Life is more blissful, when your mind is at ease

mEase

mEase Plan

Finding solace with ease,

in every way possible In today’s hectic world, we look for ways to set our mind at ease with whatever means possible. Some people opt for healthy activities such as yoga and Pilates while for others, it’s herbal tea and health food. But one thing is clear, with peace of mind, you can take on the challenges of life with more confidence.

As such, it becomes equally important for us to take concrete steps to make sure life does not go out of gear should we find ourselves struck with a severe illness. In fact, it is only through proper planning that we can make sure our way of life is protected when things do not go exactly as anticipated.

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Benefits at a Glance:

Covers 30 Critical Illnesses (CI), Total and Permanent Disability (TPD) and loss of life. Flexibility of coverage is based on your needs.

Option to convert to regular premium whole life, endowment or investment-linked policy, providing similar cover, from Manulife (Singapore) without evidence of health.

Waiver of subsequent premiums upon TPD/CI claim with rider(s) attached. Life coverage continues.

Critical coverage that everyone needs A comprehensive plan that provides coverage against 30 critical illnesses, mEase is designed to protect your lifestyle and income. This will help your family tide over a period of income loss, especially important if you are the sole breadwinner. Should the need arise, you can also use the proceeds from the plan to seek treatment.

The plan covers death and critical illnesses until age 75 while also offering protection against Total and Permanent Disability (TPD) until age 65.

mEase pays out the sum insured in one lump sum1 upon the diagnosis of any of 29 covered critical illnesses. For Angioplasty & other Invasive Treatment for Coronary Artery, 10% of the sum insured will be advanced.

In addition, mEase advances the sum insured in the event of TPD. In the unfortunate event of death, a Compassionate Death Benefit of $10,000 will be payable.

mEase can also be bundled with the mEase Life Rider for a more comprehensive protection of your lifestyle. With mEase Life Rider, an additional sum covering death will be paid on top of the Compassionate Death Benefit. mEase Life Rider also waives subsequent premiums2 under mEase if the insured suffers TPD or is diagnosed with any of the 29 covered critical illnesses3. Hence the insured is able to concentrate on recovery, knowing that premium payments are already taken care of while continuing with the life coverage.

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List of 30 Covered Critical Illnesses

mEase Plan

1. Major Cancers 11. Deafness (Loss of Hearing) 21. Alzheimer’s Disease/ Severe Dementia

2. Heart Attack 12. Heart Valve Surgery 22. Fulminant Hepatitis

3. Stroke 13. Loss of Speech 23. Motor Neurone Disease

4. Coronary Artery Bypass Surgery 14. Major Burns 24. Primary Pulmonary

Hypertension

5. Kidney Failure 15. Major Organ/Bone Marrow Transplantation

25. HIV due to Blood Transfusion & Occupational Acquired HIV

6. Aplastic Anaemia 16. Multiple Sclerosis 26. Benign Brain Tumour

7. Blindness (Loss of Sight) 17. Muscular Dystrophy 27. Bacterial Meningitis

8. End Stage Lung Disease 18. Encephalitis 28. Major Head Trauma

9. End Stage Liver Failure 19. Parkinson’s Disease29. Systemic Lupus Erythematosus with Lupus Nephritis

10. Coma 20. Surgery to Aorta30. Angioplasty & other Invasive Treatment for Coronary Artery5

1 Sum insured in one lump sum is payable if the insured survives for a period of 28 days from the date of diagnosis while the policy is in force.

2 Waiver of premiums is subjected to terms and conditions such as waiting period, exclusions and limits of compensation.

3 Waiver for mEase Life Rider does not apply if the insured is diagnosed with Angioplasty & other Invasive Treatment for Coronary Treatment.

4 Premium rates are not guaranteed. Manulife (Singapore) reserves the right to change the premium rates by giving 30 days notice.

5 For Angioplasty & other Invasive Treatment for Coronary Artery, 10% of the Sum Insured will be advanced. This Benefit is payable only once, subject to a maximum amount of $25,000 per life, for all policies issued by the Company. After such a Claim, only the balance Sum Insured of this Policy remains in-force.

What’s more, the premiums you pay are levelled at entry age.4 You will hence enjoy a lower premium when you purchase this plan at an earlier age.

6 The 30 critical illnesses covered by the Critical Care Payor Benefit Rider are the same as mEase except for Angioplasty & other Invasive Treatment for Coronary Artery which is replaced by paralysis (loss of limbs).

Ease into better protection with Optional RidersmEase also comes with optional Payor Benefit Riders that waive subsequent premiums2 should the Payor die or suffer from TPD, or is diagnosed with any of 30 covered critical illnesses6.

These riders will help lighten the financial burden of your loved ones if the unfortunate happens. With these waivers, the insured can continue to enjoy the benefits of mEase without worrying about premium payments.

06mEase Plan

Payor Benefit Riders

Optional Rider Supplementary Benefit(s)

Payor Benefit Rider

If the Payor dies or suffers from TPD, subsequent premiums under the Policy will be waived until the policy anniversary after the insured’s 25th birthday7; or Payor’s 65th birthday; or the expiry of this Payor Benefit Rider, whichever is earlier.t-linked policy^.

Critical Care Payor Benefit Rider6

If the Payor dies or suffers from TPD or is diagnosed with any of the 30 covered Critical Illnesses, subsequent premiums under the Policy will be waived until the policy anniversary after the insured’s 25th birthday7; or Payor’s 65th birthday; or the expiry of this Critical Care Payor Benefit Rider, whichever is earlier.

7 This will apply if the insured is a juvenile at the Policy Effective Date.

Conversion without further proof of healthWhile in-force and before the Policy Anniversary immediately following the 65th birthday of the insured, mEase and the mEase Life Rider (if attached) may be converted without further evidence of health, to regular premium whole life, endowment or investment-linked policy, providing similar cover, from Manulife (Singapore), subjected to the following terms and conditions:

a.The total coverage of the converted plan cannot exceed the total coverage of mEase and mEase Life Rider, if attached.

b.The insured will have to undergo medical underwriting if the converted plan covers events other than death and critical illnesses.

c.The premium rates on the converted plan will be based on the attained age of the insured at the date of conversion.

d.The converted plan will be issued at the same terms (ie,. standard or sub-standard terms) as mEase and mEase Life Rider, if attached.

e.The coverage on mEase and mEase Life Rider, if attached, will cease once the converted plan (full conversion of mEase and mEase Life Rider) is in force.

f.This conversion privilege will not be applicable if either critical illness or TPD has been claimed.

g.Partial conversion of mEase and mEase Life Rider are allowed subject to the minimum sum insured of the converted plan.

08mEase Plan

Designed to bring you complete peace of mind, mEase, together with the mEase Life Rider, ensure that when the unexpected happens, you are able to protect your lifestyle or if needed, be equipped financially to focus on your recovery. Speak with your Manulife Financial Planner or call 6833 8188 today to learn how mEase and the mEase Life Rider can empower you with the peace of mind to pursue whatever dreams you have, to their fullest.

Important Notes and DisclaimerThis promotional material is not a contract of insurance and is not intended as an offer or recommendation to the purchase of the plan. The specific details applicable to this insurance plan are set out in the policy contract. This promotional material is for general information only and does not have regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase the plan. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this plan is suitable for you.

Replacing a policy with a new one does not usually result in any advantage to the policyholder. The disadvantages are: you may pay higher premiums due to higher age or not be offered insurance coverage on standard terms.

The product investment risk of this plan is classified as “not applicable”.

In case of discrepancy between the English and Chinese versions, the English version shall prevail.

About

Manulife FinancialManulife (Singapore) Pte Ltd is a subsidiary of Manulife Financial Corporation.

Manulife Financial is a leading Canadian-based financial services group operating in

22 countries and territories worldwide. For more than 120 years, clients have looked

to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their

most significant financial decisions. Our international network of employees, financial

planners and distribution partners offers financial protection and wealth management

products and services to millions of clients. We provide asset management services

to institutional customers worldwide as well as reinsurance solutions, specialising in

life and property and casualty retrocession.

Our strong and stable capital levels enables us to sustain high credit ratings,

finance new opportunities and most importantly, maintain our commitment to our

policyholders.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and

under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at

www.manulife.com

Manulife (Singapore) Pte. Ltd. Reg. No. 198002116D

A Manulife Financial company.Tel: 6737 1221 Fax: 6737 8488 Website: www.manulife.com.sg

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.

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