Give your Loved Ones the Assurance they deserve

The gift of love

Give your Loved Ones the Assurance they deserve The greatest legacy you can leave behind is the complete assurance that your loved ones will be taken care of should any unforeseen event happens. At Manulife, we understand your desire to continue providing your family with quality of life and peace of mind if you are no longer around. Introducing ManuSignature Term a regular premium term insurance plan designed to provide financial security for Sum Insured of S$1 million and above in the event of death and Terminal Illness (TI)1. You can purchase this plan as a base plan or as a supplementary benefit in addition to other selected Manulife insurance plans and be covered up to age 85 years. 01

Guaranteed Renewable ManuSignature Term offers you the flexibility to select any policy term from 5 to 40 years that suits your needs. If you choose a short policy term of 5 to 10 years, you will enjoy automatic renewability of your plan, regardless of your health conditions. This gives you a financial peace of mind knowing that you will be protected up to age 85 years. Conversion Privilege2 As your needs may change over time, you can also convert your ManuSignature Term policy to any available regular premium life insurance plan offered by us before age 65, regardless of your health conditions. Quit Smoking Incentive (QSI)3 QSI is a unique incentive of ManuSignature Term to encourage smokers to quit smoking. We will offer you non-smoker premium rates during the first 3 policy years. You may continue to enjoy the non-smoker premium rates even after the 3rd policy year if we receive satisfactory evidence that you have stopped smoking. Enhanced Protection You can enhance your protection against accident, disability and critical illness with optional supplementary benefits. ManuSignature Term

Affordable and Unchanged Premiums ManuSignature Term provides high protection coverage at affordable premiums. If you are proven to be in excellent health, you may be eligible for our preferred life4 premium rates, which offer lower premiums than the standard life rates. For policy term of 11 to 40 years, your premiums remain unchanged5 until the end of your policy term and hence allow you to better plan your finances ahead. Assurance for Business Continuity If you are a business owner, your key employees are the most important assets to ensure your business s continued success. By insuring your key employees with ManuSignature Term, it can protect your business by buffering against any adverse financial impact of losing your key employees due to death or Terminal Illness1. 03

Key Benefits at a Glance Policy Term Guaranteed Renewable 5 years to 10 years 11 years to 40 years Conversion Privilege2 Quit Smoking Incentive3 Not Applicable Not Applicable Premiums Subject to change based on the age of the Life Insured upon renewal Unchanged throughout the policy term

Case Study 1 Protecting your Loved Ones Mr. Chan, a 40 - year - old sole breadwinner, is well established professionally. He has just purchased a bigger new house to accommodate his growing family as well as a new car for work purpose. To protect his family and to assure a peace of mind, he decided to enhance his existing insurance coverage. Mr. Chan purchases a ManuSignature Term (with Total & Permanent Disability rider) policy for a sum insured of S$2 million for a policy term of 20 years. Should any unexpected event happen to him during the policy term, the benefit of S$2 million can be used to pay off any outstanding loans and will also help his family maintain their lifestyles. ManuSignature Term and Rider Benefits Premiums (S$) Based on a Sum Insured of S$2 million ManuSignature Term Pays a Lump Sum amount upon death and Terminal Illness1 S$2,536 per year Total & Permanent Disability Rider6 Pays a Lump Sum amount upon Total & Permanent Disability S$294 per year Total Premium Amount S$2,830 per year The above illustration is based on a preferred life 4, male, non-smoker with a 20-year policy term. 05 ManuSignature Term

Case Study 2 Protecting your Business Mr. Tan who is running a successful business, realizes the need to insure against the sudden loss of his key employee, Jane who contributes significantly to the growth of his company. Thus, he purchases a ManuSignature Term (with Critical Care Enhancer and Total & Permanent Disability riders) for a Sum Insured of S$1 million for a policy term of 5 years for Jane. With Jane at the age of 35, Mr. Tan just needs to pay a yearly premium amount of S$2,010 for a coverage amount of S$1 million. The lump sum payout will help Mr. Tan cushion any possible adverse financial impact that may arise should any unexpected event happen to Jane during the policy term. ManuSignature Term and Riders ManuSignature Term Total & Permanent Disability Rider 6 Critical Care Enhancer Rider 7 Benefits Pays a Lump Sum amount upon death and Terminal Illness 1 Pays a Lump Sum amount upon Total & Permanent Disability Pays a Lump Sum amount upon diagnosis of any of the 30 covered critical illnesses Premiums (S$) Based on a Sum Insured of S$1 million S$416 per year S$48 per year S$1,546 per year Total Premium Amount S$2,010 per year The above illustration is based on a standard non-smoker, female, aged 35 with a 5-year policy term. Take steps to protect what matters to you most. Call our Client Service at 6833 8188 to find out more, or speak with your Manulife Financial Planner or any of our appointed distributors for a non-obligatory financial needs analysis.

Footnotes: 1 In the event of TI before the Policy Anniversary immediately following the 85 th birthday of the Life Insured, the Death Benefit will be payable in a lump sum #. 2 Applicable only if the conversion occurs before the Life Insured turns 65 years of age and the Sum Insured for the new base plan cannot exceed the Sum Insured of the original policy #. 3 The QSI is available only to plans with policy term of 11 to 40 years #. 4 Applicable to Life Insured who meets the required health assessment. 5 For plans with policy term of 5 to 10 years, premiums at each renewal are non-guaranteed and are based on the age of the Life Insured at the point of renewal. 6 In the event of Total & Permanent Disability before the Policy Anniversary immediately after the 65 th birthday of the Life Insured, the Death Benefit will be advanced in a lump sum. The Disability must last for a minimum period of 6 consecutive months before a claim can be admitted #. Premium rates for the Rider are non-guaranteed. 7 The list of covered critical illness and more information on the Rider can be found in the respective Product Summary. For Angioplasty & other Invasive Treatment for Coronary Artery, 10% of the Critical Care Enhancer Rider Sum Insured will be advanced. This Benefit is payable only once, subject to a maximum of S$25,000 per life, for all policies which Manulife (Singapore) Pte. Ltd. is liable for. Premium rates for the Rider are non-guaranteed. # Other terms and conditions apply. Please refer to Product Summary and Contract for details. ManuSignature Term 07

Important Notes: ManuSignature Term is the marketing name for ManuProtect Term with minimum Sum Insured of S$1 million and is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). Buying a life insurance policy is a long-term commitment. You should consider carefully before terminating the policy or converting to a new one, as there may be disadvantages in doing so. The new plan may cost more or have fewer benefits at the same cost. Buying health insurance products that are unsuitable may impact your ability to finance your future healthcare needs. This brochure is for general information only and does not have regard to your specific investment objectives, financial situation and any of your particular needs. You should seek advice from a financial adviser before making a commitment to purchase the plan. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this plan is suitable for you. This brochure is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan and the supplementary benefits. The specific details applicable to this insurance plan and the supplementary benefits are set out in the policy contract. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www. sdic.org.sg). This marketing material is also available in Chinese. In case of discrepancy between the English and Chinese versions, the English version shall prevail. Information is correct as at 28 November 2014. ManuSignature Term

About Manulife Manulife Group is a leading Canadian-based financial services group operating in 22 countries and territories worldwide. For more than 120 years, clients have looked to Manulife for strong, reliable, trustworthy and forward thinking solutions for their most significant financial decisions. Our international network of employees, financial planners and distribution partners offers retirement, financial protection and wealth management products and services to millions of clients. We provide asset management services to institutional customers worldwide as well as reinsurance solutions, specialising in property and casualty retrocession. Manulife has operated in Asia since 1897, leading the way in providing financial security for millions of clients in the region through protection and wealth management products in 11 countries. Our strong and stable capital level enables us to sustain high credit ratings, finance new opportunities and most importantly maintain our commitment to our policyholders. Manulife trades as MFC on the TSX, NYSE and PSE, and under 945 on the SEHK. Manulife can be found on the Internet at www.manulife.com. Manulife (Singapore) Pte. Ltd., Reg No. 198002116D A Manulife Company Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore 189554 Tel: 6737 1221 Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street) Tel: 6833 8188 Website: www.manulife.com.sg Retirement Microsite: www.manuliferetirement.sg facebook.com/manulife.singapore