C. Egloria
C. Egloria
C. Egloria
How much you’ll invest (in PHP) How much you may get (in PHP)
Yearly investment1 Total investment2 Living benefit3 Death benefit
Basic plan 15,806 158,060 After 10 years: 150,851 700,000
Total investment 15,806 158,060 After 20 years: 298,554 700,000
At age 65: 1,349,917 1,349,917
Invest for a minimum of 10 years.2 Assuming your funds will grow by 8% a year.
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
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
• 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
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
Diseases of the Circulatory System Diseases of the Excretory System Forms of Disability
1. Myocardial Infarction 26. Kidney Failure 45. Paralysis
2. Coronary Artery Bypass Surgery 27. Medullary Cystic Disease 46. Blindness
3. Heart Valve Replacement 47. Loss of Limbs
4. Surgery to Aorta 48. Loss of Hearing
Diseases of the Muscular System
5. Cardiomyopathy 49. Loss of Speech
28. Muscular Dystrophy
6. Other Serious Coronary Artery Disease 50. Total and Permanent Disability
29. Progressive Bulbar Palsy
7. Primary Pulmonary Arterial Hypertension 51. Amputation due to Complication from
30. Progressive Muscular Atrophy Diabetes
8. Severe Infective Endocarditis
31. Hemolytic Streptococcal Gangrene
9. Eisenmenger’s Syndrome
Disease of the Respiratory System
Hematology-Related Disease 52. End-Stage Lung Disease
Diseases of the Nervous System
32. Aplastic Anemia
10. Stroke
11. Benign Brain Tumor Diseases of the Digestive System
12. Multiple Sclerosis Specific Diseases 53. Chronic Liver Disease
13. Amyotrophic Lateral Sclerosis 33. Cancer 54. Chronic Relapsing Pancreatitis
14. Parkinson's Disease 34. Major Organ Transplantation 55. Crohn's Disease
15. Poliomyelitis 35. Coma 56. Fulminant Hepatitis
16. Encephalitis 36. Terminal Illness 57. Severe Ulcerative Colitis
17. Alzheimer's Disease 37. Major Burns
18. Apallic Syndrome 38. Occupationally Acquired HIV
19. Brain Surgery 39. Necrotizing Fasciitis Collagen Diseases
20. Creutzfeldt-Jacob Disease (CJD) 40. Pheochromocytoma 58. Severe Rheumatoid Arthritis
21. Major Head Trauma 41. Elephantiasis 59. Systemic Lupus Erythematosus
22. Myasthenia Gravis 42. Loss of Independent Existence 60. Progressive Scleroderma
23. Progressive Supranuclear Palsy 43. Addison’s Disease
24. Bacterial Meningitis 44. HIV due to Blood Transfusion
25. Surgery for Idiopathic Scoliosis
*subject to the definitions in the policy contract
Page 3 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
• Your riders will end once the insured reaches the following ages:
Accidental Death Benefit Rider age 70
Enhanced Critical Illness Rider age 75
Page 4 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
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% 0%
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 Wealth Optimizer 2031 Fund 2.25% 0%
Peso Wealth Optimizer 2036 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% 50%
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.
Katerina Suarez
Senior Vice President and Chief Financial Officer Page 5 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
Important reminders
• 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 3.63 for each withdraw from funds paid by your top-ups.
thousand of amount at risk (or PHP 210.46 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
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK
Proposal designed for:
HORIZONS Insured: MS. CRISALLY EGLORIA
Owner: MS. CRISALLY EGLORIA
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 18 June, 2019 and that any changes will make this proposal invalid.
#OWNER_SIGNATURE #OWNER_SIGNDATE
CRISALLY EGLORIA 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
GENERAL,NEIL CHRISTIAN,OCHOCO (343966) Date
Financial Adviser
Rider premiums may included adjustments for extra risk we are covering.
Page 7 of 7
AED7M2195J2QGTW Your proposal was prepared on 19 May, 2019 and is valid until 18 June, 2019 Ver. Ph2019.3.61.001.0320
AF343966A2P6S1N4-01 This is valid only if all pages are included. UH210B - PACK