2
精明储蓄计划 精明储蓄计划每年让您灵活提取现金固本,既可作 长期储蓄,又可即时享受生活。在保单第二周年后, 您每年皆可享有投保额5%的保证现金固本,尽享资 金周转的便利。您可一面储蓄、筹划未来所需,又 可一面因个人需要, 灵活提款使用,以备不时之需。此 外,您还能选择用它来抵销将来的保费,或索性让它 自行累积,赚取年利率3.5% 1 的利息。保单期满时, 您将能获得最后一笔保证现金固本,全数保证现金 固本总额可高达120%,而且还外加额外红利 2 。精明 储蓄计划不只为您的积蓄带来丰厚的回报,还提供 死亡、绝症与终身或永久残障的保障。此外,您也能 灵活地选择保单期限、从13年至25年。您还能选择 5年内付清保费。 精明储蓄计划为您的将来精打细算。 以下例子是以29岁的男性,非吸烟者,其投保额$50,000, 长达21年的期限计算。 年期 现金固本百分率 每年保证现金固本 (S$) 2年底至第20每年5% 2,500 2125% 12,500 120% 总现金固本 60,000 总期满数额加预估红利 2 (包括现金固本累积及利息 1 ) 127,109 总保费 89,972 Smart Saver Enjoy cash liquidity with yearly guaranteed Cash Coupons equivalent to 5% of the sum insured from the second policy anniversary. While saving, you get to enjoy ready cash to spend as you wish or keep for emergencies. Alternatively, you may use the cash to offset future premiums or simply let it accumulate at an interest of 3.5% 1 per annum for higher returns. Upon maturity, you will receive a final guaranteed Cash Coupon, making a total of up to 120% of the basic sum insured plus a projected maturity bonus 2 . Smart Saver also provides valuable insurance protection for loss of life, terminal illness and total and permanent disability. You also have a choice of saving terms ranging from 13 - 25 years, with the option to limit your entire payment term to just 5 years. Here’s how Smart Saver full-pay term can work for you. The illustration is based on a male, non-smoker, age 29 with a sum insured of $50,000 for a 21-year full-pay term. End of Year Cash Coupons (% of sum insured) Guaranteed Yearly Cash Coupon (S$) 2 nd to 20 th 5% every year 2,500 21 25% 12,500 Total 120% Guaranteed Cash Coupon 60,000 Total Maturity Value with Projected Bonuses 2 (inclusive of accumulated Cash Coupon with interest 1 ) 127,109 Total Premiums Paid 89,972

Endowment plans (english)

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Page 1: Endowment plans (english)

精明储蓄计划精明储蓄计划每年让您灵活提取现金固本,既可作

长期储蓄,又可即时享受生活。在保单第二周年后,

您每年皆可享有投保额5%的保证现金固本,尽享资

金周转的便利。您可一面储蓄、筹划未来所需,又

可一面因个人需要, 灵活提款使用,以备不时之需。此

外,您还能选择用它来抵销将来的保费,或索性让它

自行累积,赚取年利率3.5%1的利息。保单期满时,

您将能获得最后一笔保证现金固本,全数保证现金

固本总额可高达120%,而且还外加额外红利2。精明

储蓄计划不只为您的积蓄带来丰厚的回报,还提供

死亡、绝症与终身或永久残障的保障。此外,您也能

灵活地选择保单期限、从13年至25年。您还能选择

在5年内付清保费。

精明储蓄计划为您的将来精打细算。

以下例子是以29岁的男性,非吸烟者,其投保额$50,000,

长达21年的期限计算。

年期 现金固本百分率每年保证现金固本

(S$)

第2年底至第20年 每年5% 2,500

第21年 25% 12,500

120% 总现金固本 60,000

总期满数额加预估红利2

(包括现金固本累积及利息1)127,109

总保费 89,972

Smart SaverEnjoy cash liquidity with yearly guaranteed Cash Coupons equivalent to 5% of the sum insured from the second policy anniversary. While saving, you get to enjoy ready cash to spend as you wish or keep for emergencies. Alternatively, you may use the cash to offset future premiums or simply let it accumulate at an interest of 3.5%1 per annum for higher returns. Upon maturity, you will receive a final guaranteed Cash Coupon, making a total of up to 120% of the basic sum insured plus a projected maturity bonus2. Smart Saver also provides valuable insurance protection for loss of life, terminal illness and total and permanent disability. You also have a choice of saving terms ranging from 13 - 25 years, with the option to limit your entire payment term to just 5 years.

Here’s how Smart Saver full-pay term can work for you. The illustration is based on a male, non-smoker, age 29 with a sum insured of $50,000 for a 21-year full-pay term.

End of YearCash Coupons

(% of sum insured)Guaranteed Yearly Cash Coupon (S$)

2nd to 20th 5% every year 2,500

21 25% 12,500

Total 120% Guaranteed Cash Coupon 60,000

Total Maturity Value with Projected Bonuses2

(inclusive of accumulated Cash Coupon with interest1) 127,109

Total Premiums Paid 89,972

Page 2: Endowment plans (english)

Manulife Financial and the block design are registered service marks andtrademarks of The Manufacturers Life Insurance Company and are used by itand its affiliates, including Manulife Financial Corporation.

Manulife Financial and the block design are registered service marks andtrademarks of The Manufacturers Life Insurance Company and are used by itand its affiliates, including Manulife Financial Corporation.