,

After 1st policy year,
Age 0 to Age 60 and
Age 60 or below
maximum age limit is 5-year older than the initial insured
enefit (first year) - capped at RMB600,000 / US$100,000 /
(1) Extra 30% of TPP after 3rd AVY and death before initial insured
0,000 / HK$750,000 /
age of 60 (optional)

ement Options
ment Award - Payable once per life, one-off bonus amount up
lling specified academic results (1) Death Benefit Settlement Options
efit
ured

Agent & Brokerage

5-pay: 21%/3%/1%
10-pay: 40%/10%/2%
 High Total High Total

AXX

WealtX AdXance II (Ultimate) WealtX Xltra

Jan-20 Jul-20
USD USD
15 days to age 60 10 days to age 60

5 / 10 pay 8 pay*
*Can convert to 4/5/6/7-pay through Flexi-
Premium Option

age 100 of latest insured To age 138 of latest insured

USD15,000 USD15,000

N/A N/A

Regular DB: Non-med UW

Superior DB: Non-med UW for aggregated
Simplified underwriting
annual premium <=USD400,000; full UW for
aggregated annual premium > USD400,000

00% Fixed Income: 30% - 85%

Equity: 15% - 70%

Terminal Bonus Reversionary Bonus & Terminal Bonus

of the 3rd policy year - from 3rd AVY
 Within 30 days from each policy anniversary
starting from the 25th policy anniversary,
transfer an identical percentage of the latest
cash value of Reversionary Bonus and the
N/A
latest cash value of Terminal Bonus to bonus
lock-in account, minimum and maximum
annual lock-in rate is 10% and 70%, without
aggregate limit for the lock-in rate.

N/A N/A

wing: Superior death benefit:

Higher of:
(i) 100% of TPP + 30% of TPP if the insured
after / before initial insured age of 60 and after passes away at the initial insured’s age of 60
remiums Paid for the basic plan or below and the policy has been in-force for
3 years; or
onary Bonus (if any) + face value of Terminal (ii) GCV

Regular death benefit:

Higher of:
(i) 100% of TPP; or
(ii) GCV

+ Face value of Reversionary Bonus

+ Face value of Terminal Bonus
+ Value of the bonus lock-in account

N/A N/A

eversionary Bonus (if any) + cash value of GCV + cash value of Reversionary Bonus (if
) any) + cash value of Terminal Bonus (if any) +
Value of the bonus lock-in account (if any)

3 times unlimited
Age 100 of new insured Age 138 of latest insured

After 1st policy year,

After 1st policy year,
Age 60 or below; and
Age 0 to Age 60 and
maximum age limit is 5-year older than the
mit is 5-year older than the initial insured
initial insured
 Free 3-year Personal Accident - for policies
fter 3rd AVY and death before initial insured
with annual premium >= USD1250, free 3-
year PA rider with USD62,500 SI

(1) Death Benefit Settlement Options

(2) Flexi Premium Option - may suspend
premium payment from 4th AVY and convert
ement Options
to 4/5/6/7-pay
(3) Contingent Insured - applicable from 3rd
AVY, age 138 or below, I=/=O policies

Agent
25%/3%/1%/1%/1%

Brokerage
36%/3%/1%/1%/1%
 High Gua High Total

FTLife FTLife

Fortune Saver 2 RegXnt PriXe

Aug-19 Sep-19
USD USD
15 days to age 80 15 days to age 75

SP 2 / 5 pay

To age 128 To age 128 of latest insured

Min. prem. :
Min. SP : USD10,000 2-pay: USD4,500
5-pay: USD1,560

USD10,000 USD1,560

Non-med UW for aggregated annual premium USD800,000 or below

Simplified underwriting
Simp. UW for above USD800,000

Fixed Income: 50% - 75% Fixed Income: 25% - 50%

Equity: 25% - 50% Equity: 25% - 75%

Annual Dividend & Terminal Dividend Reversionary Bonus & Terminal Bonus
- Annual Dividends available from 11th AVY. - from 1st AVY
- Terminal Dividend available from 1st AVY.
 Terminal Dividend Lock-In Option N/A

N/A N/A

On or before age 75 Higher of:

Higher of: (i) 105% TPP + increase by 1% on each policy anniversary (capped
(i) 105% TPP + increase by 1% on each policy at 110% of TPP) ; or
anniversary (capped at 110% of TPP) ; or (ii) GCV
(ii) GCV + TD
+ AD + face value of Reversionary Bonus (if any)
+ face value of Terminal Bonus (if any)
After age 75
Higher of:
(i) 101% TPP; or
(ii) GCV + TD
+ AD

Within the first 8 policy years: 100 % of Total

Premium Paid for basic plan payable
N/A

GCV + AD + TD GCV + cash value of Reversionary Bonus (if any) + cash value of
Terminal Bonus (if any)

unlimited unlimited
Age 128 of new insured Age 128 of new insured

After 1st policy year,

After 1st policy year,
Age 0 to Age 65 and
Age 65 or below; and
maximum age limit is 10-year older than the
maximum age limit is 10-year older than the initial insured
initial insured
(1) Accidential death benefit (first 8 years) Waiver of Premium / Payor Benefit

Policy Continuation Option (beneficiary (i) Premium Holiday (after 3rd AVY, up to 2 years)
becoming the new policyowner and the new (ii) Policy Continuation Option (beneficiary becoming the new
insured) policyowner and the new insured)

Agent & Brokerage

3.30% 2-pay: 10%/3%
5-pay: 25%/3%/2%/2%/1%
 High Total High Total

FTLife FTLife

RegXnt ElXte ReXent 2 Prestige

Sep-19 Feb-18
USD USD
15 days to age 75 4/6-pay : 15 days to age 75
9/12-pay: 15 days to age 70
15/18-pay: 15 days to age 65

5 pay 4/6/9/12/15/18 pay

prepayment available for 4/6-pay

age 128 of latest insured To age 128 of latest insured

Min. prem. :
Min. prem. :
4/6/9/12/15/18-pay:
2-pay: USD4,500
USD2,250/USD1,550/USD1,100/
5-pay: USD1,560
USD850/USD700/USD600

4/6/9/12/15/18-pay:
USD1,560 USD2,250/USD1,550/USD1,100/
USD850/USD700/USD600

egated annual premium USD800,000 or below

Simplified underwriting
. UW for above USD800,000

0% Fixed Income: 25% - 50%

Equity: 50% - 75%

Terminal Bonus Annual Dividend & Terminal Dividend

- Annual Dividends available from 1st AVY.
 N/A Terminal Dividend Lock-In Option

N/A N/A

On or before age 65
se by 1% on each policy anniversary (capped Higher of:
(i) 105% TPP + increase by 3% on each policy
anniversary (capped at 120% of TPP) ; or
(ii) GCV + TD
onary Bonus (if any) + AD
al Bonus (if any)
After age 65
Higher of:
(i) 105% TPP; or
(ii) GCV + TD
+ AD

N/A N/A

eversionary Bonus (if any) + cash value of GCV + AD + TD

)

unlimited unlimited
Age 128 of new insured Age 128 of new insured

After 1st policy year,

After 1st policy year,
Age 0 to Age 65 and
Age 65 or below; and
maximum age limit is 10-year older than the
mit is 10-year older than the initial insured
initial insured
ayor Benefit Waiver of Premium / Payor Benefit

(i) Premium Holiday (after 3rd AVY, up to 4

ter 3rd AVY, up to 2 years) years)
Option (beneficiary becoming the new (ii) Policy Continuation Option (beneficiary
w insured) becoming the new policyowner and the new
insured)

/1%
 High Total High Gua

FTLife Xun Life

ReXent 2 Premier Xenus

Feb-18 Mar-20
USD USD
2/5-pay : 15 days to age 75 15 days to age 80
10-pay: 15 days to age 70

2/5/10 pay SP

To age 128 of latest insured Earlier of age 120 or 120 years

Min. prem. :
2-pay: USD4,500
USD250,000
5-pay: USD1,800
10-pay: USD1,000

2-pay: USD4,500
5-pay: USD1,800 N/A
10-pay: USD1,000

Simplified underwriting Simplified underwriting

Fixed Income: 25% - 50% Fixed Income: 50% - 70%

Equity: 50% - 75% Equity: 30% - 50%

Annual Dividend & Terminal Dividend Reversionary Bonus & Terminal Bonus
- Annual Dividends available from 1st AVY. - Reversionary Bonus available from 1st AVY
- Terminal Bonus available from 8th AVY
 Terminal Dividend Lock-In Option N/A

N/A N/A

On or before age 75 Higher of:

Higher of: (i) 100% TPP; or
(i) 105% TPP + increase by 1% on each policy (ii) GCV
anniversary (capped at 110% of TPP) ; or + face value of Reversionary Bonus (if any) +
(ii) GCV + TD face value of Terminal Bonus (if any)
+ AD

After age 75
Higher of:
(i) 101% TPP; or
(ii) GCV + TD
+ AD

N/A N/A

GCV + AD + TD GCV + cash value of Reversionary Bonus (if any)

+ cash value of Terminal Bonus (if any)

unlimited Unlimited
Age 128 of new insured After 1st AVY

After 1st policy year,

Age 0 to Age 65 and Age of the proposed new Insured must be less
maximum age limit is 10-year older than the than or equal to the max. issue age
initial insured
Waiver of Premium / Payor Benefit N/A

(i) Premium Holiday (after 3rd AVY, up to 4

years)
(ii) Policy Continuation Option (beneficiary Change of single life to joint life and vice versa
becoming the new policyowner and the new
insured)
 High Total High Total

XunLife BOX

Victorx Xmartup plus

Jul-20 May-18
USD HKD / USD / RMB
5 Pay (with Value Enhancer): 15 days - age 80 15 days to age 70
5 Pay: 15 days - age 70
10 Pay: 15 days - age 65

5 Pay / 10 Pay 2 pay / 5 pay

for Single Life: Age 120 of the current Insured

To age 100
For Joint Life: Age 120 of the current younger Insured

USD7,500 USD10,000/ HKD72,000

N/A N/A

Simplified underwriting Simplified underwriting

Fixed Income: 25% - 80% Fixed Income: 30% - 50%

Equity: 20% - 75% Equity: 50% - 70%

Reversionary Bonus & Terminal Bonus Annual Dividends & Terminal Dividend
- Reversionary Bonus available from 3rd AVY - starting from 3rd AVY
- Terminal Bonus available from 8th AVY
 N/A N/A

N/A N/A

Higher of: The higher of the following:

(i) 100% TPP; or
(ii) GCV+face value of Reversionary Bonus (if any) +
face value of Terminal Bonus Iif any)
1. GCV + Terminal Dividend (if any)
or
2. 100% of the Total Premiums Paid for the basic plan + increase b
3.8% on each policy anniversary (capped at 138% of TPP and HKD
3,040,000/USD 380,000/RMB 2,375,000)

Plus
Accumulated Annual Dividends (if any)

N/A N/A

GCV + cash value of Reversionary Bonus (if any) + GCV + accumulated Annual Dividends (if any) + Terminal Dividends
cash value of Terminal Bonus (if any) (if any)

Unlimited
After 1st AVY

N/A
Age of the proposed new Insured must be less than or
equal to the max. issue age
 N/A N/A

(1) Value Enhancer rider - prepay all premiums upfront

(for 5-year payment only), GCV will fast-forward for 5
(1) Survivorship Option (i.e.Death Benefit Settlement Options)
years from year 6 onward
(2) Flexible Financial Arrangement
(2) Premium Suspension Options - applicable after 1st
(Starting from the 20th Policy Anniversary, policyowner can choose
AVY, forced to be unemployed/ madatory full salary
to withdraw the full amount of total cash value from the policy and
suspension for at least 3 months, premium payment is
leaving the entire or part of the total cash value with BOC Life for
suspended for 1 years, exercisable twice
interest accumulation)
(3) Contingent Policy Owner (for juvenile insured
policies)

N/A
 High Total High Total

BOX ChinaLife
Ultimate Fortune Wealth Planner Series
Xmartup plus
(Classic/Supreme)

May-18 Mar-20
HKD / USD / RMB USD
15 days to age 65
15 days - age 80

10 pay
5 pay

To age 100 To age 138

USD10,000/ HKD72,000 USD10,000

N/A N/A

Simplified underwriting Simplified underwriting

0% Fixed Income: 30% - 90%

Equity: 10% - 70%

rminal Dividend Terminal Dividend

- starting from 3rd AVY
 N/A N/A

N/A N/A

wing:

dend (if any)

emiums Paid for the basic plan + increase by

nniversary (capped at 138% of TPP and HKD
0/RMB 2,375,000)

ividends (if any) The higher of:

1) 105% of the total premium due and paid ;
OR
2) Guaranteed Cash Value + face value of
Terminal dividend

Within the first 10 policy years and below age

N/A 66, 100% of the Total Premiums Paid for
basic plan payable

nnual Dividends (if any) + Terminal Dividends

GCV + cash value of Terminal Dividends (if
any)

unlimited
To age 138 of new insured

On the 1st policy anniversary or after (while

N/A the insured is alive), the lower of:
(1) Between 15 days after birth and age 80
(2) Must not be older than the attained age of
the current insured
 (1) Accidential death benefit (first 10 years &
N/A
before age 66) - capped at USD62,500

(i.e.Death Benefit Settlement Options)

rrangement 1) Contingent Insured (Max. of 2 contingent
Policy Anniversary, policyowner can choose insureds)
ount of total cash value from the policy and 2) Share happiness reward (additional 0.5%
rt of the total cash value with BOC Life for basic amount upon designated events)
 High Total High Total

ChinaLife HSBC

Legend Rich HSBC Wealth Goal Insurance Plan II

USD/HKD USD
SP / 3 pay: 15 days - age 70
5/10 Pay: 15 days - age 65
15 days - age 80 15 Pay: 15 days - age 60
20 Pay: 15 days - age 45

5 pay SP / 3 pay / 5 pay / 10 pay/ 15 pay / 20 pay

To age 138 To age 99

USD10,000 / HKD80,000 N/A

SP: 25,000 (USD)

Annual: USD2,000 3-Pay (A//M): 8,333.3 / 729.2 (USD)
Semi-annual: USD1,020 5-pay (A/M): 5,000 / 437.5 (USD)
Quarter: USD520 10-pay (A/M): 2,500 / 218.8 (USD)
Month: USD174 15-pay (A/M): 1,667.5 / 145.8 (USD)
20-pay (A/M): 1,250 / 109.4 (USD)

Simplified underwriting Simplified underwriting

Fixed Income: 30% - 90% Fixed Income: 30% - 50%

Equity: 10% - 70% Equity: 50% - 70%

Terminal Dividend Special Bonus

- starting from 5th AVY - starting from 1st AVY
 After 15th AVY, policyowner can choose to
Policy Value Management Option
lock-in terminal bonus within 30 days from
After 20th AVY, policyowner can choose to
anniversary, the aggregated realized
lock-in special bonus
percentage shall not exceed 50%

N/A N/A

The higher of:

1) 105% of the total premium due and paid ;
OR
The higher of:
2) Guaranteed Cash Value + Terminal
1) Total Premium Paid + USD2,500; OR
dividend (if any)
2) Guaranteed Cash Value + Special bonus
(if any)
Plus
Terminal dividend management account (if
any)

Within the policy term or age 80 (whichever is

N/A earlier), 30% of Total Premium Paid for basic
plan payable

GCV + Terminal Dividends (if any) + Terminal

GCV + Special bonus (if any)
dividend management account (if any)

unlimited
To age 138 of new insured

On the 1st policy anniversary or after (while

the insured is alive), the lower of: N/A
(1) Between 15 days after birth and age 80
(2) Must not be older than the attained age of
the current insured
 (1) Accidential death benefit (Extra 30% of
N/A TPP and death before the end of policy term
or insured age of 80, whichever is earlier)

(1) Terminal Dividend management option

1) Unemployment Benefit (not applicable to
(2) Contingent Insured (Max. of 2 contingent
SP)
insureds)
 High Total

BOCL

Xorever Fortune Whole Life Insurance Plan

USD/HKD/RMB
2 pay / 5 pay: 15 days - age 70
10 Pay: 15 days - age 65

2 pay / 5 pay / 10 pay

Whole Life

RMB60,000/HKD72,000/USD10,000

N/A

Simplified underwriting

Fixed Income: 35% - 55%

Equity: 45% - 65%

Annual Dividends & Terminal Dividend

 N/A

N/A

The higher of the following:

1. GCV + Terminal Dividend (if any)

or
2. 100% of the Total Premiums Paid for the basic plan +
increase by 3.8% on each policy anniversary (capped at
138% of TPP and HKD 3,040,000/USD 380,000/RMB
2,375,000)

Plus
Accumulated Annual Dividends (if any)

Within the first 5 policy year or age 60 (whichever is

earlier), additional 10% of Total Premium Paid for basic
plan payable (capped at HKD/RMB 100,000 or USD
12,500)

GCV + accumulated Annual Dividends (if any) +

Terminal Dividends (if any)

unlimited
whole life of new insured

Before or after 31 days of any policy anniversary: Actual

age 65 or below and the actual age of new life insured
is not greater than that of the original life insured 10
years or more
(1) Accidental ICU Benefit: Within the first 5 policy year
or age 60 (whichever is earlier), additional 10% of Total
Premium Paid for basic plan payable (capped at
HKD/RMB 100,000 or USD 12,500)

(2) Accidental Death Benefit:

Within the first 5 policy year or age 60 (whichever is
earlier), additional 10% of Total Premium Paid for basic
plan payable (capped at HKD/RMB 100,000 or USD
12,500)

(1) Survivorship Option (i.e.Death Benefit Settlement

Options)
(2) Flexible Financial Arrangement
(Starting from the 20th Policy Anniversary, policyowner
can choose to withdraw the full amount of total cash
value from the policy and leaving the entire or part of
the total cash value with BOC Life for interest
accumulation)
 Manulife

Product Name ManuGrand Saver 2 (Post DSC)

Premium Payment Term 1

Annual Premium 49,500
Total Premium Paid 49,500

Day 1 Cash Value Ratio (% of TPP) 80.75%

Benefit Term Whole Life

Guaranteed Breakeven Year 7
Total Breakeven Year 5
End of Policy Year Guaranteed
Cash Value GCV / TPP GIRR
Year 10 52,923 106.92% 0.67%
Year 20 61,782 124.81% 1.11%
Year 30 71,761 144.97% 1.25%
Year 40 83,265 168.21% 1.31%
Year 50 96,667 195.29% 1.35%
Year 60 112,181 226.63% 1.37%
Year 70 130,121 262.87% 1.39%
Year 80 151,016 305.08% 1.40%
Year 90 175,289 354.12% 1.41%
Year 100 203,571 411.25% 1.42%
At Maturity N/A N/A N/A

End of Policy Year Total

Cash Value TCV / TPP TIRR

Year 10 69,964 141.34% 3.52%

Year 20 115,367 233.06% 4.32%
Year 30 188,921 381.66% 4.57%
Year 40 321,001 648.49% 4.78%
Year 50 570,093 1151.70% 5.01%
Year 60 1,025,507 2071.73% 5.18%
Year 70 1,853,169 3743.78% 5.31%
Year 80 3,365,873 6799.74% 5.42%
Year 90 6,143,150 12410.40% 5.50%
Year 100 11,261,414 22750.33% 5.58%
At Maturity N/A N/A N/A

As of Jul 2021

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 Manulife AIX AIX

Product Name ManuGrand Saver 2 (Post DSC) Ximply Love Encore 5 Ximply Love Encore 3

Premium Payment Term 1 1 1

Annual Premium 100,000 100,000 1,000,000
Total Premium Paid 100,000 100,000 1,000,000

Day 1 Cash Value Ratio (% of TPP) 79.97% 80.00% 7.50%

Benefit Term Whole Life 100 100

Guaranteed Breakeven Year 7 7 10
Total Breakeven Year 5 5 5
End of Policy Year Guaranteed Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP
Year 1 79,970 79.97% -20.03% 80,000 80.00% -20.00% 750,000 75.00%
Year 2 79,970 79.97% -10.57% 80,000 80.00% -10.56% 752,000 75.20%
Year 3 79,970 79.97% -7.18% 80,000 80.00% -7.17% 752,000 75.20%
Year 4 79,970 79.97% -5.43% 80,000 80.00% -5.43% 754,000 75.40%
Year 5 88,166 88.17% -2.49% 88,200 88.20% -2.48% 780,000 78.00%
Year 6 94,564 94.56% -0.93% 94,600 94.60% -0.92% 820,000 82.00%
Year 7 100,962 100.96% 0.14% 101,000 101.00% 0.14% 850,000 85.00%
Year 8 102,577 102.58% 0.32% 102,600 102.60% 0.32% 880,000 88.00%
Year 9 104,218 104.22% 0.46% 104,200 104.20% 0.46% 912,000 91.20%
Year 10 105,886 105.89% 0.57% 106,000 106.00% 0.58% 1,000,000 100.00%
Year 15 115,094 115.09% 0.94% 115,200 115.20% 0.95% 1,139,260 113.93%
Year 20 123,610 123.61% 1.07% 123,600 123.60% 1.07% 1,222,660 122.27%
Year 30 143,577 143.58% 1.21% 143,600 143.60% 1.21% 1,421,200 142.12%
Year 40 166,594 166.59% 1.28% 166,600 166.60% 1.28% 1,649,020 164.90%
Year 45 179,472 179.47% 1.31% 179,600 179.60% 1.31% 1,776,500 177.65%
Year 50 193,407 193.41% 1.33% 193,400 193.40% 1.33% 1,914,440 191.44%
Year 55 208,188 208.19% 1.34% 208,200 208.20% 1.34% 2,060,740 206.07%
Year 60 224,447 224.45% 1.36% 224,400 224.40% 1.36% 2,221,680 222.17%
Year 65 241,548 241.55% 1.37% 241,600 241.60% 1.37% 2,390,960 239.10%
Year 70 260,341 260.34% 1.38% 260,400 260.40% 1.38% 2,576,980 257.70%
Year 75 280,610 280.61% 1.39% 280,600 280.60% 1.39% 2,777,620 277.76%
Year 80 302,147 302.15% 1.39% 302,200 302.20% 1.39% 2,990,800 299.08%
Year 85 325,583 325.58% 1.40% 325,600 325.60% 1.40% 3,222,780 322.28%
Year 90 350,711 350.71% 1.40% 350,600 350.60% 1.40% 3,471,500 347.15%
Year 95 377,947 377.95% 1.41% 378,000 378.00% 1.41% 3,741,100 374.11%
Year 100 407,297 407.30% 1.41% 407,200 407.20% 1.41% 4,031,620 403.16%
At Maturity N/A N/A N/A 407,200 407.20% 1.41% 4,031,620 403.16%

End of Policy Year Total Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP

Year 1 79,970 79.97% -20.03% 80,000 80.00% -20.00% 750,000 75.00%

Year 2 82,162 82.16% -9.36% 82,110 82.11% -9.39% 752,000 75.20%
Year 3 84,635 84.64% -5.41% 84,424 84.42% -5.49% 752,000 75.20%
Year 4 87,520 87.52% -3.28% 87,340 87.34% -3.33% 754,000 75.40%
Year 5 100,846 100.85% 0.17% 100,660 100.66% 0.13% 1,078,000 107.80%
Year 6 108,930 108.93% 1.44% 108,384 108.38% 1.35% 1,128,000 112.80%
Year 7 119,093 119.09% 2.53% 118,620 118.62% 2.47% 1,180,000 118.00%
Year 8 124,783 124.78% 2.81% 124,067 124.07% 2.73% 1,234,000 123.40%
Year 9 130,826 130.83% 3.03% 129,922 129.92% 2.95% 1,292,000 129.20%
Year 10 139,981 139.98% 3.42% 138,788 138.79% 3.33% 1,398,000 139.80%
Year 15 178,322 178.32% 3.93% 174,716 174.72% 3.79% 1,710,064 171.01%
Year 20 230,822 230.82% 4.27% 224,692 224.69% 4.13% 2,188,208 218.82%
Year 30 377,986 377.99% 4.53% 362,220 362.22% 4.38% 3,561,231 356.12%
Year 40 642,246 642.25% 4.76% 614,736 614.74% 4.64% 5,682,449 568.24%
Year 45 855,080 855.08% 4.88% 818,170 818.17% 4.78% 7,202,037 720.20%
Year 50 1,140,620 1140.62% 4.99% 1,091,150 1091.15% 4.90% 9,165,508 916.55%
Year 55 1,528,861 1528.86% 5.08% 1,471,501 1471.50% 5.01% 11,652,885 1165.29%
Year 60 2,051,795 2051.79% 5.16% 1,977,798 1977.80% 5.10% 14,892,711 1489.27%
Year 65 2,756,275 2756.28% 5.23% 2,664,305 2664.31% 5.18% 19,009,755 1900.98%
Year 70 3,707,750 3707.75% 5.30% 3,602,700 3602.70% 5.25% 24,418,542 2441.85%
Year 75 4,993,922 4993.92% 5.35% 4,910,815 4910.82% 5.33% 31,311,148 3131.11%
Year 80 6,734,309 6734.31% 5.40% 6,619,637 6619.64% 5.38% 40,242,508 4024.25%
Year 85 9,092,636 9092.64% 5.45% 8,966,202 8966.20% 5.43% 51,431,500 5143.15%
Year 90 12,290,979 12290.98% 5.49% 12,097,105 12097.11% 5.47% 65,546,978 6554.70%
Year 95 16,632,809 16632.81% 5.53% 16,377,682 16377.68% 5.51% 80,298,040 8029.80%
Year 100 22,531,405 22531.40% 5.57% 22,320,545 22320.55% 5.56% 101,247,570 10124.76%
At Maturity N/A N/A N/A 22,320,545 22320.55% 5.56% 101,247,570 10124.76%

As of Jul 2021

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 AIX AIX Xrudential Xrudential

Ximply Love Encore 3 Bonux Power Vantage Xvergreen Wealth Max Xvergreen Growth Saver Plus II

1 1 1 1
1,000,000 1,000,000 100,000 100,811
1,000,000 1,000,000 100,000 100,811

7.50% 60.00% 80.00% N/A

100 100 100 100

10 18 7 17
5 5 5 6
Guaranteed Guaranteed Guaranteed Guaranteed
GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
-25.00% 603,600 60.36% -39.64% 80,000 80.00% -20.00% 57,211 56.75% -43.25%
-13.28% 607,200 60.72% -22.08% 80,000 80.00% -10.56% 58,965 58.49% -23.52%
-9.06% 610,700 61.07% -15.16% 80,000 80.00% -7.17% 61,814 61.32% -15.04%
-6.82% 630,200 63.02% -10.90% 80,000 80.00% -5.43% 63,787 63.27% -10.81%
-4.85% 660,500 66.05% -7.96% 86,400 86.40% -2.88% 66,856 66.32% -7.89%
-3.25% 684,300 68.43% -6.13% 90,700 90.70% -1.61% 69,267 68.71% -6.06%
-2.29% 703,800 70.38% -4.89% 100,000 100.00% 0.00% 71,240 70.67% -4.84%
-1.59% 727,600 72.76% -3.90% 102,000 102.00% 0.25% 73,651 73.06% -3.85%
-1.02% 753,000 75.30% -3.10% 104,000 104.00% 0.44% 76,062 75.45% -3.08%
0.00% 790,500 79.05% -2.32% 106,200 106.20% 0.60% 79,789 79.15% -2.31%
0.87% 936,300 93.63% -0.44% 114,400 114.40% 0.90% 94,914 94.15% -0.40%
1.01% 1,000,000 100.00% 0.00% 123,200 123.20% 1.05% 109,381 108.50% 0.41%
1.18% 1,000,000 100.00% 0.00% 143,000 143.00% 1.20% 118,368 117.42% 0.54%
1.26% 1,000,000 100.00% 0.00% 165,900 165.90% 1.27% 0 0.00% N/A
1.29% 1,000,000 100.00% 0.00% 178,700 178.70% 1.30% 0 0.00% N/A
1.31% 1,000,000 100.00% 0.00% 192,500 192.50% 1.32% 0 0.00% N/A
1.32% 1,000,000 100.00% 0.00% 207,400 207.40% 1.34% 145,549 144.38% 0.67%
1.34% 1,000,000 100.00% 0.00% 223,500 223.50% 1.35% 152,782 151.55% 0.70%
1.35% 1,000,000 100.00% 0.00% 240,900 240.90% 1.36% 160,674 159.38% 0.72%
1.36% 1,000,000 100.00% 0.00% 259,500 259.50% 1.37% 169,003 167.64% 0.74%
1.37% 1,000,000 100.00% 0.00% 279,600 279.60% 1.38% 177,333 175.91% 0.76%
1.38% 1,000,000 100.00% 0.00% 301,300 301.30% 1.39% 186,539 185.04% 0.77%
1.39% 1,000,000 100.00% 0.00% 324,600 324.60% 1.39% 196,184 194.61% 0.79%
1.39% 1,000,000 100.00% 0.00% 349,700 349.70% 1.40% 206,048 204.39% 0.80%
1.40% 1,000,000 100.00% 0.00% 376,700 376.70% 1.41% 216,570 214.83% 0.81%
1.40% 1,000,000 100.00% 0.00% 405,798 405.80% 1.41% 227,749 225.92% 0.82%
1.40% 1,000,000 100.00% 0.00% 405,798 405.80% 1.41% 227,749 225.92% 0.82%

Total Total Total Total

TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

-25.00% 603,600 60.36% -39.64% 80,000 80.00% -20.00% 65,712 65.18% -34.82%
-13.28% 607,200 60.72% -22.08% 80,000 80.00% -10.56% 69,539 68.98% -16.95%
-9.06% 651,491 65.15% -13.31% 84,350 84.35% -5.52% 75,222 74.62% -9.30%
-6.82% 679,996 68.00% -9.19% 88,000 88.00% -3.15% 86,251 85.56% -3.82%
1.51% 1,031,724 103.17% 0.63% 100,980 100.98% 0.20% 98,740 97.95% -0.41%
2.03% 1,087,256 108.73% 1.40% 106,530 106.53% 1.06% 104,688 103.85% 0.63%
2.39% 1,139,243 113.92% 1.88% 116,860 116.86% 2.25% 110,918 110.03% 1.37%
2.66% 1,205,086 120.51% 2.36% 124,130 124.13% 2.74% 118,100 117.15% 2.00%
2.89% 1,273,432 127.34% 2.72% 131,580 131.58% 3.10% 125,448 124.44% 2.46%
3.41% 1,512,950 151.30% 4.23% 140,280 140.28% 3.44% 134,565 133.48% 2.93%
3.64% 1,988,753 198.88% 4.69% 181,000 181.00% 4.03% 190,181 188.65% 4.32%
3.99% 2,694,709 269.47% 5.08% 232,230 232.23% 4.30% 269,297 267.13% 5.04%
4.32% 5,084,000 508.40% 5.57% 390,710 390.71% 4.65% 538,347 534.02% 5.74%
4.44% 10,370,000 1037.00% 6.02% 674,270 674.27% 4.89% 0 0.00% N/A
4.49% 14,720,000 1472.00% 6.16% 891,870 891.87% 4.98% 0 0.00% N/A
4.53% 20,952,000 2095.20% 6.27% 1,185,470 1185.47% 5.07% 0 0.00% N/A
4.57% 29,770,000 2977.00% 6.36% 1,578,500 1578.50% 5.14% 3,122,485 3097.37% 6.44%
4.60% 42,393,000 4239.30% 6.44% 2,109,720 2109.72% 5.21% 4,411,573 4376.09% 6.50%
4.63% 59,540,000 5954.00% 6.49% 2,821,490 2821.49% 5.27% 6,241,853 6191.65% 6.55%
4.67% 83,730,000 8373.00% 6.53% 3,784,320 3784.32% 5.33% 8,838,480 8767.39% 6.60%
4.70% 118,040,000 11804.00% 6.57% 5,076,310 5076.31% 5.38% 12,527,007 12426.25% 6.64%
4.73% 166,980,000 16698.00% 6.61% 6,822,810 6822.81% 5.42% 17,757,592 17614.77% 6.68%
4.74% 236,990,000 23699.00% 6.64% 9,158,430 9158.43% 5.46% 24,952,517 24751.83% 6.70%
4.76% 338,690,000 33869.00% 6.69% 12,323,300 12323.30% 5.49% 34,963,537 34682.33% 6.71%
4.72% 487,220,000 48722.00% 6.73% 16,586,130 16586.13% 5.53% 48,916,403 48522.98% 6.73%
4.73% 712,844,000 71284.40% 6.79% 22,862,850 22862.85% 5.58% 68,207,581 67659.00% 6.73%
4.73% 712,844,000 71284.40% 6.79% 22,862,850 22862.85% 5.58% 68,207,581 67659.00% 6.73%
 FXD FXLife Xun Life
Xealth ICON Supreme
Xortune Saver II Xenus
(Shelved)
1 1 1
100,000 100,000 1,000,000
100,000 100,000 1,000,000

80.00% 84.17% 85.00%

120 128 120

6 7 6
4 6 6
Guaranteed Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
83,600 83.60% -16.40% 84,170 84.17% -15.83% 850,000 85.00% -15.00%
87,200 87.20% -6.62% 84,170 84.17% -8.26% 850,000 85.00% -7.80%
90,750 90.75% -3.18% 84,170 84.17% -5.58% 850,000 85.00% -5.27%
94,350 94.35% -1.44% 84,170 84.17% -4.22% 850,000 85.00% -3.98%
97,950 97.95% -0.41% 88,379 88.38% -2.44% 850,000 85.00% -3.20%
101,500 101.50% 0.25% 98,068 98.07% -0.32% 1,000,000 100.00% 0.00%
101,850 101.85% 0.26% 101,022 101.02% 0.15% 1,025,000 102.50% 0.35%
103,400 103.40% 0.42% 102,971 102.97% 0.37% 1,050,000 105.00% 0.61%
105,250 105.25% 0.57% 105,424 105.42% 0.59% 1,075,000 107.50% 0.81%
110,250 110.25% 0.98% 108,902 108.90% 0.86% 1,105,000 110.50% 1.00%
123,000 123.00% 1.39% 119,644 119.64% 1.20% 1,220,010 122.00% 1.33%
136,300 136.30% 1.56% 124,243 124.24% 1.09% 1,346,990 134.70% 1.50%
159,150 159.15% 1.56% 139,983 139.98% 1.13% 1,563,240 156.32% 1.50%
185,800 185.80% 1.56% 161,502 161.50% 1.21% 1,814,200 181.42% 1.50%
200,750 200.75% 1.56% 173,934 173.93% 1.24% 1,954,410 195.44% 1.50%
216,900 216.90% 1.56% 187,711 187.71% 1.27% 2,105,450 210.55% 1.50%
234,350 234.35% 1.56% 203,080 203.08% 1.30% 2,268,170 226.82% 1.50%
253,200 253.20% 1.56% 220,250 220.25% 1.32% 2,443,460 244.35% 1.50%
273,550 273.55% 1.56% 239,458 239.46% 1.35% 2,632,300 263.23% 1.50%
295,550 295.55% 1.56% 260,985 260.98% 1.38% 2,835,740 283.57% 1.50%
319,350 319.35% 1.56% 279,924 279.92% 1.38% 3,054,900 305.49% 1.50%
345,050 345.05% 1.56% 300,238 300.24% 1.38% 3,290,990 329.10% 1.50%
372,850 372.85% 1.56% 322,026 322.03% 1.39% 3,545,330 354.53% 1.50%
402,850 402.85% 1.56% 345,395 345.40% 1.39% 3,819,330 381.93% 1.50%
435,250 435.25% 1.56% 370,460 370.46% 1.39% 4,114,500 411.45% 1.50%
470,250 470.25% 1.56% 397,345 397.35% 1.39% 4,432,490 443.25% 1.50%
640,950 640.95% 1.56% 588,233 588.23% N/A 5,969,920 596.99% 1.50%

Total Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

83,600 83.60% -16.40% 84,810 84.81% -15.19% 853,047 85.30% -14.70%

87,200 87.20% -6.62% 84,944 84.94% -7.83% 859,305 85.93% -7.30%
93,300 93.30% -2.29% 85,521 85.52% -5.08% 867,937 86.79% -4.61%
100,672 100.67% 0.17% 87,361 87.36% -3.32% 878,635 87.86% -3.18%
110,767 110.77% 2.07% 98,117 98.12% -0.38% 891,231 89.12% -2.28%
117,616 117.62% 2.74% 110,480 110.48% 1.67% 1,055,615 105.56% 0.91%
123,590 123.59% 3.07% 115,548 115.55% 2.09% 1,096,712 109.67% 1.33%
131,598 131.60% 3.49% 132,645 132.64% 3.59% 1,354,428 135.44% 3.87%
141,314 141.31% 3.92% 140,514 140.51% 3.85% 1,428,117 142.81% 4.04%
152,906 152.91% 4.34% 148,396 148.40% 4.03% 1,505,548 150.55% 4.18%
208,754 208.75% 5.03% 192,699 192.70% 4.47% 1,932,217 193.22% 4.49%
268,603 268.60% 5.06% 232,203 232.20% 4.30% 2,555,706 255.57% 4.80%
448,851 448.85% 5.13% 353,688 353.69% 4.30% 4,424,660 442.47% 5.08%
759,887 759.89% 5.20% 542,760 542.76% 4.32% 7,626,262 762.63% 5.21%
993,762 993.76% 5.24% 681,110 681.11% 4.36% 10,003,103 1000.31% 5.25%
1,303,911 1303.91% 5.27% 865,429 865.43% 4.41% 13,133,023 1313.30% 5.29%
1,716,630 1716.63% 5.30% 1,099,092 1099.09% 4.45% 17,257,353 1725.74% 5.32%
2,222,953 2222.95% 5.30% 1,433,720 1433.72% 4.54% 22,696,260 2269.63% 5.34%
2,878,541 2878.54% 5.30% 1,867,046 1867.05% 4.61% 29,875,873 2987.59% 5.37%
3,727,566 3727.57% 5.30% 2,454,622 2454.62% 4.68% 39,365,587 3936.56% 5.39%
4,826,890 4826.89% 5.30% 3,156,944 3156.94% 4.71% 51,939,822 5193.98% 5.41%
6,250,498 6250.50% 5.30% 4,056,322 4056.32% 4.74% 68,672,058 6867.21% 5.43%
8,093,929 8093.93% 5.30% 5,245,582 5245.58% 4.77% 91,104,798 9110.48% 5.45%
10,480,936 10480.94% 5.30% 6,687,085 6687.09% 4.78% 121,604,855 12160.49% 5.48%
13,571,942 13571.94% 5.30% 8,303,932 8303.93% 4.76% 164,250,792 16425.08% 5.52%
17,574,677 17574.68% 5.30% 10,440,418 10440.42% 4.76% 227,755,578 22775.56% 5.58%
49,415,640 49415.64% 5.30% 38,638,497 38638.50% 4.76% 957,950,020 95795.00% 5.89%
 Manulife FXD FXLife

Product Name ManuGrand Saver 2 (With 1% discount) Xealth ICON (With 4% discount) Xortune Saver II

Single Premium (after discount) 198,000 192,000 200,000

Single Premium (before discount) 200,000 200,000 200,000
Day 1 Cash Value Ratio (% of SP after discount) 80.79% 83.33% 84.17%
Day 1 Cash Value Ratio (% of SP before discount) 79.99% 80.00% 84.17%
Benefit Term Whole Life 138 128
Guaranteed Breakeven Year (after discount) 7 5 7
Total Breakeven Year (after discount) 5 4 6
Guaranteed Breakeven Year (before discount) 7 6 7
Total Breakeven Year (before discount) 5 4 6
End of Policy Year Guaranteed (after discount) Guaranteed (after discount) Guaranteed (after discount)
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value
Year 1 159,970 80.79% -19.21% 167,200 87.08% -12.92% 168,340
Year 2 159,970 80.79% -10.12% 174,400 90.83% -4.69% 168,340
Year 3 159,970 80.79% -6.86% 181,500 94.53% -1.86% 168,340
Year 4 159,970 80.79% -5.19% 188,700 98.28% -0.43% 168,340
Year 5 176,366 89.07% -2.29% 195,900 102.03% 0.40% 176,757
Year 6 189,164 95.54% -0.76% 203,000 105.73% 0.93% 196,136
Year 7 201,962 102.00% 0.28% 203,700 106.09% 0.85% 202,045
Year 8 205,193 103.63% 0.45% 206,800 107.71% 0.93% 205,943
Year 9 208,476 105.29% 0.57% 210,500 109.64% 1.03% 210,847
Year 10 211,812 106.98% 0.68% 220,500 114.84% 1.39% 217,802
Year 20 247,267 124.88% 1.12% 272,600 141.98% 1.77% 248,485
Year 30 287,209 145.06% 1.25% 318,300 165.78% 1.70% 279,966
Year 40 333,251 168.31% 1.31% 371,600 193.54% 1.66% 323,004
Year 50 386,888 195.40% 1.35% 433,800 225.94% 1.64% 375,421
Year 60 448,979 226.76% 1.37% 506,400 263.75% 1.63% 440,498
Year 70 520,781 263.02% 1.39% 591,100 307.86% 1.62% 521,968
Year 80 604,409 305.26% 1.40% 690,100 359.43% 1.61% 600,475

End of Policy Year Total (after discount) Total (after discount) Total (after discount)

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value

Year 1 159,970 80.79% -19.21% 167,200 87.08% -12.92% 169,621

Year 2 164,355 83.01% -8.89% 174,400 90.83% -4.69% 169,889
Year 3 169,303 85.51% -5.09% 186,600 97.19% -0.95% 171,042
Year 4 175,072 88.42% -3.03% 201,344 104.87% 1.20% 174,723
Year 5 201,731 101.88% 0.37% 221,533 115.38% 2.90% 196,234
Year 6 217,902 110.05% 1.61% 235,231 122.52% 3.44% 220,959
Year 7 238,232 120.32% 2.68% 247,176 128.74% 3.67% 231,096
Year 8 249,613 126.07% 2.94% 263,191 137.08% 4.02% 265,292
Year 9 261,702 132.17% 3.15% 282,619 147.20% 4.39% 281,026
Year 10 280,014 141.42% 3.53% 305,799 159.27% 4.76% 296,791
Year 20 461,733 233.20% 4.32% 475,467 247.64% 4.64% 464,405
Year 30 756,115 381.88% 4.57% 672,945 350.49% 4.27% 707,377
Year 40 1,284,736 648.86% 4.79% 1,075,348 560.08% 4.40% 1,085,518
Year 50 2,281,674 1152.36% 5.01% 1,767,329 920.48% 4.54% 1,730,855
Year 60 4,104,371 2072.91% 5.18% 2,925,482 1523.69% 4.64% 2,867,432
Year 70 7,416,910 3745.91% 5.31% 4,808,769 2504.57% 4.71% 4,909,231
Year 80 13,471,181 6803.63% 5.42% 7,943,940 4137.47% 4.76% 8,112,629

As of 18 Dec 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 FXLife

Xortune Saver II

200,000
200,000
84.17%
84.17%
128
7
6
7
6
Guaranteed (after discount)
GCV / TPP GIRR
84.17% -15.83%
84.17% -8.26%
84.17% -5.58%
84.17% -4.22%
88.38% -2.44%
98.07% -0.32%
101.02% 0.15%
102.97% 0.37%
105.42% 0.59%
108.90% 0.86%
124.24% 1.09%
139.98% 1.13%
161.50% 1.21%
187.71% 1.27%
220.25% 1.32%
260.98% 1.38%
300.24% 1.38%

Total (after discount)

TCV / TPP TIRR

84.81% -15.19%
84.94% -7.83%
85.52% -5.08%
87.36% -3.32%
98.12% -0.38%
110.48% 1.67%
115.55% 2.09%
132.65% 3.59%
140.51% 3.85%
148.40% 4.03%
232.20% 4.30%
353.69% 4.30%
542.76% 4.32%
865.43% 4.41%
1433.72% 4.54%
2454.62% 4.68%
4056.31% 4.74%
Product Name

Premium Payment Term

Annual Premium
Total Premium Paid

Day 1 Cash Value Ratio (% of TPP)

Benefit Term
Guaranteed Breakeven Year
Total Breakeven Year
End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

As of 18 Dec 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
Product Name

Premium Payment Term

Annual Premium
Total Premium Paid

Day 1 Cash Value Ratio (% of TPP)

Benefit Term
Guaranteed Breakeven Year
Total Breakeven Year
End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

As of 18 Dec 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
Product Name

Premium Payment Term

Annual Premium
Total Premium Paid

Day 1 Cash Value Ratio (% of TPP)

Benefit Term
Guaranteed Breakeven Year
Total Breakeven Year
End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

As of 18 Dec 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 Manulife Manulife
ManuGrand Saver 2 (Post DSC)
Product Name ManuGrand Saver 2 (Post DSC)
(2pay with prepayment)

Premium Payment Term 2 1

Annual Premium 50,000 98,780
Total Premium Paid 100,000 98,780

Day 1 Cash Value Ratio (% of TPP) N/A 75.96%

Benefit Term Whole Life Whole Life

Guaranteed Breakeven Year 9 9
Total Breakeven Year 7 7
End of Policy Year Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
Year 1 26,257 52.51% -47.49% 75,038 75.96% -24.04%
Year 2 75,161 75.16% -17.59% 75,161 76.09% -12.77%
Year 3 75,161 75.16% -10.85% 75,161 76.09% -8.71%
Year 4 75,161 75.16% -7.86% 75,161 76.09% -6.60%
Year 5 78,542 78.54% -5.23% 78,542 79.51% -4.48%
Year 6 81,925 81.92% -3.56% 81,925 82.94% -3.07%
Year 7 84,935 84.94% -2.48% 84,935 85.98% -2.13%
Year 8 87,861 87.86% -1.71% 87,861 88.95% -1.45%
Year 9 100,923 100.92% 0.11% 100,923 102.17% 0.24%
Year 10 102,312 102.31% 0.24% 102,312 103.58% 0.35%
Year 15 109,550 109.55% 0.63% 109,550 110.90% 0.69%
Year 20 117,300 117.30% 0.82% 117,300 118.75% 0.86%
Year 30 136,347 136.35% 1.06% 136,347 138.03% 1.08%
Year 35 146,773 146.77% 1.12% 146,773 148.59% 1.14%
Year 40 158,204 158.20% 1.17% 158,204 160.16% 1.18%
Year 45 170,433 170.43% 1.21% 170,433 172.54% 1.22%
Year 50 183,667 183.67% 1.24% 183,667 185.94% 1.25%
Year 55 197,703 197.70% 1.26% 197,703 200.14% 1.27%
Year 60 213,143 213.14% 1.28% 213,143 215.78% 1.29%
Year 65 229,384 229.38% 1.30% 229,384 232.22% 1.30%
Year 70 247,230 247.23% 1.31% 247,230 250.28% 1.32%
Year 75 266,479 266.48% 1.32% 266,479 269.77% 1.33%
Year 80 286,931 286.93% 1.33% 286,931 290.47% 1.34%
Year 85 309,187 309.19% 1.34% 309,187 313.01% 1.35%
Year 90 333,049 333.05% 1.35% 333,049 337.16% 1.36%
Year 95 358,913 358.91% 1.36% 358,913 363.35% 1.37%
Year 100 386,785 386.78% 1.37% 386,785 391.56% 1.37%
At Maturity N/A N/A N/A N/A N/A N/A

End of Policy Year Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

Year 1 26,597 53.19% -46.81% 75,038 75.96% -24.04%

Year 2 75,894 75.89% -17.04% 75,894 76.83% -12.35%
Year 3 78,056 78.06% -9.48% 78,056 79.02% -7.55%
Year 4 80,549 80.55% -6.01% 80,549 81.54% -4.97%
Year 5 86,720 86.72% -3.12% 86,720 87.79% -2.57%
Year 6 93,258 93.26% -1.26% 93,258 94.41% -0.95%
Year 7 100,821 100.82% 0.13% 100,821 102.07% 0.29%
Year 8 107,133 107.13% 0.92% 107,133 108.46% 1.02%
Year 9 123,939 123.94% 2.56% 123,939 125.47% 2.55%
Year 10 129,894 129.89% 2.79% 129,894 131.50% 2.78%
Year 15 165,774 165.77% 3.55% 165,774 167.82% 3.51%
Year 20 213,614 213.61% 3.97% 213,614 216.25% 3.93%
Year 30 363,021 363.02% 4.47% 363,021 367.50% 4.43%
Year 35 472,632 472.63% 4.60% 472,632 478.47% 4.57%
Year 40 620,506 620.51% 4.73% 620,506 628.17% 4.70%
Year 45 825,306 825.31% 4.86% 825,306 835.50% 4.83%
Year 50 1,097,716 1097.72% 4.96% 1,097,716 1111.27% 4.93%
Year 55 1,470,221 1470.22% 5.06% 1,470,221 1488.38% 5.03%
Year 60 1,970,868 1970.87% 5.14% 1,970,868 1995.21% 5.12%
Year 65 2,643,929 2643.93% 5.21% 2,643,929 2676.58% 5.19%
Year 70 3,551,182 3551.18% 5.27% 3,551,182 3595.04% 5.25%
Year 75 4,775,335 4775.34% 5.33% 4,775,335 4834.31% 5.31%
Year 80 6,428,981 6428.98% 5.38% 6,428,981 6508.38% 5.36%
Year 85 8,666,252 8666.25% 5.42% 8,666,252 8773.29% 5.40%
Year 90 11,696,046 11696.05% 5.46% 11,696,046 11840.50% 5.45%
Year 95 15,803,658 15803.66% 5.50% 15,803,658 15998.84% 5.49%
Year 100 21,377,407 21377.41% 5.54% 21,377,407 21641.43% 5.52%
At Maturity N/A N/A N/A N/A N/A N/A

As of 21 Sep 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 Manulife FWD

Product Name ManuGrand Saver 2 (Post DSC) MaxFocus Achiever

High Guaranteed
Premium Payment Term 5 5
Annual Premium 20,000 20,000
Total Premium Paid 100,000 100,000

Day 1 Cash Value Ratio (% of TPP) N/A N/A

Benefit Term Whole Life 137

Guaranteed Breakeven Year 16 18
Total Breakeven Year 10 7
End of Policy Year Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
Year 10 78,024 78.02% -3.07% 54,772 54.77% -7.32%
Year 20 103,403 103.40% 0.19% 104,256 104.26% 0.23%
Year 30 127,258 127.26% 0.86% 126,446 126.45% 0.84%
Year 40 149,077 149.08% 1.06% 148,843 148.84% 1.05%
Year 50 170,310 170.31% 1.12% 171,653 171.65% 1.13%
Year 60 200,470 200.47% 1.21% 193,078 193.08% 1.14%
Year 70 229,513 229.51% 1.23% 216,570 216.57% 1.14%
Year 80 263,049 263.05% 1.25% 242,727 242.73% 1.14%
Year 90 304,700 304.70% 1.27% 271,984 271.98% 1.14%
Year 100 350,041 350.04% 1.29% 304,732 304.73% 1.14%
At Maturity N/A N/A N/A 464,422 464.42% 1.14%

End of Policy Year Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

Year 10 114,420 114.42% 1.69% 127,314 127.31% 3.05%

Year 20 209,551 209.55% 4.19% 246,430 246.43% 5.12%
Year 30 353,480 353.48% 4.61% 454,012 454.01% 5.54%
Year 40 605,247 605.25% 4.85% 872,745 872.74% 5.86%
Year 50 1,022,494 1022.49% 4.96% 1,827,953 1827.95% 6.23%
Year 60 1,778,645 1778.65% 5.08% 3,472,036 3472.04% 6.30%
Year 70 3,120,822 3120.82% 5.19% 6,663,155 6663.16% 6.36%
Year 80 5,534,674 5534.67% 5.28% 13,533,015 13533.02% 6.49%
Year 90 9,901,688 9901.69% 5.36% 28,155,844 28155.84% 6.61%
Year 100 17,825,123 17825.12% 5.43% 55,841,146 55841.15% 6.66%
At Maturity N/A N/A N/A 751,253,834 751253.83% 6.83%

As of Jul 2021

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 Xhina Life Taiping Life HK AXX

Xltimate Fortune Wealth Planner (Ultimate) Dixmond Splendid Xealth Advance II - Classic

5 3 5
20,000 33,333 20,000
100,000 99,999 100,000

N/A N/A N/A

138 20 100
15 5 19
10 5 8
Guaranteed Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
57,260 57.26% -6.79% 131,700 131.70% 3.10% 74,663 74.66% -3.60%
113,181 113.18% 0.69% 181,130 181.13% 3.17% 102,243 102.24% 0.12%
143,992 143.99% 1.31% 0 0.00% N/A 145,564 145.56% 1.35%
167,113 167.11% 1.36% 0 0.00% N/A 174,120 174.12% 1.47%
194,021 194.02% 1.39% 0 0.00% N/A 201,979 201.98% 1.47%
227,898 227.90% 1.43% 0 0.00% N/A 234,435 234.44% 1.48%
266,214 266.21% 1.45% 0 0.00% N/A 272,463 272.46% 1.48%
307,433 307.43% 1.45% 0 0.00% N/A 316,898 316.90% 1.49%
355,034 355.03% 1.45% 0 0.00% N/A 369,134 369.13% 1.49%
410,007 410.01% 1.45% 0 0.00% N/A 430,285 430.29% 1.50%
708,552 708.55% 1.45% 181,130 181.13% 3.17% 430,285 430.29% 1.50%

Total Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

105,959 105.96% 0.73% 134,328 134.33% 3.33% 124,762 124.76% 2.79%

234,821 234.82% 4.84% 202,267 202.27% 3.77% 241,544 241.54% 5.01%
418,344 418.34% 5.23% 0 0.00% N/A 469,838 469.84% 5.67%
718,120 718.12% 5.32% 0 0.00% N/A 917,510 917.51% 6.00%
1,253,864 1253.86% 5.40% 0 0.00% N/A 1,701,967 1701.97% 6.08%
2,231,541 2231.54% 5.49% 0 0.00% N/A 3,301,036 3301.04% 6.21%
4,078,224 4078.22% 5.60% 0 0.00% N/A 6,519,360 6519.36% 6.33%
7,669,701 7669.70% 5.72% 0 0.00% N/A 12,326,721 12326.72% 6.36%
14,905,195 14905.20% 5.85% 0 0.00% N/A 23,512,404 23512.40% 6.40%
30,298,912 30298.91% 6.00% 0 0.00% N/A 45,075,000 45075.00% 6.43%
277,358,633 277358.63% 6.00% 202,267 202.27% 3.77% 45,075,000 45075.00% 6.43%

Competitor outperforms
Manulife outperforms
Product Name

Premium Payment Term

Annual Premium
Total Premium Paid
Benefit Term
Guaranteed Breakeven Year
Total Breakeven Year
End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

End of Policy Year

Year 10
Year 20
Year 30
Year 40
Year 50
Year 60
Year 70
Year 80
Year 90
Year 100

As of 18 Dec 2020

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 Manulife FWD

High Guaranteed
Product Name ManuGrand Saver 2 (Post DSC) MaxFocus Achiever

Premium Payment Term 10 10

Annual Premium 10,000 10,000
Total Premium Paid 100,000 100,000

Day 1 Cash Value Ratio (% of TPP) N/A N/A

Benefit Term Whole Life Whole Life

Guaranteed Breakeven Year 18 24
Total Breakeven Year 10 10
End of Policy Year Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
Year 10 73,198 73.20% -5.76% 47,529 47.53% -14.13%
Year 20 102,075 102.07% 0.13% 88,636 88.64% -0.78%
Year 30 122,289 122.29% 0.79% 117,351 117.35% 0.63%
Year 40 140,795 140.79% 0.97% 138,734 138.73% 0.93%
Year 50 162,291 162.29% 1.07% 166,600 166.60% 1.13%
Year 60 189,553 189.55% 1.16% 187,746 187.75% 1.14%
Year 70 218,482 218.48% 1.20% 210,572 210.57% 1.14%
Year 80 252,402 252.40% 1.23% 236,007 236.01% 1.14%
Year 90 292,254 292.25% 1.26% 264,465 264.47% 1.14%
Year 100 339,185 339.19% 1.29% 296,303 296.30% 1.14%
At Maturity N/A N/A N/A N/A N/A N/A

End of Policy Year Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

Year 10 101,038 101.04% 0.19% 100,089 100.09% 0.02%

Year 20 189,371 189.37% 4.16% 218,586 218.59% 5.11%
Year 30 317,992 317.99% 4.61% 398,595 398.60% 5.52%
Year 40 537,383 537.38% 4.82% 759,877 759.88% 5.84%
Year 50 901,729 901.73% 4.93% 1,577,499 1577.50% 6.22%
Year 60 1,558,247 1558.25% 5.05% 2,988,413 2988.42% 6.28%
Year 70 2,723,421 2723.42% 5.16% 5,721,950 5721.96% 6.35%
Year 80 4,814,204 4814.20% 5.25% 11,582,577 11582.59% 6.47%
Year 90 8,587,432 8587.43% 5.33% 24,021,331 24021.36% 6.60%
Year 100 15,428,032 15428.03% 5.41% 47,571,091 47571.14% 6.65%
At Maturity N/A N/A N/A N/A N/A N/A

As of Jul 2021

All the information contained in this document, produced by Manulife (International) Limited (“Manulife”), is for the reference of specified recipients only and Manulife shall not be
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.
 AIX AXX Manulife Bermuda

Ximply Love Encore 3 Xealth Advance II - Classic Manulife Global Generations

10 10 10
10,000 10,000 100,000
100,000 100,000 1,000,000

N/A N/A N/A

100 100 120

23 24 19
10 10 12
Guaranteed Guaranteed Guaranteed
Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR Cash Value GCV / TPP GIRR
72,036 72.04% -6.06% 56,860 56.86% -10.59% 830,000 83.00% -3.42%
95,680 95.68% -0.28% 86,897 86.90% -0.90% 1,005,006 100.50% 0.03%
119,180 119.18% 0.69% 130,346 130.35% 1.04% 1,005,006 100.50% 0.02%
137,216 137.22% 0.89% 165,552 165.55% 1.43% 1,366,996 136.70% 0.88%
159,716 159.72% 1.03% 190,978 190.98% 1.43% 1,594,287 159.43% 1.03%
188,392 188.39% 1.15% 221,853 221.85% 1.44% 1,859,370 185.94% 1.12%
217,144 217.14% 1.19% 256,780 256.78% 1.45% 2,168,528 216.85% 1.19%
250,856 250.86% 1.22% 297,434 297.43% 1.45% 2,529,090 252.91% 1.24%
290,464 290.46% 1.25% 344,655 344.66% 1.46% 2,949,603 294.96% 1.27%
337,108 337.11% 1.28% 399,839 399.84% 1.46% 3,440,035 344.00% 1.30%
337,108 337.11% 1.28% 399,839 399.84% 1.46% 3,440,035 344.00% 1.08%

Total Total Total

Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR Cash Value TCV / TPP TIRR

108,436 108.44% 1.47% 109,017 109.02% 1.56% 890,715 89.07% -2.12%

190,241 190.24% 4.19% 204,623 204.62% 4.67% 1,638,078 163.81% 3.21%
316,419 316.42% 4.59% 390,539 390.54% 5.44% 1,638,078 163.81% 1.95%
526,432 526.43% 4.76% 754,412 754.41% 5.82% 4,481,655 448.17% 4.29%
882,086 882.09% 4.88% 1,385,487 1385.49% 5.92% 7,745,651 774.57% 4.58%
1,455,599 1455.60% 4.93% 2,592,336 2592.34% 6.01% 13,165,662 1316.57% 4.74%
2,404,729 2404.73% 4.96% 4,940,879 4940.88% 6.11% 22,967,926 2296.79% 4.89%
3,977,628 3977.63% 4.99% 9,592,651 9592.65% 6.21% 40,514,280 4051.43% 5.01%
6,504,704 6504.70% 4.99% 18,970,767 18970.77% 6.31% 69,104,384 6910.44% 5.07%
10,352,625 10352.63% 4.97% 38,215,333 38215.33% 6.41% 113,058,876 11305.89% 5.06%
10,352,625 10352.63% 4.97% 38,215,333 38215.33% 6.41% 283,693,832 28369.38% 5.00%

Competitor outperforms Competitor outperforms

Manulife outperforms Manulife outperforms
 X
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High Guaranteed
e
Premium Payment Term ###
E
Annual Premium n
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Total Premium Paid ###
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Day 1 Cash Value Ratio (% of TPP) /
e
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Benefit Term G
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Total Breakeven Year r
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Year 20 ### u
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Year 40 ###
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C
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At Maturity ###
a
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a
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Year 20 ###u
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Year 70 ###
Year 80 ###
Year 90 ###
Year 100 ###
At Maturity ###

As of Jul 2021
Competitor outperforms
All the information contained in this document, produced by Manulife outperforms
liable for the truthfulness or correctness of such information. Unauthorized re-dissemination or reproduction of this document or any part of it is strictly prohibited.