Your needs

Life is full of changes and surprises. We are here to give you the best financial planning solutions to fulfill your needs at different stages of your life.

Starting your career

Getting married

Having a baby

Preparing for children’s education

Changing job

Buying a home, repairing house

Planning for retirement

Regular premium unit-linked product

REASONS WHY YOU SHOULD CHOOSE RPUL TO BE A GOOD COMPANION IN YOUR FINANCIAL PLAN

Insurance - Fundamental for Peace of Mind

Comprehensive protection to the age of 99

Flexibility
- Premium payment suspension with benefits assured
- Sum assured can increase

Investment – Fundamental for Prosperity

Various funds allow minimizing of risks, which is difficult in direct investments.

Flexibility of allocating premiums among the three funds available with different benefits and risks

High liquidity enables you to buy and sell any fund units at anytime

BENEFITS OF RPUL

Interest: You receive higher interest that that of banks over long term but risks is unavoidable when the investment market is down.

Risk reduction: You will keep your fund units instead of cash and these unit values tend to increase in long term according to the general economic growth, protecting you against inflation impact.

Investment accelaration: You can pay additional premium to increase your investment for higher investment return in the long run while enjoying the flexible option of cash withdrawal like a bank account to meet with your expenses.

Flexibility between insurance and investment: you can choose the sum assured for insurance option and investment funds for investment option.

Other benefits include:

Partial withdrawal: You can partially withdraw cash when you are in need of money for urgent requirements or scheduled financial obligations.

Grace period: You have a grace period of 60 days following the due date of regular premium in the 1st policy year. From the 2nd policy year onwards, the policy will lapse whenever the account value is insufficient to pay for the due policy.

Premium holiday: You can apply to suspend your premium payments at anytime from the 2nd policy year onwards and enjoy the flexibility of premium payment without disruption of your life protection, providing that the account value is sufficient enough to pay for all the fees of the policy at this time.

Persistency Bonus: You will get the opportunity to receive 360% basic premiums (paid in the 1st year) on the 15th policy anniversary if only if all of the following conditions are satisfied:
- Premiums are regularly paid in full;
- Policy has never been lapsed;
- Premium holiday is never exercised;
- The sum of all fund redemptions has not exceeded the sum of all top-up premiums paid at anytime on or before the 15th policy anniversary;
- No face amount reduction has been made before bonus payment.

RPUL’S STRUCTURE

Fund choice
According to your own investment plan, you have the flexibility of allocating premiums among the three funds available - Aggressive Fund, Growth Fund and Balanced Fund- at a minimum allocation of 20% of premium in one fund.

Aggressive Fund
High risks – High Returns
Manulife Aggressive Portfolio is a unitized fund aiming to provide long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept significant fluctuations in the value of their investments in order to achieve long term returns.
- Long term capital investment
- Accepting significant fluctuation
- Investing around 70% to 100 % into equity of companies operating in Vietnam.
- Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.

Growth Fund
Considerable risks and profits Manulife Growth Portfolio is a unitized fund aimed to provide investors medium to long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept considerable fluctuations in the value of their investments in order to achieve long term
returns.
- Medium & Long term capital investment.
- Accepting considerable fluctuation.
- Investing around 50% to 80% into equity of companies operating in Vietnam.
- Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.

Balanced Fund
Low risks and limited returns Manulife Balanced Portfolio is a unitized fund aimed to provide investors with medium to long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept fluctuations in the value of their investments in order to achieve long term
returns.
- Medium & Long term capital investment
- Accepting fluctuation
- Invest around 40% to 60% into equity of companies operating in Vietnam
- Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.

Fund switching
Minimum amount per switch is VND 2,000,000 or total fund value, whichever is lower.
Minimum of VND 2,000,000 unit value remaining for each fund. If the remaining unit value in a fund is less than the minimum required, then it must be fully switched to other funds. (Please refer to Part 5 – Fund switching fee).

Valuation of fund value
The Company will determine the value of the fund's net assets on valuation date. The valuation period follows The Company’s regulations, yet no less than one time/week. Fund's asset linked unit will be subdivided into equal portions called fund units

Bid price of fund unit = Total net assets of the fund
--------------------------------------------

Total fund units issued on valuation date

Offer price of fund unit = Bid price of fund unit
-----------------------------------

(1 – Bid-Offer spread)

CHARGE STRUCTURE

The Company may change the fee structure at any time, but the cost does not exceed the guaranteed maximum. At least 3 months before the application of fee schedule changes, the company must notify the client in writing and agreed with the insurance

Policy fee
Initial Fee: Initial fee will be deducted from the basic premium periodically. The remainder will be used to purchase fund units
- Year I: 90% periodic basic premium
- Year II: 60% periodic basic premium
- Year III: 30% periodic basic premium
- Year IV onwards: 0%
- For additional fees: 0%

Risk premiums:
- Free in the first year of policy
- Vary according to gender, age and health conditions.
- To be deducted in the anniversary month of the policy

Policy premium: VND 25,000 per month, to be deducted from the investment account at the purchase price.

Fund management fee Fund management fee annually: 2% on net asset value of the Fund, to be collected on the evaluation of the fund units

Fee for fund switching
- Free for the first two fund switches
- Following switching’s fee is fixed at VND 50,000 by "selling" the switched fund units

The spread between purchase and selling price is 5%

GENERAL INFORMATION ABOUT MAXX – PHUC LOC THINH VUONG

Minimum sum insured: VND 35,000,000

Age of entry: between 18 and 65 years old

Benefit period: on the anniversary date on which the insured attains age 99 or until death of insured.

Premium payment period: on the anniversary date on which the insured attains age 99 or until death of insured

Free-look period: In case the policy owners are not satisfied with the terms and conditions of the policy, they can cancel the insurance policy if he/she sends the request in writing to The Company within 21 (twenty one) days from the date of issuance of the insurance policy. In this case, The Company will refund the premiums paid plus the account value of the investment after the date of cancellation. This means that the refund amount can be higher or lower than the amount the policy owners have paid.

Basic premiums: the amount of money you pay annually, which acts as a base to calculate customers’ benefits. After deducting policy expenses, the remaining amount is deposited into your selected funds.

Additional premium: the premiums you invest excluding the periodic premium to increase the investment amount or the benefits.

Death benefit: when the policy is still in effect, death benefits are the face amount and the cash return.

Maturity benefit: The cash return defined on the anniversary date after the life insured is at the age of 99 and terminates the policy.

Policy cancellation: you can directly send request in writing and receive the investment value

ENHANCING MAIN POLICY BENEFITS WITH EXTRA OPTIONS

In addition, you can apply for our riders to give you and your family a comprehensive protection against unexpected events in life.

Riders
Benefits

Accidental dismemberment benefits

Provide benefits in case of death, partial? disability (depending on the degree of the disability) or total disability
Benefit can be up to 4 times the face amount of the basic policy.

Death benefits
Provide benefits in case of death with maximum sum assured which can be up to 5 times the face amount of the basic policy.

Medicash
Prodvide medicash benefit everyday in case the insured has to stay in hospital as a result of the accident/ sickness

REASON WHY YOU SHOULD CHOOSE MANULIFE VIETNAM TO INVEST AND MANAGE YOUR ASSETS

World-leading large-scale:

Your assets are managed by Manulife Asset Management (Vietnam) Company Limited ("ManulifeAM (Vietnam)") is an affiliate of Manulife Asset Management, one of the leading fund management companies in the world with 100 years of experience in managing investment funds in Asia.

The world local asset management company

Our competitive advantage is the combination of world-class global expertise and insights into the local market.

Your funds are professionally and prudently managed as the assets of the Group

As of March 31, 2010, MAV is managing total assets of investments worth over USD 302 billion worldwide, of which USD $ 113 billion comes from the assets of investors. In Vietnam, as of March 31, 2010, we are managing total assets of USD 278 million.

* For more information about Asset Management (Vietnam) Company Limited, please visit www.manulifefunds.com.vn

USEFUL TIPS ABOUT MAXX PHUC LOC THINH VUONG

RPUL- Maxx - Phuc Loc Thinh Vuong is designed for people whose needs are insurance, stable income and have long-term investment plans from 10 to 20 years. It is not suitable for short-term investment trends.

The insurance policy is a long-term commitment, so customers should not cancel the contract after a short time

Financial investment absolutely involves risks. The value of the investment fund may increase or decrease. Effective investment in the past does not guarantee similar results in the future. Actual investment results are not guaranteed. Customers may receive all profits and all losses resulting from risks in these investments. The name of the investment fund is just an illustration of its target, therefore cannot guarantee the success. The premiums of the policy and fees related to investment funds may change within the guaranteed maximum limit prescribed in the policy.

This document is only an illustration and not a contract. For detailed information about the terms and conditions, exemptions of additional benefits or interest calculation table, please contact our Manulife agents.

METHODS TO PROTECT AND INCREASE INSURANCE BENEFITS:

The Company is allowed to apply the following measures to protect and increase insurance benefits:
a. Close a Fund unit to switch the assets into new fund units with similar investment objectives
b. Change the name of the fund units
c. Split or merging current fund units
d. Stop pricing linked fund units and transactions to the insurance policy in case the securities trading centers and / or securities transaction offices into which the fund units are temporarily terminated from operating.
e. Other measures required by the authorized offices in accordance with the law.

* For methods (a), (b), (c), (e), the Company will notify the policy owner in writing three days before applying.

References

Bao cao thuong nien 2012

Fast link

Unit price

Manulife provides sound advice, sound decisions. For more information about Manulife products or services, Contact Us

	Interest: You receive higher interest that that of banks over long term but risks is unavoidable when the investment market is down.
	Risk reduction: You will keep your fund units instead of cash and these unit values tend to increase in long term according to the general economic growth, protecting you against inflation impact.
	Investment accelaration: You can pay additional premium to increase your investment for higher investment return in the long run while enjoying the flexible option of cash withdrawal like a bank account to meet with your expenses.
	Flexibility between insurance and investment: you can choose the sum assured for insurance option and investment funds for investment option.
Other benefits include:
	Partial withdrawal: You can partially withdraw cash when you are in need of money for urgent requirements or scheduled financial obligations.
	Grace period: You have a grace period of 60 days following the due date of regular premium in the 1st policy year. From the 2nd policy year onwards, the policy will lapse whenever the account value is insufficient to pay for the due policy.
	Premium holiday: You can apply to suspend your premium payments at anytime from the 2nd policy year onwards and enjoy the flexibility of premium payment without disruption of your life protection, providing that the account value is sufficient enough to pay for all the fees of the policy at this time.
	Persistency Bonus: You will get the opportunity to receive 360% basic premiums (paid in the 1st year) on the 15th policy anniversary if only if all of the following conditions are satisfied: - Premiums are regularly paid in full; - Policy has never been lapsed; - Premium holiday is never exercised; - The sum of all fund redemptions has not exceeded the sum of all top-up premiums paid at anytime on or before the 15th policy anniversary; - No face amount reduction has been made before bonus payment.

	Minimum sum insured: VND 35,000,000
	Age of entry: between 18 and 65 years old
	Benefit period: on the anniversary date on which the insured attains age 99 or until death of insured.
	Premium payment period: on the anniversary date on which the insured attains age 99 or until death of insured
	Free-look period: In case the policy owners are not satisfied with the terms and conditions of the policy, they can cancel the insurance policy if he/she sends the request in writing to The Company within 21 (twenty one) days from the date of issuance of the insurance policy. In this case, The Company will refund the premiums paid plus the account value of the investment after the date of cancellation. This means that the refund amount can be higher or lower than the amount the policy owners have paid.
	Basic premiums: the amount of money you pay annually, which acts as a base to calculate customers’ benefits. After deducting policy expenses, the remaining amount is deposited into your selected funds.
	Additional premium: the premiums you invest excluding the periodic premium to increase the investment amount or the benefits.
	Death benefit: when the policy is still in effect, death benefits are the face amount and the cash return.
	Maturity benefit: The cash return defined on the anniversary date after the life insured is at the age of 99 and terminates the policy.
	Policy cancellation: you can directly send request in writing and receive the investment value

	RPUL- Maxx - Phuc Loc Thinh Vuong is designed for people whose needs are insurance, stable income and have long-term investment plans from 10 to 20 years. It is not suitable for short-term investment trends.
	The insurance policy is a long-term commitment, so customers should not cancel the contract after a short time
	Financial investment absolutely involves risks. The value of the investment fund may increase or decrease. Effective investment in the past does not guarantee similar results in the future. Actual investment results are not guaranteed. Customers may receive all profits and all losses resulting from risks in these investments. The name of the investment fund is just an illustration of its target, therefore cannot guarantee the success. The premiums of the policy and fees related to investment funds may change within the guaranteed maximum limit prescribed in the policy.
	This document is only an illustration and not a contract. For detailed information about the terms and conditions, exemptions of additional benefits or interest calculation table, please contact our Manulife agents.

	Comprehensive protection to the age of 99
	Flexibility - Premium payment suspension with benefits assured - Sum assured can increase

	Various funds allow minimizing of risks, which is difficult in direct investments.
	Flexibility of allocating premiums among the three funds available with different benefits and risks
	High liquidity enables you to buy and sell any fund units at anytime

Aggressive Fund High risks – High Returns	Manulife Aggressive Portfolio is a unitized fund aiming to provide long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept significant fluctuations in the value of their investments in order to achieve long term returns. - Long term capital investment - Accepting significant fluctuation - Investing around 70% to 100 % into equity of companies operating in Vietnam. - Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.
Growth Fund Considerable risks and profits	Manulife Growth Portfolio is a unitized fund aimed to provide investors medium to long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept considerable fluctuations in the value of their investments in order to achieve long term returns. - Medium & Long term capital investment. - Accepting considerable fluctuation. - Investing around 50% to 80% into equity of companies operating in Vietnam. - Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.
Balanced Fund Low risks and limited returns	Manulife Balanced Portfolio is a unitized fund aimed to provide investors with medium to long term capital growth. It is designed for those who hold a long term investment view and who are prepared to accept fluctuations in the value of their investments in order to achieve long term returns. - Medium & Long term capital investment - Accepting fluctuation - Invest around 40% to 60% into equity of companies operating in Vietnam - Remaining asset to be invested directly or indirectly into bond, term deposit and other investments.

Bid price of fund unit =	Total net assets of the fund --------------------------------------------
Bid price of fund unit =	Total fund units issued on valuation date

Offer price of fund unit =	Bid price of fund unit -----------------------------------
Offer price of fund unit =	(1 – Bid-Offer spread)

Riders	Benefits
Accidental dismemberment benefits	Provide benefits in case of death, partial? disability (depending on the degree of the disability) or total disability Benefit can be up to 4 times the face amount of the basic policy.
Death benefits	Provide benefits in case of death with maximum sum assured which can be up to 5 times the face amount of the basic policy.
Medicash	Prodvide medicash benefit everyday in case the insured has to stay in hospital as a result of the accident/ sickness

	World-leading large-scale: Your assets are managed by Manulife Asset Management (Vietnam) Company Limited ("ManulifeAM (Vietnam)") is an affiliate of Manulife Asset Management, one of the leading fund management companies in the world with 100 years of experience in managing investment funds in Asia.
	The world local asset management company Our competitive advantage is the combination of world-class global expertise and insights into the local market.
	Your funds are professionally and prudently managed as the assets of the Group As of March 31, 2010, MAV is managing total assets of investments worth over USD 302 billion worldwide, of which USD $ 113 billion comes from the assets of investors. In Vietnam, as of March 31, 2010, we are managing total assets of USD 278 million.