Signature Series

Heirloom (V)

Designed for the ones who truly appreciate the value of legacy

Enjoy high insurance cover with cash value accumulation with this USD universal life insurance plan

Key features:
Legacy Planning
Distribute your wealth according to your wishes
Estate Liquidity
Helps you to divide your estate equally
Portfolio Diversification
Spread out your investment
Business Continuity
Protect your most valuable employees
Loyalty Bonus
Loyalty bonus1 at 0.25% per year
Capped Premium Rates
Cost of insurance charges capped at 110% of current rates
Flexibility
Flexible premium payments2 and partial withdrawals3
Quit Smoking Incentive
Enjoy non-smoker premium rates when you quit smoking.4
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Footnotes
1. Starts from policy year 16 or after the policy anniversary where life insured turned age 70, whichever is later, and end immediately before the policy anniversary after the life insured’s 100th birthday.2. You may pay a premium of any amount at any time before age 100, within the maximum limits we set. If you have enough cash value in the policy, you may skip a premium payment or stop paying entirely. You may need to pay extra premiums if the actual interest we pay you is lower than shown, if you take a loan, if you make a withdrawal or the actual charges are higher. The actual amount and frequency of premium payments will affect the policy value and potentially the death benefit as well as how long the policy is kept in force.3. On the condition that the withdrawals made from 11th policy anniversary onwards and the total withdrawal amount in a particular policy year does not exceed 5% of the policy value at the previous anniversary after monthly deductions.4. Applicable to standard or preferred smoker, without any additional ratings. You will need to pass a urine test to be able to qualify for standard non-smoker rates.
Important notes
Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be less than the total premiums paid.This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract.We recommend that you seek advice from a Manulife Financial Consultant before making a commitment to purchase a policy.
Information is correct at the time of publishing.
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