Manulife Peso Affluence Builder is a minimum 5-Pay*** variable life insurance product that allows you to enjoy the

rewards from
investing in any or a combination of professionally-managed investments accounts, while providing you with life long protection.

MANULIFE PESO AFFLUENCE BUILDER'S MAJOR FEATURES

Determine the desired Face Amount depending on your need to help you achieve your financial objectives. You
decide on your annual basic premium from a minimum amount of PHP 50,000.

Choose the investment account that suits your risk profile. You may choose to invest your premiums partly or entirely,
subject to allowable fund allocations, in any of several funds. You can even later on switch from one fund to another, subject to the
applicable rules on fund switching.

Provide yourself with the protection you need. Your beneficiaries shall receive the higher of the policy's Face Amount or the
Account Value adjusted by all partial withdrawals and top-ups made, subject to minimum death benefit.*

Increase your investment if you wish or simply take advantage of optimistic market trends. Build up your investment
through additional premiums ("top-ups") anytime.

Withdraw from your account if needed. You may withdraw anytime for any reason, subject to applicable surrender charges,
minimum withdrawal amount, and minimum remaining fund balance.

Enjoy the reward of keeping your investment with Manulife. Loyalty Bonus equal to 3% of your average fund balance is
automatically added to your Account Value starting on the end of the 5th year and every 4 years thereafter, subject to certain
conditions.**

Check on your investment regularly. The unitized feature of our funds allows you to monitor your investment by checking our
unit prices daily at www.manulife.com.ph or every Thursday in a major Philippine broadsheet newspaper.

AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ALL THE INVESTMENT RISKS UNDER THIS POLICY

INFORMATION
Insured
Age

MR. JOHN DESCALSOTA

39

Sex
Currency

MALE
Philippine Peso

YOUR BENEFITS
Basic Benefit
Manulife Affluence Builder Minimum 5-Pay (DB option 2 (Level Face) - 5x-35x [PESO])
Recurring Top-Up

PHP

Supplementary Benefits
Accidental Death Benefit (ADB)
Total Disability Waiver (TDW)

PHP

Face Amount
250,000

Face Amount
250,000
Included

Annual Basic Premium

PHP
50,000.00
Recurring Top-Up Premium
PHP
10,000.00
Annual Rider Premium
PHP
703.25
PHP
583.09

PREMIUMS
Premium Component
Basic Premium + Rider Premiums
Recurring Top-Up Premium
Total Premium

PHP
PHP
PHP

Annual
51,286.34
10,000.00
61,286.34

PHP
PHP
PHP

Semi-Annual
25,664.51
5,000.00
30,664.51

PHP
PHP
PHP

Quarterly
12,842.92
2,500.00
15,342.92

PHP
PHP
PHP

Monthly
4,282.88
833.33
5,116.21

If, after buying the policy, you decide it is not suitable for your needs, simply return the Policy Contract to Manulife within fifteen (15) days from the
date you received it. We will refund to you the applicable Premium Load, Cost of Insurance, Policy Fee, Rider Premiums and Account Value of your
policy.
* The minimum death benefit as prescribed by law is 500% of Basic Premium plus 125% of Top-ups less 125% of withdrawals.
** Loyalty Bonus is not guaranteed and excludes funds from Top-Ups.
*** Premium payment period of minimum 5 years is not guaranteed. You may still be required to pay additional premium after 5 years if the Account Value is
insufficient to pay the charges.

MR. JOHN DESCALSOTA

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

FINANCIAL ADVISER

The Manufacturers Life Insurance Company opened its doors for business in the Philippines in 1907. Since then, Manulife's Philippine Branch and later The Manufacturers Life Insurance Co.
(Phils.), Inc. (Manulife Philippines) has grown to become one of the leading life insurance companies in the country. Manulife Philippines is a wholly-owned domestic subsidiary of Manulife
Financial Corporation, among the world's largest life insurance companies by market capitalization.
Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. We operate as John Hancock in the U.S. and as Manulife in
other parts of the world. We provide strong, reliable, trustworthy and forward-thinking solutions for our customers significant financial decisions. Our international network of employees,
agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional
customers. Assets under management by Manulife and its subsidiaries were approximately C$691 billion (US$596 billion) as at December 31, 2014.
Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife can be found on the Internet at manulife.com.

A3JZG215563YXIW
AE771263AF8B31NY-01

Page 1 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

ILLUSTRATION OF BENEFITS
This illustration is based on the assumptions in the first page of this proposal.
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED
Yr

Age

Recurring
Top-up
Premiums

Basic
Premiums

TOTAL ACCOUNT VALUE

FULL WITHDRAWAL VALUE

TOTAL DEATH BENEFIT

1
2
3
4

40
41
42
43

50,000
50,000
50,000
50,000

10,000
10,000
10,000
10,000

Low
31,447
64,179
126,952
192,391

Medium
32,692
68,034
136,051
209,693

High
33,315
69,999
140,759
218,792

Low
10,387
25,990
50,718
192,391

Medium
10,822
27,599
54,610
209,693

High
11,040
28,419
56,629
218,792

Low
262,500
275,000
287,500
300,000

Medium
262,500
275,000
287,500
300,000

High
262,500
275,000
287,500
300,000

44

50,000

10,000

264,485

293,576

309,145

264,485

293,576

309,145

312,500

312,500

312,500

6
7
8
9

45
46
47
48

0
0
0
0

0
0
0
0

273,664
283,240
293,234
310,823

315,774
339,784
365,716
402,289

338,794
371,409
407,286
456,118

273,664
283,240
293,234
310,823

315,774
339,784
365,716
402,289

338,794
371,409
407,286
456,118

312,500
312,500
312,500
312,500

315,774
339,784
365,716
402,289

338,794
371,409
407,286
456,118

10

49

322,029

433,221

500,466

322,029

433,221

500,466

322,029

433,221

500,466

11
12
13
14

50
51
52
53

0
0
0
0

0
0
0
0

333,684
345,805
367,013
380,468

466,627
502,706
553,629
596,668

549,248
602,909
675,995
742,330

333,684
345,805
367,013
380,468

466,627
502,706
553,629
596,668

549,248
602,909
675,995
742,330

333,684
345,805
367,013
380,468

466,627
502,706
553,629
596,668

549,248
602,909
675,995
742,330

15

54

394,461

643,150

815,299

394,461

643,150

815,299

394,461

643,150

815,299

16
17
18
19

55
56
57
58

0
0
0
0

0
0
0
0

409,013
434,490
450,644
467,444

693,351
764,258
824,147
888,827

895,565
1,004,956
1,104,188
1,213,343

409,013
434,490
450,644
467,444

693,351
764,258
824,147
888,827

895,565
1,004,956
1,104,188
1,213,343

409,013
434,490
450,644
467,444

693,351
764,258
824,147
888,827

895,565
1,004,956
1,104,188
1,213,343

20

59

484,915

958,682

1,333,413

484,915

958,682

1,333,413

484,915

958,682

1,333,413

21
26

60
65

0
0

0
0

515,521
636,121

1,057,420
1,581,471

1,497,155
2,455,739

515,521
636,121

1,057,420
1,581,471

1,497,155
2,455,739

515,521
636,121

1,057,420
1,581,471

1,497,155
2,455,739

AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ALL THE INVESTMENT RISKS UNDER THIS POLICY
The Low, Medium and High values are calculated assuming fund earning rates of 4.00%, 8.00% and 10.00%, respectively, net of Fund Management
Charges. These rates are used merely to illustrate and do not represent actual year-on-year performance. These scenarios DO NOT represent lower
and upper limit of fund crediting levels. The values shown are not guaranteed and depend on the actual performance of the Funds.
When the Total Account Value is zero, the Account Value will be insufficient to cover the monthly deductions. To provide you with continued
insurance coverage, we shall create a policy debt corresponding to the monthly deductions while there is no Account Value, provided that Basic
premiums and Rider premiums due are paid on time and there are no fund withdrawals. This policy debt, accumulated in your account without
interest, is extinguished if, and as, the Account Value grows. The policy will not be terminated on account of an outstanding policy debt within the
first 5 years, provided that premiums are paid on time and there are no withdrawals from your account. Any policy debt shall be deducted from the
Total Death Benefit payable.
A non-guaranteed loyalty bonus at the end of the 5th year and every 4 years thereafter is included in the above illustration, if eligible. The loyalty
bonus is 3% of the average Account Value for the past 48 months, excluding funds from Top-Up Premiums.
Please refer to Important Illustration Notes for more information.

A3JZG215563YXIW
AE771263AF8B31NY-01

MR. JOHN DESCALSOTA

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

FINANCIAL ADVISER

Page 2 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

CHARGES
This Sales Illustration is based on the following charges:
Premium Charges of 55% on the first policy year and 55% on the second year are deducted from the Basic Premium received.
Recurring Top-Up Premiums and Lump-Sum Top-Up Premiums shall also be subject to a 4% premium charge.
Fund Management Charge will be charged per year to cover the cost of managing the assets.
Monthly Deductions will be deducted from the Account Value at Unit Price. The illustration is based on annual mode and
standard risk class. Actual deductions from the Fund shall be made monthly. The monthly deductions consist of the following:
Policy Fee of PHP 100.00 per month.
Cost of Insurance (COI) which starts at standard annual rate of 3.02 per thousand of amount at risk or PHP 57.94 per
month and increases with age but will not exceed a monthly charge of 83.33 per thousand of amount at risk.
Surrender Charges, expressed as a percentage of the amount withdrawn or surrendered are charged for every partial and full
withdrawal made, are as follows: 90% on the first policy year, 80% on the second policy year, and 75% on the third policy year.
The company reserves the right to change the charges upon approval of the Insurance Commission and by giving the
Owner at least three (3) months notice.

IMPORTANT ILLUSTRATION NOTES

AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ALL THE INVESTMENT RISKS UNDER THIS POLICY
All payments and benefits shown are in Philippine Pesos.
The illustration assumes that the Total Basic Premiums, Rider Premiums and Recurring Top-Up Premiums, if any, are paid in
full. Recurring Top-Up Premiums, Lump-Sum Top-Up Premiums and Partial Withdrawals, if any, are at the beginning of the
policy year. Top-Up Premiums are allowed provided no premiums are deferred.
Recurring Top-Ups, if any, are paid on top of the Basic Premiums.
Full Withdrawal Values illustrated are net of all charges outlined in the Fund Page(s) of this illustration, and surrender
charges applicable to the first 3 years of the policy as mentioned above. The surrender charges mentioned do not apply to
any Recurring Top-Ups or Lump-Sum Top-Ups. Any withdrawals from the Recurring Top-Ups and Lump-Sum Top-Ups are
not subject to the surrender charges.
This illustration shall form part of the insurance contract once the policy is issued. The precise terms and conditions of this
plan are specified in your policy contract. Please refer to your policy contract for full details.
We have tried our best to ensure the accuracy of this illustration; however, errors and omissions may still have occurred in
its preparation.
By signing below, you signify that you have read and understood the disclosures in the illustrations; that your
Financial Adviser has explained to your satisfaction the principal features of the policy, the manner in which the
variable benefits will reflect the investment experience of the separate investment fund(s), and the guarantees on
minimum death benefit and maximum charges; that you fully understand that when buying this policy, you are
assuming all investment risks associated with it.

A3JZG215563YXIW
AE771263AF8B31NY-01

MR. JOHN DESCALSOTA

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

FINANCIAL ADVISER

Page 3 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

INVESTMENT FUND OPTIONS

INVESTMENT FUND OBJECTIVES

Management
Fee

Fund
Allocation

1.75%

0%

2.00%

0%

2.25%

100%

2.25%

0%

0.50%

NA

Peso Secure Fund

The Peso Secure Fund is designed to achieve stable and long-term growth by investing in government securities, high-quality
corporate debt securities and/or in pooled fund/s that invest in these securities and other liquid fixed income instruments.

Peso Diversified Value Fund

The Peso Diversified Value Fund is designed to achieve a stable and long-term capital growth by investing in government
securities, high-quality corporate debt securities, stocks listed on the Philippine Stock Exchange and/or pooled fund/s that
invest in these securities and other liquid fixed income instruments.

Peso Dynamic Allocation Fund

The Peso Dynamic Allocation Fund is designed to achieve long-term capital growth by investing in diversified portfolios of
local currency-denominated fixed income securities and securities listed on the Philippine Stock Exchange and/or pooled
funds that invest in these securities and other liquid fixed income instruments.

Peso Growth Fund

The Peso Growth Fund is designed to achieve long-term capital appreciation by investing in stocks listed on the Philippine
Stock Exchange, government securities and/or in pooled fund/s that invest in these securities and other liquid instruments.

Peso Cash Fund (for fund switching only)

The Peso Cash Fund aims to deliver returns with low volatility through investments in cashlike instruments.

HISTORICAL INVESTMENT FUND PERFORMANCE

Peso Secure Fund

Absolute Returns (Not Annualized)

Peso Dynamic
Peso Growth Fund
Allocation Fund
July 1, 2013
April 14, 2009

April 14, 2009

Peso Diversified
Value Fund
April 14, 2009

2009
2010
2011
2012
2013
2014

*0.90%
12.69%
13.19%
7.38%
12.16%
2.74%

*8.70%
18.03%
9.51%
12.17%
8.57%
5.93%

N.A.
N.A.
N.A.
N.A.
*-4.80%
11.53%

*33.80%
39.39%
2.47%
36.26%
1.73%
21.40%

*11.50%
9.87%
8.98%
15.28%
-10.14%
8.27%

N.A.
N.A.
*-0.90%
8.48%
-5.95%
1.88%

N.A.
N.A.
N.A.
*2.70%
-3.99%
13.47%

Since Inception

57.40%

80.40%

6.40%

226.80%

49.20%

3.00%

11.20%

Inception Date

US Dollar Secure
Fund
April 14, 2009

US Dollar Asia
US Dollar ASEAN
Pacific Bond Fund
Growth Fund
October 24, 2011 November 26, 2012

* Fund performance is from inception date until December 31 of the launch year
The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.
Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield include changes in the credit standing of
the issuers and changes in the value of the stocks and dividends received. Further, investments of the Funds may provide that their values be determined based
on prices or yields of other securities, instruments or foreign currencies, and such provisions may result in negative fluctuations in the value of these instruments
and, in turn, the Funds' yields. Thus, the performance of the separate account(s) is not guaranteed and the value of the policy could be less than the capital
invested subject to any specified minimum guarantees.
The Variable Life policyholder shall bear all investment risks.
Past performance of the Funds is not necessarily indicative of future performance. Yields are not guaranteed. Yields indicated are after final tax and are exclusive
of charges associated with the variable life policy.
The Unit Price of a particular Fund is computed by dividing the Net Asset Value of the Fund by the number of outstanding units of the Fund on the Valuation
Date.
The frequency of valuation is daily.
Unit Prices of the Funds are published weekly in major newspapers.

Certified true and Correct:

Aira Gaspar, CFA

Senior Vice President & Chief Investment Officer
A3JZG215563YXIW
AE771263AF8B31NY-01

Page 4 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

LOYALTY BONUS ILLUSTRATION

This illustration is based on the assumptions in the first page of this proposal.
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED
Yr

Age

Recurring
Top-up
Premiums

Basic
Premiums

Lump Sum
Top-up
Premiums

Gross Partial
Withdrawal

LOYALTY BONUS
Low

Medium

High

1
2
3
4

40
41
42
43

50,000
50,000
50,000
50,000

10,000
10,000
10,000
10,000

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

44

50,000

10,000

3,854

4,123

4,265

6
7
8
9

45
46
47
48

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
7,153

0
0
0
8,568

0
0
0
9,368

10

49

11
12
13
14

50
51
52
53

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
8,601
0

0
0
11,958
0

0
0
14,059
0

15

54

16
17
18
19

55
56
57
58

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
10,342
0
0

0
16,690
0
0

0
21,099
0
0

20

59

21
26

60
65

0
0

0
0

0
0

0
0

12,435
0

23,295
0

31,665
0

The Low, Medium and High values are calculated assuming fund earning rates of 4.00%, 8.00% and 10.00%, respectively, net of Fund Management
Charges. These rates are used merely to illustrate and do not represent actual year-on-year performance. These scenarios DO NOT represent lower
and upper limit of fund crediting levels. The values shown are not guaranteed and depend on the actual performance of the fund.
The payment of the Loyalty Bonus is contingent on the fulfillment of the following conditions:
1.
All withdrawals made do not exceed all Top-Up premiums paid.
2.
All basic and rider premiums due in arrears are paid when policy resumes premium payment.
3.
All basic and rider premiums due in arrears are paid when policy is reinstated.

A3JZG215563YXIW
AE771263AF8B31NY-01

MR. JOHN DESCALSOTA

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

FINANCIAL ADVISER

Page 5 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

SUPPLEMENTARY BENEFITS
Coverage /
Benefit

Annual
Premium

Accidental Death Benefit (ADB)

Provides additional coverage if the death occurs through accidental means.

250,000

703.25

Total Disability Waiver (TDW)

Provides for the waiver of premiums if the life insured becomes totally disabled before
age 60 and remains so for at least six consecutive months. If total disability occurs
between ages 60-65, premiums will be waived up to age 65 only.

Included

583.09

A3JZG215563YXIW
AE771263AF8B31NY-01

Page 6 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Sales Illustration Specially Designed For MR. JOHN DESCALSOTA

ILLUSTRATION OF GUARANTEED RIDER CASH VALUES

This illustration is based on the assumptions in the first page of this proposal.
Year
1
2
3
4

Age
40
41
42
43

6
7
8
9

Accidental Death Benefit

Total
0.00
250.00
750.00
1,000.00

0.00
250.00
750.00
1,000.00

44

1,250.00

1,250.00

45
46
47
48

1,250.00
1,250.00
1,250.00
1,250.00

1,250.00
1,250.00
1,250.00
1,250.00

10

49

1,250.00

1,250.00

11
12
13
14

50
51
52
53

1,250.00
1,250.00
1,250.00
1,250.00

1,250.00
1,250.00
1,250.00
1,250.00

15

54

1,250.00

1,250.00

16
17
18
19

55
56
57
58

1,250.00
1,250.00
1,250.00
1,000.00

1,250.00
1,250.00
1,250.00
1,000.00

20

59

1,000.00

1,000.00

21
26

60
65

1,000.00
750.00

1,000.00
750.00

Important Illustration Notes:

*
*

Only rider/s with guaranteed cash values appear in this particular illustration.
Accidental Death Benefit rider terminates upon attainment of Age 70 of the Insured.

A3JZG215563YXIW
AE771263AF8B31NY-01

MR. JOHN DESCALSOTA

SAGUINDAN,JOSEPHINE,ALZAGA (771263)

POLICYOWNER

FINANCIAL ADVISER

Page 7 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2

Applicant :
MR. JOHN DESCALSOTA
Application No :
Financial Adviser's Name : SAGUINDAN,JOSEPHINE,ALZAGA

Code No :

771263

Unit :

ACKNOWLEDGEMENT OF VARIABILITY
I acknowledge that:
I have applied with The Manufacturers Life Insurance Co. (Phils.), Inc. for a Variable Life Insurance Policy, and have reviewed the
illustration(s) that shows how a variable life insurance policy performs using the company's assumptions and based on Insurance
Commission's guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual
performance at that given period and that the value of my policy could be less than the capital invested. The unit values of my Variable Life
Insurance are periodically published.
I understand that the recommended minimum payment period of 5 years may not be sufficient to keep my policy in-force and that to keep
my policy from termination, I may be required to put in additional top-up premiums when the Account Value becomes insufficient to cover
the policy charges.
I understand that the investment risks under the policy are to be borne solely by me, as the policyholder.

MR. JOHN DESCALSOTA

Date

POLICYOWNER

ACKNOWLEDGEMENT OF UNDERSTANDING
I have carefully read and understood the disclosures in the illustration. My Financial Adviser has explained to my satisfaction the principal
features of the policy, the non-guaranteed components, the manner in which the variable benefits will reflect the investment experience of
the separate investment fund(s), and the guarantees on minimum death benefit and maximum charges. I also understand that the
illustration is valid only for one (1) month from print date and that any alteration shall invalidate this illustration.

MR. JOHN DESCALSOTA

Date

POLICYOWNER

Agent's Attestation: This illustration has been presented to the Policyowner unaltered. The Policyowner has been told that values that
are not guaranteed are subject to change; and no statements have been made that are inconsistent with the illustration.

SAGUINDAN,JOSEPHINE,ALZAGA(771263)
FINANCIAL ADVISER

A3JZG215563YXIW
AE771263AF8B31NY-01

Page 8 of 8
This proposal prepared on 06 May, 2015 is valid until 15 May, 2015
Illustrations are valid only if all illustration pages are included.

Date

Ver. Ph2015.3.39.003.0318
CE205 - PACK VER2