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Build. Protect. Grow. Shape your fnancial future with Manulife UL LIFE INSURANCE PROTECTION AND TAX-ADVANTAGED INVESTING IN A SINGLE, CONVENIENT SOLUTION UNIVERSAL LIFE INSURANCE

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Page 1: Build. Protect. Grow. Shape your fnancial future with ... · Life insurance protection and tax-advantaged investing in a singLe, convenient soLution ... future you’re building for

Build. Protect. Grow. Shape your fnancial future with Manulife UL

Life insurance protection and tax-advantaged investing in a singLe, convenient soLution

UNIVERSAL LIFE INSURANCE

Page 2: Build. Protect. Grow. Shape your fnancial future with ... · Life insurance protection and tax-advantaged investing in a singLe, convenient soLution ... future you’re building for

of these famiLies

26% are insured

50% are not but may not insured

have enough

Life is constantly evolving. But throughout all of life’s stages, one thing remains the same – the need to plan ahead – to build wealth and protect the bright financial future you’re building for yourself and your loved ones.

Life insurance is one of the most straightforward ways to protect what’s important, but before making

a purchase decision, ask yourself:

• Are your family’s fnances protected in case of an early death of a primary income earner?

• Do you have outstanding debt? Who is responsible for that debt if you die?

• Would you like to leave a tax-free inheritance to your loved ones or to a charity when you die?

Whatever your life stage, consider adding manulife uL universal life insurance coverage to your

fnancial plan. ask your advisor how it can help you protect your loved ones and enhance the

fnancial legacy you leave behind.

How well are you insured?

nearLy 1 in 2 canadian househoLds have unmet Life insurance needs

Many simply don’t have enough

life insurance – or have no insurance

protection at all.

2 icanadian

n 3 famiLies

aren’t sure they could meet their

immediate living expenses if the primary

wage earner in their family died.

45% of canadians

say they don’t have enough

life insurance

Why not?

Your advisor can help you

determine what is right for you

and your situation

MIND THE GAP

YEARS 2

How much coverage is enough? Even for Canadians who do have life insurance,

there’s about a 2-year gap between:

6 the number of years they want their income replaced when they die

vs. the number of years their existing insurance would actually cover

3.9 LIMRA, Canadian Life Insurance Ownership Household Trends, Series 2 of 4, 2013. The 2013 Canadian Ownership Study was weighted to bring the sample as close as possible to Statistics Canada population figures to ensure the sample was representative of the Canadian household population.

Page 3: Build. Protect. Grow. Shape your fnancial future with ... · Life insurance protection and tax-advantaged investing in a singLe, convenient soLution ... future you’re building for

Life insurance

Universal life insurance

offers long-term (permanent)

insurance protection

Ensures your loved ones receive

a lump-sum, tax-free death

beneft after you die

investment accounts

Grow your investments on a tax-deferred basis

Create account value that you may be able to access1

if a need arises Can help preserve the value

of your estate for those you care about Build your wealth and the legacy

your loved ones receive after you die – tax free

A portion of your deposit covers the cost of insurance

and any investment

Less deposit fee management fees Insurance protection

Your deposit Your deposit, typically monthly, and minus a Deposit into the deposit fee goes into

your investment account(s) investment account(s) you choose

Account value Your investment(s) earn

a return (positive or negative) based on their performance

Cost of insurance

and fees

Universal life insurance a singLe, duaL-purpose soLution for your financiaL pLan When it comes to fnancial planning, we know setting goals, including putting a life insurance plan in place is

the right thing to do for our loved ones. But we often underestimate the need for insurance coverage, or struggle

when it’s time to make the decision.

There’s a way to simplify your fnancial planning through one, convenient insurance solution designed to meet both

your life insurance and investing needs. It’s called universal life insurance – a blend of two key fnancial planning

elements in a single, straightforward policy:

Long-term insurance

protection for your

loved ones

tax-advantaged investing

to help enhance the fnancial

legacy you leave behind pLus 1 2

A simpler way to achieve two important goals The insurance protection and investment components of universal life work together to meet a variety of

fnancial planning needs:

1May be subject to taxation.

It works hard, but simply The purpose of a universal life insurance policy is two-fold. It provides long-term insurance protection to

protect the legacy you’re building for those you care about. It also gives you the opportunity to invest and

build additional wealth over time, within the same policy.

The life insurance protection and the investments held inside a universal life policy can be paid to your

benefciary, tax free when you die, leaving a larger fnancial legacy than what might otherwise be possible.

While that’s a lot to accomplish, don’t mistake hard work for complexity. The way universal life insurance

works is quite simple.

Illustration shows how universal life insurance works when payments in excess of the cost of insurance are made.

making your poLicy Work for you Whether or not you want to take advantage of the investment component of your universal

life insurance policy or simply want the insurance protection, you always have the option to

beneft from this unique universal life investment feature – it’s your choice.

It’s just another way a universal life insurance policy can provide fnancial opportunities

based on your personal needs.

Page 4: Build. Protect. Grow. Shape your fnancial future with ... · Life insurance protection and tax-advantaged investing in a singLe, convenient soLution ... future you’re building for

125+ years of history

Serving

$25 million+ 1 in 5 With Manulife,

in charitable Canadians2

donations (2014) you can feel

conÿdent that

your trust is

well placed

28,600+ $37.9 billion employees market

worldwide2 C$635 capitalization1

billion in funds under

management2

The Manulife UL advantage simpLe, cost-effective, convenient. If you’re looking for a straightforward, long-term, cost-effective life insurance solution, Manulife UL may be

the right choice for you.

Choose from a variety of simple and affordable plan options to help meet yourinsurance and investing needs.

manage your money the Way you Want

Choose your investment accounts based on your investment style and the amount of risk you’re comfortable with.

hands-on investor? hands-off investor?

Choose, review and manage your own investments.

You’ll have more than 50 best-in-class investment

account options to choose from.

Let Manulife manage your investments using a single

investment account designed to help decrease the

impact of market ups and downs.

No matter which investment approach you choose, investments inside your Manulife UL policy can

grow – tax deferred, helping to build wealth for you and your loved ones.

choose the best fit for your needs From how you want to invest, to how you pay for your insurance, to how much or little you want to invest, Manulife UL

offers a range of solutions to help meet your unique fnancial planning needs.

Plus, you have the option to add extra protection for your family with Children’s Protection Rider coverage if you

so choose.

ready to get started With manuLife uL? Your advisor can help prepare a detailed evaluation of your insurance and investment needs and tell you more about

the unique features and benefts of a Manulife UL insurance policy.

Discover how you can shape your financialfuture with Manulife UL.

Put your trust in Manulife

Manulife is a leading Canada-based fnancial services company with principal

operations in Canada, Asia, and the United States. Since welcoming our frst

customers in 1887, we have built a signifcant global presence by providing our

customers with strong, reliable, trustworthy and forward-thinking solutions for

their most signifcant fnancial decisions.

1As at January 31, 2014. 2As at March 31, 2014.

Page 5: Build. Protect. Grow. Shape your fnancial future with ... · Life insurance protection and tax-advantaged investing in a singLe, convenient soLution ... future you’re building for

for more information, pLease contact your advisor or visit manuLife.ca/uL today

Manulife UL is sold by Manulife (The Manufacturers Life Insurance Company). Manulife, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

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