CLICK TO DOWNLOAD THE BROCHURE
http://www.manulife.com.my/life/Documents/ManuLink%20Shield_Full_280115.pdf
Currently, in the market, generally Investment-Linked plan collects about 200% out of 600% of first 6 years premium for charges (i.e. Unallocated Premium)
Example:-
| BUA Premium Allocation | HLA's EverLife Plus | Prudential's PruMillion |
| Year 1 | 47% | 40% |
| Year 2 | 52% | 50% |
| Year 3 | 76% | 60% |
| Year 4 | 76% | 70% |
| Year 5 | 90% | 90% |
| Year 6 | 90% | 90% |
| Year 7 and onwards | 100% | 100% |
With MORE % allocated for investment from year 1, i.e. the Investment Funds can get significantly enhanced especially if the fund is really performing.
Since this is not a normal plan, the premium starts from RM3,600 per year instead of RM1,200 per year for most Investment-Linked policy. Apparently Manulife is not keen to capture 'tiny' cases.
Contact ExCellentte@ChongKongHui.com for more information or a quotation.
Excellentte Consultancy Sdn Bhd is licensed by Bank Negara as Financial Adviser.
