From Manulife

http://www.manulife.com.my/life/Documents/ManuLink%20Shield_Full_280115.pdf

1. This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. 2. You should satisfy yourself that this plan and the rider will best serve your needs and that the premium payable under the policy contract is an amount you can afford. 3. Please note that a life insurance policy is a long-term commitment and as such it is not advisable to hold the policy for a short period of time in view of the high initial cost. 4. Please also be aware that you may deplete the Investment-Linked funds’ units when purchasing too many unit deducting riders. 5. You are given a “Free-Look Period” of fi fteen (15) calendar days to review the suitability of your newly purchased insurance plan from the receipt date of the policy contract. If you return the policy contract to Manulife Insurance Berhad (MIB) during this period, the unallocated premiums (if any), value of units that have been allocated (if any) at unit price at the next valuation date as well as any fees and charges excluding the Fund Management Charge that have been deducted, less any medical expenses which may have been incurred will be refunded to you and this Policy shall be cancelled. 6. Purchase of new units and sale of units will be at the Net Asset Value (NAV). Net Asset Value is the single price at which the policyowner buys and sells the units. 7. Valuation of the underlying assets of the Investment-Linked funds is on every business day basis. Transactions are carried out on a forward pricing basis, which means that all transactions carried out today will be based on the unit prices determined at the next valuation date and not the price currently available. 8. The value of the funds shall equal to the fair market value of all the funds assets at the close of the business day immediately preceding the Valuation Date, less funds liabilities, and less fund management charge. 9. Investment returns are not guaranteed as unit prices may go down as well as up. These investment risks are borne solely by the policy owners. Past performance of the funds is no indication of future performances. 10. In the event of exceptional circumstances, such as high volume of sales of investment in a short period of time, MIB reserves the right to defer or suspend the issuance or redemption of units. 11. In the fi rst 2 policy years the Company will allow a period of 3 months from the due date for the payment of each premium. If all premiums due remains unpaid at the end of the 3 months, the policy shall automatically be surrendered for its Account Value, if any. The Account Value in IPA shall be subject to Full Surrender Charge. From the third (3rd) Policy Year onwards, if any premium remains unpaid at the end of the Grace Period of 1 month, and if the policy has Account Value, the Company shall administer the policy on the basis of the premium holiday benefi t, otherwise the policy shall automatically be terminated. 12. This brochure is for general information only and is not to be construed as a contract of insurance and no consideration has been given to the particular circumstances or needs of any person. The precise terms, conditions, exclusions and defi nitions of this plan are specifi ed in the policy contract issued by MIB. Terms and conditions apply. 13. The premium and/or policy charges, whichever applicable, may be subject to Goods and Services Tax (GST) and any other taxes that may be introduced by the Government of Malaysia from time to time, at the prevailing rate. MIB reserves the right to collect from you an amount equivalent to the taxes payable for the premium and/or policy charges, whichever applicable. If your policy period spans over the effective date of the GST, the amount collected on GST will be on pro-rated basis. Your obligation to pay GST and other applicable taxes shall form part of the Terms and Conditions in your insurance policy. 14. In the event of any discrepancy between the English, Bahasa Malaysia and Chinese versions, the English version shall prevail. 15. This plan is underwritten by Manulife Insurance Berhad (814942-M), a company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. It is located at 16th fl oor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur.