ManuCentury 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 Advisorfor 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 payments and realized terminal bonus’ paragraph under the ‘Important Information’ section in the product leaflet.
2. 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.
3. You can exercise the realization option within 30 days from the Realization Anniversary (that is, the 15th policy anniversary or every policy anniversary thereafter) as long as the aggregate realization percentage in any 15 consecutive 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 Once submitted, the application for exercising such option cannot be withdrawn and no realized terminal bonus will be allowed to be reversed. Exercise of the realization option will reduce any subsequent future terminal bonus. 
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 and term of guaranteed cash payments, provided that:
   
   i)  the actual age of the new life insured is age 60 or below; or the actual age of the new life insured is not greater than that of the current life insured, and age 75 or below; and 
   
   ii) such application must be completed during the lifetime of both the current life insured and the new life insured.
   
   Acceptance of such application is subject to our approval at our sole and absolute discretion as well as our prevailing rules and guidelines. Once the change of life insured is effective, all supplementary benefits (if any) will be automatically terminated. The time period as described under incontestability provision shall restart from the effective date of the change.