ManuDelight Annuity Plan

Important NoteManuDelight Annuity Plan is a long term participating life insurance plan underwritten by Manulife (International) Limited (“Manulife”). The content of this website does not contain the full terms of the policy, and the full terms can be found in the corresponding policy document(s). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as a licensed insurance agency of Manulife.

The product is an insurance product and is neither a bank deposit nor a bank saving plan.

Key Features

Flexibility to customize your retirement plan

Extra Income Protector for your added peace of mind

Terminal Bonus with realization option to lock in gains

Easy application process

Please see the product leaflet for detailsClick here to download

Important Notes

The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.

ManuDelight is a long-term participating life-insurance plan with a savings element. Part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold this product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
Risk from cashing in (surrender) early - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy, this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the surrender value Manulife projects.
Please refer to the product leaflet for details of product risks.

The Bank, being registered with the Insurance Authority as a licensed insurance agency, is appointed as an insurance agency of Manulife for the distribution of life insurance products in the Hong Kong Special Administrative Region.

The Bank distributes the product for Manulife and the product is a product of Manulife but not the Bank.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.

This webpage is only a reference. You should not base solely on this website to make decision on applying for the product. The risks disclosed above are not exhaustive and you should refer to the product leaflet, proposal and policy provision for the risk disclosures and exact terms and conditions and if in doubt, seek independent professional advice.

This webpage is only for use in Hong Kong Special Administrative Region.

ManuDelight Annuity Plan

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