Prop Af223025a99kjen2 PDF

Proposal designed for:
HORIZONS Insured: MR. Darren Imperio

Owner: MS. Jocelyn Imperio
Why you made the right choice with MANULIFE HORIZONS

Enjoy peace of mind with double protection coverage for your family.
Build your funds faster by making extra investments anytime through top-ups.
Withdraw money easily from your fund anytime a need arises.
Enhance your protection coverage through additional benefits depending on your specific needs.
How much you’ll invest (in PHP) How much you may get (in PHP)
Yearly investment1 Total investment2 Living benefit3 Death benefit
Basic plan 15,064 150,640 After 10 years: 138,553 800,000
Total investment 15,064 150,640 After 20 years: 264,594 800,000
At age 65: 4,026,529 4,026,529
Invest for a minimum of 10 years.2 Assuming your funds will grow by 8% a year.
Your policy details

Insured: Mr. Darren Imperio • This is your proposal also known as the sales illustration. Please read it carefully
Age: 9 Gender: Male and review all details before signing it.
Owner: Ms. Jocelyn Imperio • You have 15 days to look at your policy contract from the time you receive it. If
you decide it is not suitable for your needs, you can return it and we will give you
Age: 41 Gender: Female the refund value.
Currency: Philippine Peso Face Amount: 400,000
• Your death benefit is the higher of 200% of your face amount, plus 125% of all
Your Your top-ups, less 125% of all partial withdrawals or your account value. It will not be
benefit premium less than 500% of the basic premium, plus 125% of top-ups less 125% of
Basic Plan withdrawals.
Manulife Horizons4 800,000 15,064.00 • AS THE OWNER, YOU SHALL BEAR ALL THE INVESTMENT RISKS
(10-Pay1, Type 2 Level Face) UNDER THIS POLICY.
Additional benefits (riders)
Accidental Death Benefit 800,000 1,233.84
Maccimax Plan 1 200,000 582.00 1We will invest your basic premiums and extra investments in your funds.
Payor's Benefit Included 687.01 Policy charges may apply. Rider premiums are not invested in your funds.
2The minimum paying period of 10 years is not guaranteed. You may still
Total annual premium 17,566.85
be asked to pay premiums to continue your policy.
3Your living benefit is the value of your investments in your funds. We call
Other installment options are also available: this your account value. How your funds will perform is not guaranteed,
Semi-annual 8,840.12 therefore the values are not guaranteed.
4The benefit amount shown is your initial death benefit. It may be higher
Quarterly 4,448.41
or lower as explained above in the notes about your death benefit.
Monthly 1,487.83
Account value is the value of your investment in your funds. Riders are extra benefits you can buy on top of your basic plan.
Basic premiums are the amounts you will pay for your basic plan’s benefit. • Accidental Death Benefit covers you in case of death due to an accident.
Fund refers to any of the funds we are offering. Please read About our funds for
more information. • Critical Illness Rider gives you a lump sum benefit if diagnosed with any of 60
covered illnesses.
Refund value is the sum of the Account Value, the policy charges and your rider
premiums. • Hospital Income Benefit gives you daily allowances for a stay in the hospital.
Extra Investments are additional amounts you can put in your fund on top of your • MacciMax Plan gives you benefits in case of accident-related incidents.
basic premium. • Term Rider gives you extra death benefit on top of basic plan.
• Recurring top-ups are your regular extra investments you can pay together • Total Disability Waiver exempts you from paying premiums when you become
with the basic premium. disabled.
• Lump sum top-ups are extra investments you can pay anytime. Rider premiums are the amounts you will pay for additional benefits.
Page 1 of 7
A3S54219CH3NWJ8 Your proposal was prepared on 17 December, 2019 and is valid until 16 January, 2020 Ver. Ph2019.3.65.002.1209
AF223025A99KJEN2-06 This is valid only if all pages are included. UH210A - PACK
Your benefits illustrated
Basic LIVING BENEFIT FULL WITHDRAWAL VALUE DEATH BENEFIT

Year Age Premiums
4% 8% 10% 4% 8% 10% 4% 8% 10%
1 10 15,064 1,057 1,162 1,215 106 116 122 800,000 800,000 800,000
2 11 15,064 2,133 2,394 2,528 427 479 506 800,000 800,000 800,000
3 12 15,064 14,227 15,122 15,582 3,557 3,781 3,896 800,000 800,000 800,000
4 13 15,064 26,816 28,883 29,958 26,816 28,883 29,958 800,000 800,000 800,000
5 14 15,064 39,921 43,764 45,793 39,921 43,764 45,793 800,000 800,000 800,000
6 15 15,064 53,566 59,857 63,238 53,566 59,857 63,238 800,000 800,000 800,000
7 16 15,064 67,774 77,267 82,462 67,774 77,267 82,462 800,000 800,000 800,000
8 17 15,064 82,571 96,103 103,651 82,571 96,103 103,651 800,000 800,000 800,000
9 18 15,064 97,984 116,488 127,011 97,984 116,488 127,011 800,000 800,000 800,000
10 19 15,064 114,041 138,553 152,769 114,041 138,553 152,769 800,000 800,000 800,000
11 20 - 116,073 147,157 165,602 116,073 147,157 165,602 800,000 800,000 800,000
12 21 - 118,166 156,459 179,745 118,166 156,459 179,745 800,000 800,000 800,000
13 22 - 120,328 166,517 195,337 120,328 166,517 195,337 800,000 800,000 800,000
14 23 - 122,562 177,400 212,531 122,562 177,400 212,531 800,000 800,000 800,000
15 24 - 124,877 189,181 231,500 124,877 189,181 231,500 800,000 800,000 800,000
16 25 - 127,279 201,939 252,431 127,279 201,939 252,431 800,000 800,000 800,000
17 26 - 129,777 215,761 275,535 129,777 215,761 275,535 800,000 800,000 800,000
18 27 - 132,381 230,742 301,042 132,381 230,742 301,042 800,000 800,000 800,000
19 28 - 135,099 246,983 329,206 135,099 246,983 329,206 800,000 800,000 800,000
20 29 - 137,942 264,594 360,308 137,942 264,594 360,308 800,000 800,000 800,000
21 30 - 140,918 283,692 394,655 140,918 283,692 394,655 800,000 800,000 800,000
22 31 - 144,034 304,404 432,585 144,034 304,404 432,585 800,000 800,000 800,000
23 32 - 147,296 326,862 474,469 147,296 326,862 474,469 800,000 800,000 800,000
24 33 - 150,708 351,214 520,718 150,708 351,214 520,718 800,000 800,000 800,000
25 34 - 154,274 377,615 571,784 154,274 377,615 571,784 800,000 800,000 800,000
26 35 - 157,997 406,235 628,165 157,997 406,235 628,165 800,000 800,000 800,000
27 36 - 161,877 437,256 690,415 161,877 437,256 690,415 800,000 800,000 800,000
28 37 - 165,916 470,877 759,144 165,916 470,877 759,144 800,000 800,000 800,000
29 38 - 170,111 507,314 835,004 170,111 507,314 835,004 800,000 800,000 835,004
30 39 - 174,461 546,801 918,505 174,461 546,801 918,505 800,000 800,000 918,505
31 40 - 178,966 589,597 1,010,355 178,966 589,597 1,010,355 800,000 800,000 1,010,355
32 41 - 183,623 635,982 1,111,391 183,623 635,982 1,111,391 800,000 800,000 1,111,391
33 42 - 188,430 686,263 1,222,530 188,430 686,263 1,222,530 800,000 800,000 1,222,530
34 43 - 193,388 740,777 1,344,783 193,388 740,777 1,344,783 800,000 800,000 1,344,783
35 44 - 198,492 799,893 1,479,261 198,492 799,893 1,479,261 800,000 800,000 1,479,261
36 45 - 203,743 863,885 1,627,187 203,743 863,885 1,627,187 800,000 863,885 1,627,187
37 46 - 209,139 932,995 1,789,906 209,139 932,995 1,789,906 800,000 932,995 1,789,906
38 47 - 214,677 1,007,635 1,968,897 214,677 1,007,635 1,968,897 800,000 1,007,635 1,968,897
39 48 - 220,356 1,088,246 2,165,787 220,356 1,088,246 2,165,787 800,000 1,088,246 2,165,787
40 49 - 226,173 1,175,305 2,382,365 226,173 1,175,305 2,382,365 800,000 1,175,305 2,382,365
41 50 - 232,124 1,269,330 2,620,602 232,124 1,269,330 2,620,602 800,000 1,269,330 2,620,602
42 51 - 238,200 1,370,876 2,882,662 238,200 1,370,876 2,882,662 800,000 1,370,876 2,882,662
43 52 - 244,395 1,480,546 3,170,928 244,395 1,480,546 3,170,928 800,000 1,480,546 3,170,928
44 53 - 250,698 1,598,990 3,488,021 250,698 1,598,990 3,488,021 800,000 1,598,990 3,488,021
45 54 - 257,097 1,726,909 3,836,823 257,097 1,726,909 3,836,823 800,000 1,726,909 3,836,823
46 55 - 263,581 1,865,062 4,220,505 263,581 1,865,062 4,220,505 800,000 1,865,062 4,220,505
47 56 - 270,133 2,014,267 4,642,556 270,133 2,014,267 4,642,556 800,000 2,014,267 4,642,556
48 57 - 276,739 2,175,408 5,106,811 276,739 2,175,408 5,106,811 800,000 2,175,408 5,106,811
49 58 - 283,380 2,349,441 5,617,492 283,380 2,349,441 5,617,492 800,000 2,349,441 5,617,492
50 59 - 290,039 2,537,396 6,179,242 290,039 2,537,396 6,179,242 800,000 2,537,396 6,179,242
51 60 - 296,700 2,740,388 6,797,166 296,700 2,740,388 6,797,166 800,000 2,740,388 6,797,166
56 65 - 329,447 4,026,529 10,946,904 329,447 4,026,529 10,946,904 800,000 4,026,529 10,946,904
• Your benefits illustrated above are estimates based on different assumptions as to how your funds will perform. The scenarios above assume that
your funds will earn 4%, 8% and 10% a year. These rates are for illustration only, they do not represent actual performance and they are not the
limits on your fund returns. Actual returns may be lower or higher and the value could be less than how much you paid. How the funds will
perform is not guaranteed, so the values are also not guaranteed. Please read Important Reminders section for more
information.
• The full withdrawal values are already after withdrawal charges have been deducted.
Page 2 of 7
Your additional benefits (riders)

These are your additional benefits called riders that you bought together with this policy. When your policy ends, these benefits will also end.
Benefit Premium
Accidental Death Benefit
We will give this additional benefit when the insured dies due to accident. 800,000 1,233.84
Maccimax Plan (1, 2, 3 or 4)
We will pay benefits for an accident that results to death, dismemberment, disability, and 200,000 582.00
hospitalization. Other benefits we will give are double indemnity, family assistance benefit, no
claim bonus and waiver of premium. Depending on your plan, you may also enjoy benefits for
temporary disability and hospital indemnity.
Payor's Benefit
If the owner dies before the insured reaches age 25, we will no longer ask for premiums to Included 687.01
continue this policy. If he becomes totally disabled, we will also not ask for premiums but only
as long as the insured is not yet age 25.
Once the insured reaches age 25 and there is no claim under this benefit, we will now cover
him instead of the owner. This means that you no longer need to pay your premiums if he
becomes totally disabled.
Page 3 of 7
Your guaranteed rider cash values

If you decide to end your policy, you can receive these amounts from your riders. The values shown below are for the riders you bought with
cash value feature.
Year Age Accidental Death Benefit Maccimax Plan 1 Total
1 10 - - -
2 11 - - -
3 12 1,600.00 400.00 2,000.00
4 13 1,600.00 400.00 2,000.00
5 14 2,400.00 600.00 3,000.00
6 15 3,200.00 800.00 4,000.00
7 16 3,200.00 1,000.00 4,200.00
8 17 4,000.00 1,200.00 5,200.00
9 18 4,800.00 1,400.00 6,200.00
10 19 4,800.00 1,600.00 6,400.00
11 20 4,800.00 1,600.00 6,400.00
12 21 4,800.00 1,600.00 6,400.00
13 22 4,800.00 1,600.00 6,400.00
14 23 4,000.00 1,600.00 5,600.00
15 24 4,000.00 1,600.00 5,600.00
16 25 4,000.00 1,600.00 5,600.00
17 26 4,000.00 1,600.00 5,600.00
18 27 4,000.00 1,600.00 5,600.00
19 28 4,000.00 1,600.00 5,600.00
20 29 4,000.00 1,600.00 5,600.00
46 55 4,000.00 1,000.00 5,000.00
51 60 3,200.00 800.00 4,000.00
56 65 2,400.00 400.00 2,800.00
• Your riders will end once the insured reaches the following ages:
Accidental Death Benefit Rider age 70
MacciMax Rider Plan 1 age 70
Page 4 of 7
About our funds
Fund Your
Objectives of the fund management fund
charge allocation
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 1.75% 50%
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 2.00% 0%
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 2.25% 0%
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 Wealth Optimizer Funds
The Peso Wealth Optimizer Funds seek to maximize long-term capital growth while managing the risk of capital erosion as the specific target dates
approaches through a dynamic rebalancing of exposure to diversified portfolios of peso-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 Wealth Optimizer 2026 Fund 2.25% 0%
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, 2.25% 0%
government securities and/or in pooled fund/s that invest in these securities and other liquid instruments.
Peso Powerhouse Fund
The Peso Powerhouse Fund is designed to achieve long-term capital appreciation by investing in a concentrated portfolio of companies with 2.00% 50%
significant economic exposure to or derive a significant portion of earnings from the Philippines. The Fund may also invest in pooled funds that invest
in similar securities and other liquid fixed income instruments.
Peso Emperor Fund
The Peso Emperor Fund aims to achieve long-term capital appreciation by investing in equity or equity-linked securities of a diversified portfolio of 2.00% 0%
Philippine-listed companies with bias towards companies with Filipino-Chinese heritage and emerging potential to become market leaders. The Fund
may also invest in pooled funds that invest in similar securities and other liquid fixed income instruments.
Peso Cash Fund (for fund switching only) 0.50% N/A
The Peso Cash Fund aims to deliver returns with low volatility through investments in cash-like instruments.
How our funds performed

Peso
Peso Peso Target Peso Wealth Peso Wealth Peso Wealth Peso
Peso Secure Dynamic Peso Growth Powerhouse PesoFund
Emperor
Diversified Distribution Optimizer Optimizer Optimizer
Fund Allocation Fund
Value Fund Fund** Fund 2026 Fund 2031 Fund 2036 Fund
Fund
Inception Date April 14, 2009 April 14, 2009 July 1, 2013 April 14, 2009 April 7, 2014 June 6, 2016 June 6, 2016 June 6, 2016 January 16, 2017 August 13, 2018
2009 *0.90% *8.70% N.A. *33.80% N.A. N.A. N.A. N.A. N.A. N.A.
2010 12.69% 18.03% N.A. 39.39% N.A. N.A. N.A. N.A. N.A. N.A.
2011 13.19% 9.51% N.A. 2.47% N.A. N.A. N.A. N.A. N.A. N.A.
2012 7.38% 12.17% N.A. 36.26% N.A. N.A. N.A. N.A. N.A. N.A.
2013 12.16% 8.57% *-4.80% 1.73% N.A. N.A. N.A. N.A. N.A. N.A.
2014 2.74% 5.93% 11.53% 21.40% *0.70% N.A. N.A. N.A. N.A. N.A.
2015 -2.16% -2.99% -4.89% -6.12% -4.50% N.A. N.A. N.A. N.A. N.A.
2016 0.39% -0.29% -2.17% -2.28% -3.64% *-8.10% *-8.70% *-8.80% N.A. N.A.
2017 -0.58% 4.76% 12.42% 24.45% 5.00% 18.28% 22.12% 22.59% *17.10% N.A.
2018 -3.64% -6.07% -10.06% -13.72% -5.83% -11.41% -13.00% -13.15% -12.38% *-2.40%
Return Since 47.95% 71.70% 0.10% 223.19% -4.07% -3.70% -3.00% -2.90% 2.60% -2.40%
Inception
* Fund performance is from inception date until December 31 of the launch year.
** Net of monthly payouts
• 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.
• AS THE OWNER, YOU SHALL BEAR ALL THE INVESTMENT RISKS UNDER THIS POLICY.
• Past performance of the Funds is not necessarily indicative of future performance. Yields are not guaranteed. Yields indicated 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:
Katerina Suarez
Senior Vice President and Chief Financial Officer Page 5 of 7
Important reminders
1. Your payments and benefits are in Philippine pesos.

2. Only basic premiums and top-up premiums are invested into your funds. Rider premiums are not invested.
3. Your living benefit is your account value.
4. Your death benefit (Type 2 Level Face) is higher of 200% of your face amount, plus 125% of all top-ups, less 125% of all partial
withdrawals or your account value. It will not be less than 500% of the basic premium, plus 125% of all top-up premiums paid, less 125%
of all withdrawals.
5. The value on Your benefits illustrated and Customize your benefits sections assume that:
a) All premiums, top-ups and withdrawals are made at the beginning of the year;
b) All premiums and top-ups are fully paid on time, and there were no premium holidays except for the amount shown under
Customize your benefits section;
c) You did not withdraw any other amount except for the amount shown under Customize your benefits section;
d) Your full withdrawal value is your living benefit less applicable withdrawal charges;
e) Your partial withdrawal values are taken out of the living benefits under Customize your benefits section. However,
withdrawal charges may apply and these are not yet reflected in the values shown.
6. Contract debt period: If your account value is not enough to pay for the monthly deductions during the first five years, we will delay
collecting them until your account value is enough. Your policy will not end and we will still pay the death benefit if the insured dies. This
will not apply if you miss paying your basic or rider premium, or if your total withdrawals are more than your total extra investments.
7. Premium holiday: You can choose to delay paying your premiums as long as your living benefit is enough to cover the monthly
deductions and rider premiums. However, your living and death benefits may be lower as a result and your policy may end earlier than
when you pay your premiums on time.
8. It is important that you understand the contents of this proposal, as it will become part of your policy once we have approved your
application.
9. We have tried our best to make sure this proposal is accurate; however there may still be mistakes and missing information.
10. Please read carefully your policy contract for the complete terms and conditions. We will apply the terms of your policy contract if there
are differences against your proposal.
The charges on your policy
• We will deduct premium charges out of your basic premiums • We will deduct fund management charges from your funds
and top-ups before we invest them. These are 70% of each basic as shown in About our funds. The fund returns we assumed in
premium for the first two years, and 4% of each top-ups. this illustration are already after these charges have been
• There are monthly deductions from your account value, which deducted.
are: • We will deduct withdrawal charges from the amount you will
receive should you withdraw from your funds during the first three
- the policy fee of PHP 83.33 per month for the first 10 years. These are 90% in the first year, 80% in the second year and
years. 75% in the third year. There are no withdrawal charges if you
- the cost of insurance which starts at PHP 3.22 for each withdraw from funds paid by your top-ups.
thousand of amount at risk (or PHP 213.42 per month) for the • We may change or add new charges as long as the Insurance
first month and increases with age but will not be higher than Commission approves them.
PHP 1,000 for each thousand of amount at risk.
Page 6 of 7
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 looked at the tables
of this proposal that show how the policy performs using the company's assumptions and based on the Insurance Commission's
guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed. It will depend on the actual
performance and the value of my policy could be less than how much I paid. The unit values of my policy are regularly published.
I understand that the recommended minimum payment period of 10 years may not be enough to continue my policy and I may need to
pay more premiums if the account value is not enough to pay the policy charges.
I understand that I shall bear all the investment risks under this policy.
Acknowledgement of understanding
I have read and understood the information in this proposal. My financial adviser has explained:
• the features of the policy;
• the non-guaranteed parts of the policy;
• the way the benefits will depend on how my funds will perform;
• the available funds and the risks related to them;
• the guarantees on the minimum death benefit and maximum charges; and
• that my policy will end once my funds are no longer enough to pay for my monthly deduction, except during contract debt
period.
I also understand that this proposal is valid only until 16 January, 2020 and that any changes will make this proposal invalid.
#OWNER_SIGNATURE #OWNER_SIGNDATE
Jocelyn Imperio Date
Policy Owner
Agent’s confirmation
I have presented this proposal without making any changes. I have explained that the values are not guaranteed and may change. I did
not make any statement that is not consistent with the proposal.
#AGENT_SIGNATURE #AGENT_SIGNDATE
SUMAIT,CHARDILENE KHAE,EPIFANIO (223025) Date
Financial Adviser
Premium Components Extra Ratings

Permanent Temporary Temporary Permanent
Flat Flat Flat %
Annual Semi-Annual Quarterly Monthly Duration
Basic + Rider 17,566.85 8,840.12 4,448.41 1,487.83 HORIZONS std
ADB std
Recurring TU 0.00 0.00 0.00 0.00 MAC1 std
Total 17,566.85 8,840.12 4,448.41 1,487.83 PB std
Rider premiums may included adjustments for extra risk we are covering.
Page 7 of 7
FOR FINANCIAL ADVISER'S USE ONLY
Insured: Darren Imperio Face Amount: 400,000

Age: 9 Gender: MALE Currency: Philippine Peso
Your Your
Benefit Payment
Basic Plan
Manulife Horizons 800,000 15,064.00
(10-Pay, Type 2 Level Face)
Additional benefits (riders)
Accidental Death Benefit (ADB) 800,000 1,233.84
Maccimax Plan 1 (MAC1) 200,000 582.00
Payor's Benefit (PB) Included 687.01
Total Annual Payments 17,566.85
Production Credit Calculation for Manulife Horizons
MODAL FIRST YEAR PRODUCTION

PREMIUM COMMISSION CREDIT
Annual 17,566.85 6,774.11 6,773.00
Semi-Annual 8,840.12 3,421.07 6,842.00
Quarterly 4,448.41 1,727.55 6,910.00
Monthly 1,487.83 516.10 6,193.00
Breakdown of Commission (Annual Mode)
Modal First Year First Year Production Production

Premium Comm Rate Commission Credit Factor Credit
Basic 15,064.00 35% 5,272.40 100% 5,272.00
Top-Up 0.00 2.00% 0.00 100% 0.00
Riders 2,502.85 60% 1,501.71 100% 1,501.00
Total 17,566.85 6,774.11 6,773.00
Things to Remember
• The amounts shown above are for the first year only.
• Riders enjoy an additional 40% commission on top of the basic plan. However, this cannot be higher than 60%.
• Lump-sum top-up commissions are not included in the total.
• Production credits are based on annualized basic and rider premiums, and modal recurring top-up premiums.
• The values are based on the assumption that only one Financial Adviser sold the policy.
• We have tried our best to make sure the proposal is accurate; however there may still be mistakes and missing information when we prepared it.
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Proposal designed for:

HORIZONS Insured: MR. Darren Imperio

Why you made the right choice with MANULIFE HORIZONS

Your policy details

Your benefits illustrated

Basic LIVING BENEFIT FULL WITHDRAWAL VALUE DEATH BENEFIT

Your additional benefits (riders)

Your guaranteed rider cash values

About our funds

How our funds performed

1. Your payments and benefits are in Philippine pesos.

The charges on your policy

Premium Components Extra Ratings

FOR FINANCIAL ADVISER'S USE ONLY

Insured: Darren Imperio Face Amount: 400,000

Total Annual Payments 17,566.85

Production Credit Calculation for Manulife Horizons

MODAL FIRST YEAR PRODUCTION

Breakdown of Commission (Annual Mode)

Modal First Year First Year Production Production

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