All ages mentioned in this brochure are based on Age Last Birthday (ALB).

You will find the precise terms, conditions and exclusions of these plans in the respective policy contracts. This brochure is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial situation and particular needs. You should seek advice from a financial adviser and obtain the product summary to read before deciding whether the product suits you. A product summary may be obtained from Manulife or any POSB/DBS branch. If you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable (if any) may be less than the total premiums paid.
You may write to Manulife to cancel the policy within 14 days of receiving the policy document and obtain a full refund of the premium paid after deducting any expenses incurred in issuing the policy. If the policy is sent by post, it shall be deemed to have been delivered within 7 days after posting.