Future Assure

Key Highlights

• For a single premium with US$1 million or above, you are assured your policy will have a guaranteed cash value that starts as high as 85% of the premium paid, which gradually increases the longer you hold the policy.
• Enjoy total guaranteed cash payment(s) up to 50% of the notional amount, based on the premium payment period you select
• Potentially accelerate your long-term savings with terminal bonus (non-guaranteed)
• Get extra liquidity with recurring realization of non-guaranteed terminal bonus
• Access standby funds through Body and Mind Advance Benefit
• Prepare for the unexpected with Incapacity Care Service*
• Pass on your wealth with flexibility*

Please see the product leaflet for details

* This is an administrative arrangement and is not part of the product features. Such application is subject to Manulife’s prevailing administrative rules which shall be determined and modified by Manulife from time to time without prior notice.

How to Apply

• Call our customer service hotline 2290 8888 for enquiry or visit any of our branches
• Call to enquire the Manulife Customer Service Hotline at 2510 3383

Important Notes:

1. 1. The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.
      • Future Assure is a long-term participating life-insurance plan with a savings element. Part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value which includes guaranteed cash value, non-guaranteed terminal bonus and any accumulated guaranteed cash payment(s) and accumulated realized terminal bonus. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold this product for the long term to achieve the savings target.
      • Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect Manulife’s ability to meet the ongoing obligations under the insurance policy.
      • Risk from cashing in (surrender) early - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the surrender value Manulife projects.
      • Please refer to the product leaflet for details of product risks.
   2. The Bank, being registered with the Insurance Authority as a licensed insurance agency, is appointed as an insurance agency of Manulife for the distribution of life insurance products in the Hong Kong Special Administrative Region.
   3. The Bank distributes the product for Manulife and the product is a product of Manulife but not the Bank.
   4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.
   5. This webpage is only a reference. You should not base solely on this website to make decision on applying for the product. The risks disclosed above are not exhaustive and you should refer to the product leaflet, proposal and policy provision for the risk disclosures and exact terms and conditions of Future Assure, and if in doubt, seek independent professional advice.
   6. This webpage is only for use in Hong Kong Special Administrative Region.