Your life goals are always changing. Make it happen with this right plan. ReadyBuilder

Transcription

1 Your life goals are always changing. Make it happen with this right plan. ReadyBuilder

2 Introducing ReadyBuilder Your goals change as your life changes. Get the plan that s with you, every step of the way. This plan lets you leave your money, and watch it grow. It is safe, stable with potential high returns.

3 Financial flexibility when you need it Allows you to stop paying premiums 1 while keeping your policy in force in times of need Allows you to take a 2-year interest-free loan 1 Wealth accumulation continuity (for Secondary Life Insured) Option to appoint your loved ones as the Secondary Life Insured 3 to continue your wealth accumulation. When you pass on, the policy can continue to grow and your next generation can enjoy the yields accumulated over the years. Insured: Father Bought ReadyBuilder Appoint son as Secondary Life Insured During the policy term, Father passed away and son becomes the new life insured New Insured: Son ReadyBuilder policy continues to grow Insurance protection for your family In the event of death or terminal illness, rest assured your family will be taken care of. Premiums 4 will be waived if Total and Permanent Disability occurs. Hassle-free application No health-checks needed. Allows you to withdraw 2 from the cash value Choice of premium periods to suit your needs You can choose to pay for 5, 10, 15, 20 years or pay a single lump sum savings as well. Enhance your plan for greater coverage Add on supplementary benefits for better peace of mind.

4 Achieve your goals Safe and stable returns Disciplined savings plan with increased returns over time Start with just $4 5 a day

5 How ReadyBuilder can help Sam: He could start with a good savings habit and build his wealth by setting aside S$200 every month. Sam has the flexibility to withdraw the cash value for any life goals! 2x 3x 4x Sam, aged 25, enters the workforce and has decided to purchase ReadyBuilder. He pays a monthly premium of S$200 and chooses a premium term of 20 years. Flexibility to withdraw from the cash value anytime he needs it. Premium Freeze option. In times of financial difficulties, he can apply to put premium payment on hold for a year. Sam bought a ReadyBuilder plan. Monthly premium: S$200 Premium payment term: 20 years Total in 20 years: S$48,000 S$120,984 S$177,604 S$257, Age Illustrations are not drawn to scale. Figures are based on illustrated investment returns of 4.75%p.a. Any withdrawal will reduce the long-term value of the policy.

6 Janice, a 35-year old married executive bought a ReadyBuilder plan with monthly premium of S$500 and a premium term of 10 years. She welcomes a baby boy at age 36 and appoints Jay (son) as the Secondary Life Insured. Policy owner & Primary life insured: Janice Secondary Life Insured: Jay (son) How ReadyBuilder can help Janice: Flexibility to withdraw from the cash value anytime she needs it Option to appoint her loved ones as secondary life insured for wealth accumulation continuity. In the event if she passes on, the appointed secondary life insured can continue with the wealth accumulation. Janice bought a ReadyBuilder plan. Monthly premium: S$500 Premium payment term: 10 years Total in 10 years: S$60,000 Janice has the flexibility to withdraw the cash value to fund her son s milestones! Welcome a new baby Appoint son as Secondary Life Insured 2x S$123,410 3x S$188,840 Janice passed on. Son becomes the new life insured and policy continues to grow 4x S$280, Age (Janice) Illustrations are not drawn to scale. Figures are based on illustrated investment returns of 4.75%p.a. Any withdrawal will reduce the long-term value of the policy.

7 Build your own path with the right plan. Contact us now at (65) or visit us at manulife.com.sg/readybuilder Notes 1 Terms and conditions apply, please refer to product summary for more details. 2 Any partial withdrawal will reduce the long term value of the policy. 3 Only spouse and child (age 17 and below) of the policy owner can be the Secondary Life Insured. It is not applicable for policy purchased with SRS funds. 4 This benefit will end at your policy anniversary date immediately after your 70th birthday or at the end of the premium payment term, whichever is earlier. 5 Applicable to premium term of 20 years only. Important Notes: ReadyBuilder and its riders are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No D). Applicable terms and conditions as well as payout limits apply. Please see the respective product summary and policy contract on ReadyBuilder for more details. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy s surrender value (if any) may be less than the total. This brochure is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. We recommend that you seek advice from a Manulife Financial Consultant before making a commitment to purchase a policy. If there are any differences between the English and Chinese versions of this brochure, the English version will apply. Information is correct as of 2 January 2018.