Future Assure 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.

1. 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 rates of guaranteed cash payment(s) and realized terminal bonus’ paragraph in the ‘Important Information’ section below.
   
2. You can exercise the realization option within 31 days from the Realization Anniversary (that is, the 10th policy anniversary or every anniversary thereafter) as long as the aggregate realization percentage under the policy over any consecutive 15 policy years 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 Once submitted, the application for exercising such option cannot be withdrawn and no realized terminal bonus will be allowed to be reversed.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.
   
3. The Body and Mind Advance Benefit can be exercised 1 year after the later of the issue date or the policy year date. Exercising the Body and Mind Advance Benefit may significantly reduce any future terminal bonus. For the avoidance of doubt, the realized percentage of the terminal bonus under Body and Mind Advance Benefit will not count into the aggregate realization percentage under the realization option. Please see the ‘Body and Mind Advance Benefit Provision’ for the definition of the designated illnesses, and the terms and conditions for the Body and Mind Advance Benefit.
   
4. Starting from the first policy anniversary or 1 year after the policy is issued, whichever is later, you have an option to change the life insured to another person with whom you have insurable interest, without affecting your policy value, provided that:
   i. the age of the new life insured is 60 or below; or
   ii. the age of the new life insured is not greater than that of the current life insured and is not greater than 80; and
   iii. such application must be completed during the lifetime of both current life insured and new life insured.
   Acceptance of such application is subject to our approval at our absolute discretion as well as our prevailing administrative rules and guidelines which we may determine from time to time at our absolute discretion. Once the change of life insured is effective, all supplementary benefits (if any) shall be automatically terminated.
5. These are an administrative arrangement and are not part of the product features.