ManuDelight Annuity Plan 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. You’ll have the flexibility to move forward or postpone the start of your monthly income, as long as your policy has been paid up and before your income period starts. Your monthly income will then be re-calculated based on your new income start age, which can be anywhere from age 55 to 70.
2. You  can exercise the realization option within 30 days starting from the Realization Anniversary (that is, the earlier of 20th policy anniversary or the Earliest Income Start Age (see Remark 4), and every policy anniversary thereafter), up to 2 times on each policy as long as the aggregate realization percentage of the two exercises shall not exceed 50%. Exercise of the realization option will reduce any subsequent non-guaranteed benefits including the future terminal bonus and hence the non-guaranteed monthly income.
3. The guaranteed monthly income will be doubled starting from the next monthly income payout after the diagnosis of severe stroke, kidney failure or Parkinson’s disease (‘designated illnesses’). If the income period has not started, you can exercise the option to change the income start age up to the Earliest Income Start Age (see Remark 4). It is subject to the maximum total amount of US$5,000 or HK$40,000 per month of the same or similar benefits we will pay under all insurance policies covering the same life insured and issued by us. Please see the policy provision for the definition of the respective designated illnesses and the circumstances that we will/will not pay the benefit amount of Extra Income Protector. Upon the death of life insured or termination of the policy (whichever is earlier), the Extra Income Protector will be terminated. The Extra Income Protector can only be claimed once per policy.
4. Earliest Income Start Age for the policy is the age after the basic plan has been paid up or age 55, whichever is later.