ManuPremier Protector
What is ManuPremier Protector?
Ensuring financial security for yourself and your loved ones is the key to sustaining your journey towards those important milestones we all look forward to.
ManuPremier Protector is designed to give you the lifelong protection you need to face the future with confidence, as well as the long-term savings opportunities to add exciting options to the journey ahead.
How we got you covered?
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Policy Reverse Mortgage Programme – for policy issued in Hong Kong only
ManuPremier Protector is the eligible life insurance plan under Policy Reverse Mortgage Programme ('PRMP'), providing you with a stream of steady cashflow for a carefree retirement. For further information, please refer to The Hong Kong Mortgage Corporation Limited and Policy Reverse Mortgage Programme website.
Policy Reverse Mortgage Programme – Eligible Life Insurance Plan
Important Note
ManuPremier Protector is an insurance product provided and underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability). The above provides only general information on this product for your reference only. Please download the product leaflet now or ask your Insurance/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.
Important notes for Policy Reverse Mortgage Programme - for policy issued in Hong Kong only
Please note that ManuPremier Protector is an eligible life insurance plan under Policy Reverse Mortgage Programme (‘PRMP’), but it does not necessarily mean that your PRMP application will be approved. The eligibility of this product under the PRMP is based on the features of the product. Therefore, you and your life insurance policy are still required to meet all the eligibility requirements under PRMP before you apply for the policy reverse mortgage loan.
Any general information provided on PRMP is for your reference only, and you should not make any decisions based on such information alone. Manulife shall not be responsible for the policyowner’s suitability and eligibility to apply for policy reverse mortgage. You should always seek for advice from professional bodies if you have any doubts. Please note that the information provided is subject to change including the eligibility criteria for PRMP. We do not take any responsibility to inform you about any changes and how they may affect you. The Policy Reverse Mortgage Programme is operated by HKMC Insurance Limited, a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited. For further information, please refer to The Hong Kong Mortgage Corporation Limited website: www.hkmc.com.hk.
Remarks
- The terminal bonus is not guaranteed. We will review and adjust the terminal bonus at least once a month, but we may do so more often. Please see ‘The main risks affecting the non-guaranteed terminal bonus and the accumulation interest rate of realized terminal bonus’ paragraph under the ‘Important Information’ section of the product leaflet.
- There may be a delay in making payment when you cash in your policy or exercise the realization option, especially during periods when the market is experiencing significant rises and falls in value. The actual amount of the terminal bonus that you can get will only be determined after your request has been processed. Under certain circumstances, for example, if the request is not received by us before our prevailing cut-off time or is not in our prescribed written format, such amount can be lower or higher than the amount of the terminal bonus tentatively indicated to you at the time you submit the request. Please check with Manulife for the prevailing operational rules and the latest amount of the terminal bonus under your policy before exercising the realization option. The accumulation interest rate for building up the realized terminal bonus left with us is not guaranteed and we may change it from time to time. Please see ‘the main risks affecting the non-guaranteed terminal bonus and the accumulation interest rate of realized terminal bonus’ paragraph in the ‘Important Information’ section in product leaflet.
- You can exercise the realization option within 31 days from the Realization Anniversary (that is, the 15th policy anniversary or every policy anniversary thereafter) as long as the aggregate realization percentage under the policy does not exceed 50%. To exercise the realization option, you must submit a written application in a prescribed format required by us. Once submitted, the application for exercising such option cannot be withdrawn and no realized terminal bonus will be allowed to be reversed. Exercising the realization option will reduce any future terminal bonus.
- You will need to apply for the inflation protector option at the time you buy the plan. Otherwise, you cannot add it back later. The inflation protector option is only available to life insureds who are below the age of 59 at policy issue and for standard policies, which means the policies have no extra premium and exclusions. You will need to pay an additional premium throughout the premium payment period of the plan after each time you have exercised the inflation protector option. The additional premium will be based on the attained age of the life insured and the premium rate at the time the option is exercised (we may change the premium rate from time to time). With the inflation protector option, you will have your basic plan notional amount increased starting from the first policy anniversary. Please see the policy provision for the inflation protector option for exclusions, termination conditions and other details.
- We guarantee that the basic plan premiums for the initial basic plan notional amount will remain unchanged throughout the premium payment period. However, we do not guarantee the premium and guaranteed cash value due to an increase in the basic plan notional amount, including those increases triggered by using the inflation protector option.
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