Manulife Peso Affluence Builder ACHIEVE is a minimum 5-Pay*** variable life insurance product that allows you to enjoy

the
rewards from investing in any or a combination of professionally-managed investment accounts, while providing you with insurance
protection.
KEY FEATURES
> Determine the desired amount of premium to help you achieve your financial objectives.
You decide on your annual basic premium from a minimum amount of PhP 50,000.
> Choose the investment account that suits your risk profile. You may choose to invest your
premiums partly or entirely, subject to allowable fund allocations, in any of several funds.
You can even later on switch from one fund to another, subject to the applicable rules on fund
switching.
• Peso Secure Fund. Designed to achieve stable and long-term growth by investing in
government securities, high-quality corporate debt securities and/or in pooled fund/s that
invest in these securities and other liquid fixed income instruments.
• Peso Diversified Value Fund. Designed to achieve a stable and long-term growth by
investing in government securities, high-quality 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. Designed to achieve long-term capital growth by
investing in diversified portfolios of 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 Growth Fund. Designed to achieve long-term capital appreciation by investing in
stocks listed on the Philippine Stock Exchange, government securities and/or pooled fund/s
that invest in these securities and other liquid instruments.
• Peso Cash Fund. Aims to deliver returns with low volatility through investments in cash-
like instruments (strictly available for fund switching only).
> Provide yourself with the protection you need. Your beneficiaries shall receive the higher
of the policy's Face Amount or your Account Value plus annual basic premium, adjusted by
all partial withdrawals and Top-Ups made subject to the minimum death benefit.*
> Enjoy more financial protection coverage thru the built-in protection features. A
percentage of your Death Benefit is given in advance should you become totally and
permanently disabled. In case of death due to accident, your loved ones will receive an
additional benefit to financially help them recover from your untimely loss.
> Increase your investment if you wish or simply take advantage of optimistic market
trends. Build up your investment through additional premiums ("top-ups") anytime.
> Withdraw from your account if needed. You may withdraw anytime for any reason, subject
to applicable surrender charges, minimum withdrawal amount, and minimum remaining fund
balance.
> Enjoy the reward of keeping your investment with Manulife. Loyalty Bonus equal to 2%
of your average fund balance is automatically added to your Account Value starting at the end
of the 5th year and every 4 years thereafter, subject to certain conditions. **
> Check on your investment regularly. The unitized feature of our funds allows you to
monitor your investment by checking our unit prices daily at www.manulife.com.ph or every
Thursday in major Philippine broadsheet newspaper.

* The minimum death benefit as prescribed by law is 500% of Regular Basic Premium plus 125% of Top-ups less 125% of withdrawals.
** Loyalty Bonus is not guaranteed and excludes funds from Top-Ups.
*** Premium payment period of minimum 5 years is not guaranteed. You may still be required to pay additional premium after 5 years if the Account Value is insufficient
to pay the charges.

The Manufacturers Life Insurance Company opened its doors for business in the Philippines in 1907. Since then, Manulife's Philippine Branch and later The
Manufacturers Life Insurance Co. (Phils.), Inc. (Manulife Philippines) has grown to become one of the leading life insurance companies in the country. Manulife
Philippines is a wholly-owned domestic subsidiary of Manulife Financial Corporation, among the world's largest life insurance companies by market capitalization (as
of April 30, 2013).
Manulife Financial is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for
strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and
distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to
institutional customers. Funds under management by Manulife Financial and its subsidiaries were C$555 billion (US$547 billion) as at March 31, 2013. The Company
operates as Manulife Financial in Canada and Asia and primarily as John Hancock in the United States.
Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife Financial can be found on the Internet at
manulife.com.

Page 1 of 11
Ver. Ph2013.3.27.006.0627 This proposal prepared on 10 September, 2013 is valid until 10 October, 2013 A66YJ2139A2ZVKC-UL205
AD324235ASAFRC8C-02
 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C LIFE INSURED
Thank you for considering Peso Affluence Builder ACHIEVE, a minimum 5-Pay*** variable life insurance product that Name CORDOVA FORTUNE
gives you both living and death benefits. Your living benefit is the Account Value of your policy. The death benefit on the MAE,C
life insured is the higher of the policy's Face Amount or your Account Value plus annual basic premium adjusted by all Issue Age 26
partial withdrawals and Top-Ups made, subject to the minimum death benefit. * Optional rider benefits are also available. Sex FEMALE
As your policy is a variable contract, the Account Value may increase or decrease in accordance with the investment FACE AMOUNT 300,000
experience of the separate investment funds** that your policy is linked to.
Rider Face Amount
AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ADB 100% of Face Amount^
ALL THE INVESTMENT RISKS UNDER THIS POLICY. Accelerated TPD 50% of Death Benefit^
Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield TOTAL BASIC PREMIUM
include changes in the credit standing of the issuers and changes in the value of the stocks and dividends received. Further,
investments of the Funds may provide that their values be determined based on prices or yields of other securities, Annual PHP 50,000.00
instruments or foreign currencies, and such provisions may result in negative fluctuations in the value of these investments Semi-Annual 25,000.00
and, in turn, the Funds' yields. Thus, the performance of the separate account(s) is not guaranteed and the value of the policy Quarterly 12,500.00
could be less than the capital invested subject to any specified minimum guarantees. THE VARIABLE LIFE Monthly 4,166.67
POLICYHOLDER SHALL BEAR ALL INVESTMENT RISKS. Past performance of the Funds is not necessarily indicative
of future performance. Yields are not guaranteed. Yields indicated are exclusive of charges associated with the variable life NOTE: The cost of insurance charge for the riders are deducted
policy. from the Account Value.
^Face Amount and Death Benefit reflect any adjustments due to
YOUR FUND ALLOCATION any top-up premiums and/or partial withdrawals subject to
Peso Secure Fund 25% company coverage limits.
Peso Diversified Value Fund 25%
Peso Growth Fund 0%
Peso Dynamic Allocation Fund 50%
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED.
Basic TOTAL ACCOUNT VALUE FULL WITHDRAWAL VALUE TOTAL DEATH BENEFIT
Yr Age Premiums Paid Low Medium High Low Medium High Low Medium High
1 27 50,000 29,068 30,226 30,805 2,907 3,023 3,080 300,000 300,000 300,000
2 28 50,000 64,630 68,410 70,336 12,926 13,682 14,067 300,000 300,000 300,000
3 29 50,000 106,977 115,229 119,508 26,744 28,807 29,877 300,000 300,000 300,000
4 30 50,000 156,406 171,407 179,325 156,406 171,407 179,325 300,000 300,000 300,000
5 31 50,000 215,901 240,606 253,876 215,901 240,606 253,876 300,000 300,000 303,876
6 32 0 223,092 258,505 277,915 223,092 258,505 277,915 300,000 308,505 327,915
7 33 0 230,606 277,853 304,360 230,606 277,853 304,360 300,000 327,853 354,360
8 34 0 238,453 298,747 333,448 238,453 298,747 333,448 300,000 348,747 383,448
9 35 0 251,269 326,904 371,589 251,269 326,904 371,589 301,269 376,904 421,589
10 36 0 260,005 351,715 407,392 260,005 351,715 407,392 310,005 401,715 457,392
11 37 0 269,086 378,506 446,771 269,086 378,506 446,771 319,086 428,506 496,771
12 38 0 278,523 407,431 490,080 278,523 407,431 490,080 328,523 457,431 540,080
13 39 0 293,719 446,281 546,730 293,719 446,281 546,730 343,719 496,281 596,730
14 40 0 304,119 480,607 600,012 304,119 480,607 600,012 354,119 530,607 650,012
15 41 0 314,919 517,662 658,607 314,919 517,662 658,607 364,919 567,662 708,607
16 42 0 326,135 557,666 723,043 326,135 557,666 723,043 376,135 607,666 773,043
17 43 0 344,094 611,275 807,206 344,094 611,275 807,206 394,094 661,275 857,206
18 44 0 356,437 658,726 886,461 356,437 658,726 886,461 406,437 708,726 936,461
19 45 0 369,248 709,948 973,616 369,248 709,948 973,616 419,248 759,948 1,023,616
20 46 0 382,546 765,241 1,069,460 382,546 765,241 1,069,460 432,546 815,241 1,119,460
29 55 0 557,236 1,588,745 2,626,521 557,236 1,588,745 2,626,521 607,236 1,638,745 2,676,521
34 60 0 677,939 2,360,832 4,286,107 677,939 2,360,832 4,286,107 727,939 2,410,832 4,336,107
39 65 0 823,290 3,510,253 6,998,681 823,290 3,510,253 6,998,681 873,290 3,560,253 7,048,681
* The Minimum Death Benefit as prescribed by law is computed as 500% of the regular basic premium plus 125% of all Top-Ups less 125% of
withdrawals.
** The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.
*** Premium payment period of 5 years is not guaranteed. You may still be required to pay additional premium after 5 years if the Account Value is
insufficient to pay the charges.
The Low, Medium and High values are calculated assuming fund earning rates of 4.00%, 8.00% and 10.00%, respectively, net of Fund Charges. These
rates are used merely to illustrate and do not represent actual year-on-year performance. These scenarios DO NOT represent lower and upper limit of
fund crediting levels. The values shown are not guaranteed and depend on the actual performance of the Fund.
When the Total Account Value is zero, the Account Value will be insufficient to cover the monthly charges including cost of insurance charge for the
riders. To provide you with continued insurance coverage, we shall create a policy debt corresponding to the monthly charges including cost of
insurance charges for the riders while there is no Account Value, provided that premiums are paid on time and there are no fund withdrawals. This
policy debt, accumulated in your account without interest, is extinguished if, and as, the Account Value grows. The policy will not be terminated on
account of an outstanding policy debt within the first year, provided that premiums are paid on time and there are no withdrawals from your account.
Any policy debt shall be deducted from the Total Death Benefit payable.
If, after buying the policy, you decide it is not suitable for your needs, simply return the Policy Contract to Manulife within fifteen (15) days
from the date you received it. We will refund to you the applicable Premium Load and Account Value of your policy.
Please refer to Important Illustration Notes for more information.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

Page 2 of 11
Ver. Ph2013.3.27.006.0627 This proposal prepared on 10 September, 2013 is valid until 10 October, 2013 A66YJ2139A2ZVKC-UL205
AD324235ASAFRC8C-02
 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C LIFE INSURED
Thank you for considering Peso Affluence Builder ACHIEVE, a minimum 5-Pay*** variable life insurance product that Name CORDOVA FORTUNE
gives you both living and death benefits. Your living benefit is the Account Value of your policy. The death benefit on the MAE,C
life insured is the higher of the policy's Face Amount or your Account Value plus annual basic premium adjusted by all Issue Age 26
partial withdrawals and Top-Ups made, subject to the minimum death benefit. * Optional rider benefits are also available. Sex FEMALE
As your policy is a variable contract, the Account Value may increase or decrease in accordance with the investment FACE AMOUNT 300,000
experience of the separate investment funds** that your policy is linked to.
Rider Face Amount
AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ADB 100% of Face Amount^
ALL THE INVESTMENT RISKS UNDER THIS POLICY. Accelerated TPD 50% of Death Benefit^
Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield TOTAL BASIC PREMIUM
include changes in the credit standing of the issuers and changes in the value of the stocks and dividends received. Further,
investments of the Funds may provide that their values be determined based on prices or yields of other securities, Annual PHP 50,000.00
instruments or foreign currencies, and such provisions may result in negative fluctuations in the value of these investments Semi-Annual 25,000.00
and, in turn, the Funds' yields. Thus, the performance of the separate account(s) is not guaranteed and the value of the policy Quarterly 12,500.00
could be less than the capital invested subject to any specified minimum guarantees. THE VARIABLE LIFE Monthly 4,166.67
POLICYHOLDER SHALL BEAR ALL INVESTMENT RISKS. Past performance of the Funds is not necessarily indicative
of future performance. Yields are not guaranteed. Yields indicated are exclusive of charges associated with the variable life NOTE: The cost of insurance charge for the riders are deducted
policy. from the Account Value.
^Face Amount and Death Benefit reflect any adjustments due to
YOUR FUND ALLOCATION any top-up premiums and/or partial withdrawals subject to
Peso Secure Fund 25% company coverage limits.
Peso Diversified Value Fund 25%
Peso Growth Fund 0%
Peso Dynamic Allocation Fund 50%
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED.
Basic TOTAL ACCOUNT VALUE FULL WITHDRAWAL VALUE TOTAL DEATH BENEFIT
Yr Age Premiums Paid Low Medium High Low Medium High Low Medium High
21 47 0 403,751 839,227 1,194,524 403,751 839,227 1,194,524 453,751 889,227 1,244,524
22 48 0 418,369 904,802 1,312,397 418,369 904,802 1,312,397 468,369 954,802 1,362,397
23 49 0 433,537 975,587 1,442,021 433,537 975,587 1,442,021 483,537 1,025,587 1,492,021
24 50 0 449,274 1,051,996 1,584,569 449,274 1,051,996 1,584,569 499,274 1,101,996 1,634,569
25 51 0 474,286 1,154,119 1,770,451 474,286 1,154,119 1,770,451 524,286 1,204,119 1,820,451
26 52 0 491,522 1,244,677 1,945,707 491,522 1,244,677 1,945,707 541,522 1,294,677 1,995,707
27 53 0 509,383 1,342,414 2,138,422 509,383 1,342,414 2,138,422 559,383 1,392,414 2,188,422
28 54 0 527,881 1,447,891 2,350,328 527,881 1,447,891 2,350,328 577,881 1,497,891 2,400,328
29 55 0 557,236 1,588,745 2,626,521 557,236 1,588,745 2,626,521 607,236 1,638,745 2,676,521
30 56 0 577,444 1,713,721 2,887,028 577,444 1,713,721 2,887,028 627,444 1,763,721 2,937,028
31 57 0 598,335 1,848,566 3,173,455 598,335 1,848,566 3,173,455 648,335 1,898,566 3,223,455
32 58 0 619,954 1,994,089 3,488,414 619,954 1,994,089 3,488,414 669,954 2,044,089 3,538,414
33 59 0 654,317 2,188,367 3,898,852 654,317 2,188,367 3,898,852 704,317 2,238,367 3,948,852
34 60 0 677,939 2,360,832 4,286,107 677,939 2,360,832 4,286,107 727,939 2,410,832 4,336,107
35 61 0 702,372 2,546,958 4,711,949 702,372 2,546,958 4,711,949 752,372 2,596,958 4,761,949
36 62 0 727,620 2,747,808 5,180,209 727,620 2,747,808 5,180,209 777,620 2,797,808 5,230,209
37 63 0 767,753 3,015,817 5,790,264 767,753 3,015,817 5,790,264 817,753 3,065,817 5,840,264
38 64 0 795,145 3,253,694 6,365,869 795,145 3,253,694 6,365,869 845,145 3,303,694 6,415,869
39 65 0 823,290 3,510,253 6,998,681 823,290 3,510,253 6,998,681 873,290 3,560,253 7,048,681
40 66 0 853,967 3,788,772 7,696,224 853,967 3,788,772 7,696,224 903,967 3,838,772 7,746,224
* The Minimum Death Benefit as prescribed by law is computed as 500% of the regular basic premium plus 125% of all Top-Ups less 125% of
withdrawals.
** The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.
*** Premium payment period of 5 years is not guaranteed. You may still be required to pay additional premium after 5 years if the Account Value is
insufficient to pay the charges.
The Low, Medium and High values are calculated assuming fund earning rates of 4.00%, 8.00% and 10.00%, respectively, net of Fund Charges. These
rates are used merely to illustrate and do not represent actual year-on-year performance. These scenarios DO NOT represent lower and upper limit of
fund crediting levels. The values shown are not guaranteed and depend on the actual performance of the Fund.
When the Total Account Value is zero, the Account Value will be insufficient to cover the monthly charges including cost of insurance charge for the
riders. To provide you with continued insurance coverage, we shall create a policy debt corresponding to the monthly charges including cost of
insurance charges for the riders while there is no Account Value, provided that premiums are paid on time and there are no fund withdrawals. This
policy debt, accumulated in your account without interest, is extinguished if, and as, the Account Value grows. The policy will not be terminated on
account of an outstanding policy debt within the first year, provided that premiums are paid on time and there are no withdrawals from your account.
Any policy debt shall be deducted from the Total Death Benefit payable.
If, after buying the policy, you decide it is not suitable for your needs, simply return the Policy Contract to Manulife within fifteen (15) days
from the date you received it. We will refund to you the applicable Premium Load and Account Value of your policy.
Please refer to Important Illustration Notes for more information.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

Page 3 of 11
Ver. Ph2013.3.27.006.0627 This proposal prepared on 10 September, 2013 is valid until 10 October, 2013 A66YJ2139A2ZVKC-UL205
AD324235ASAFRC8C-02
 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C LIFE INSURED
Thank you for considering Peso Affluence Builder ACHIEVE, a minimum 5-Pay*** variable life insurance product that Name CORDOVA FORTUNE
gives you both living and death benefits. Your living benefit is the Account Value of your policy. The death benefit on the MAE,C
life insured is the higher of the policy's Face Amount or your Account Value plus annual basic premium adjusted by all Issue Age 26
partial withdrawals and Top-Ups made, subject to the minimum death benefit. * Optional rider benefits are also available. Sex FEMALE
As your policy is a variable contract, the Account Value may increase or decrease in accordance with the investment FACE AMOUNT 300,000
experience of the separate investment funds** that your policy is linked to.
Rider Face Amount
AS THE POLICYOWNER, YOU SHALL SOLELY BEAR ADB 100% of Face Amount^
ALL THE INVESTMENT RISKS UNDER THIS POLICY. Accelerated TPD 50% of Death Benefit^
Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield TOTAL BASIC PREMIUM
include changes in the credit standing of the issuers and changes in the value of the stocks and dividends received. Further,
investments of the Funds may provide that their values be determined based on prices or yields of other securities, Annual PHP 50,000.00
instruments or foreign currencies, and such provisions may result in negative fluctuations in the value of these investments Semi-Annual 25,000.00
and, in turn, the Funds' yields. Thus, the performance of the separate account(s) is not guaranteed and the value of the policy Quarterly 12,500.00
could be less than the capital invested subject to any specified minimum guarantees. THE VARIABLE LIFE Monthly 4,166.67
POLICYHOLDER SHALL BEAR ALL INVESTMENT RISKS. Past performance of the Funds is not necessarily indicative
of future performance. Yields are not guaranteed. Yields indicated are exclusive of charges associated with the variable life NOTE: The cost of insurance charge for the riders are deducted
policy. from the Account Value.
^Face Amount and Death Benefit reflect any adjustments due to
YOUR FUND ALLOCATION any top-up premiums and/or partial withdrawals subject to
Peso Secure Fund 25% company coverage limits.
Peso Diversified Value Fund 25%
Peso Growth Fund 0%
Peso Dynamic Allocation Fund 50%
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED.
Basic TOTAL ACCOUNT VALUE FULL WITHDRAWAL VALUE TOTAL DEATH BENEFIT
Yr Age Premiums Paid Low Medium High Low Medium High Low Medium High
41 67 0 902,282 4,160,178 8,604,800 902,282 4,160,178 8,604,800 952,282 4,210,178 8,654,800
42 68 0 935,894 4,490,461 9,462,723 935,894 4,490,461 9,462,723 985,894 4,540,461 9,512,723
43 69 0 970,720 4,847,034 10,406,305 970,720 4,847,034 10,406,305 1,020,720 4,897,034 10,456,305
44 70 0 1,006,794 5,231,985 11,444,095 1,006,794 5,231,985 11,444,095 1,056,794 5,281,985 11,494,095
45 71 0 1,064,339 5,745,940 12,796,463 1,064,339 5,745,940 12,796,463 1,114,339 5,795,940 12,846,463
46 72 0 1,104,584 6,203,238 14,073,707 1,104,584 6,203,238 14,073,707 1,154,584 6,253,238 14,123,707
47 73 0 1,146,277 6,696,955 15,478,511 1,146,277 6,696,955 15,478,511 1,196,277 6,746,955 15,528,511
48 74 0 1,189,456 7,229,983 17,023,606 1,189,456 7,229,983 17,023,606 1,239,456 7,279,983 17,073,606
49 75 0 1,257,134 7,940,334 19,035,675 1,257,134 7,940,334 19,035,675 1,307,134 7,990,334 19,085,675
50 76 0 1,304,305 8,572,381 20,936,031 1,304,305 8,572,381 20,936,031 1,354,305 8,622,381 20,986,031
51 77 0 1,353,099 9,254,723 23,026,151 1,353,099 9,254,723 23,026,151 1,403,099 9,304,723 23,076,151
52 78 0 1,403,549 9,991,351 25,324,977 1,403,549 9,991,351 25,324,977 1,453,549 10,041,351 25,374,977
53 79 0 1,482,811 10,972,983 28,318,493 1,482,811 10,972,983 28,318,493 1,532,811 11,022,983 28,368,493
54 80 0 1,537,743 11,846,350 31,145,826 1,537,743 11,846,350 31,145,826 1,587,743 11,896,350 31,195,826
55 81 0 1,594,439 12,789,143 34,255,444 1,594,439 12,789,143 34,255,444 1,644,439 12,839,143 34,305,444
56 82 0 1,652,898 13,806,845 37,675,504 1,652,898 13,806,845 37,675,504 1,702,898 13,856,845 37,725,504
57 83 0 1,745,066 15,162,965 42,128,952 1,745,066 15,162,965 42,128,952 1,795,066 15,212,965 42,178,952
58 84 0 1,808,280 16,369,275 46,335,053 1,808,280 16,369,275 46,335,053 1,858,280 16,419,275 46,385,053
59 85 0 1,873,231 17,671,284 50,960,948 1,873,231 17,671,284 50,960,948 1,923,231 17,721,284 51,010,948
60 86 0 1,939,870 19,076,523 56,048,494 1,939,870 19,076,523 56,048,494 1,989,870 19,126,523 56,098,494
* The Minimum Death Benefit as prescribed by law is computed as 500% of the regular basic premium plus 125% of all Top-Ups less 125% of
withdrawals.
** The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered mutual funds.
*** Premium payment period of 5 years is not guaranteed. You may still be required to pay additional premium after 5 years if the Account Value is
insufficient to pay the charges.
The Low, Medium and High values are calculated assuming fund earning rates of 4.00%, 8.00% and 10.00%, respectively, net of Fund Charges. These
rates are used merely to illustrate and do not represent actual year-on-year performance. These scenarios DO NOT represent lower and upper limit of
fund crediting levels. The values shown are not guaranteed and depend on the actual performance of the Fund.
When the Total Account Value is zero, the Account Value will be insufficient to cover the monthly charges including cost of insurance charge for the
riders. To provide you with continued insurance coverage, we shall create a policy debt corresponding to the monthly charges including cost of
insurance charges for the riders while there is no Account Value, provided that premiums are paid on time and there are no fund withdrawals. This
policy debt, accumulated in your account without interest, is extinguished if, and as, the Account Value grows. The policy will not be terminated on
account of an outstanding policy debt within the first year, provided that premiums are paid on time and there are no withdrawals from your account.
Any policy debt shall be deducted from the Total Death Benefit payable.
If, after buying the policy, you decide it is not suitable for your needs, simply return the Policy Contract to Manulife within fifteen (15) days
from the date you received it. We will refund to you the applicable Premium Load and Account Value of your policy.
Please refer to Important Illustration Notes for more information.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

Page 4 of 11
Ver. Ph2013.3.27.006.0627 This proposal prepared on 10 September, 2013 is valid until 10 October, 2013 A66YJ2139A2ZVKC-UL205
AD324235ASAFRC8C-02
Peso Secure Fund
Investment Objective. The Peso Secure Fund is designed to
achieve stable and long-term growth by investing in
government securities, high-quality corporate debt securities
and/or in pooled fund/s that invest in these securities and
other liquid fixed income instruments.
Peso Diversified Value Fund
Investment Objective. The Peso Diversified Value Fund is
designed to achieve a stable and long-term capital growth by
investing in government securities, high-quality 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
Investment Objective. The Peso Dynamic Allocation Fund
is designed to achieve long-term capital growth by investing
in diversified portfolios of local currency-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.
Fund Allocation Rate : 25%
Investment Policy. The Fund may invest in the following local currency-denominated securities: (a)
securities issued by the Republic of the Philippines and government-owned or controlled entities
including the Bangko Sentral ng Pilipinas (BSP); (b) securities issued by financially sound companies as
may be approved by the Insurance Commission; (c) pooled fund/s that invest in securities issued by
financially sound companies, by the Republic of the Philippines and/or government-owned or controlled
entities including the BSP and in other liquid fixed income instruments such as term deposits.
Fund Allocation Rate : 25%
Investment Policy. The Fund may invest in the following local currency-denominated securities: (a)
securities issued by the Republic of the Philippines and government-owned or controlled entities
including the Bangko Sentral ng Pilipinas (BSP); (b) securities issued by financially sound companies;
(c) stocks listed on the Philippine Stock Exchange; (d) pooled fund/s that invest in stocks listed on the
Philippine Stock Exchange, securities issued by the Republic of the Philippines and by financially sound
companies, and other liquid instruments such as term deposits.
Fund Allocation Rate : 50%
Investment Policy. The Fund may invest in the following: (a) securities issued by the Republic of the
Philippines (ROP) and government owned or controlled entities including the Bangko Sentral ng
Pilipinas (BSP); (b) securities issued by financially sound companies; (c) securities listed on the
Philippine Stock Exchange (PSE); (d) pooled fund/s that invest in securities listed on the PSE, in
securities issued by financially sound companies and by the ROP and/or government owned or
controlled entities including the BSP and in other liquid fixed income instruments such as term deposits.

Notes. Sales Illustration is based on the following charges:

Premium Charges of 40% on the first policy year, 30% on the second year, 20% on the third year and 10% on the fourth year are deducted from the
Basic Premium received. Top-Up Premiums shall also be subjected to a 4% premium charge.
Management Fee will be charged per year to cover the cost of managing the assets:
a) Peso Secure Fund - 1.75% c) Peso Growth Fund - 2.25%
b) Peso Diversified Value Fund - 2.00% d) Peso Dynamic Allocation Fund - 2.25%
Monthly Deductions will be deducted from the Account Value at Unit Price. The illustration is based on annual mode and standard risk class. Actual
deductions from the Fund shall be made monthly. The monthly deductions consist of the following:
a) Policy Fee
Policy Fee of PHP 66.67 per month.
b) Cost of Insurance (COI)
COI which starts at standard annual rate of 2.33 per thousand of amount at risk or PHP 52.38 per month and increases with age but will not
exceed a monthly charge of 83.33 per thousand of amount at risk.
c) Payment for Rider Coverage
Payment for rider coverage will be deducted against the Account Value, at the same time as the COI for the base coverage. Rider COI rate is
based on the insured's attained age. The total rider COI starts at PHP 54.73 and increases with age.
The company reserves the right to change the charges upon approval of the Insurance Commission and by giving the Owner at least three (3)
months notice.
Important Illustration Notes:
• All payments and benefits shown are in Philippine Pesos.
• The illustration assumes that the Total Basic Premiums are paid in full, Top-Up Premiums and Partial Withdrawals, if any, are at the beginning of
the policy year. Top-Up Premiums are allowed provided no premiums are deferred.
• A non-guaranteed Loyalty Bonus at the end of the 5th year and every 4 years thereafter is included in the illustration, if eligible. For more details,
please refer to the Loyalty Bonus Illustration.
• Full Withdrawal Values illustrated are net of all charges outlined in the Fund Page(s) of this illustration, and surrender charges applicable to the
first 3 years of the policy. The surrender charges, expressed as a percentage of the amount withdrawn or surrendered and charged for every partial
and full withdrawal made, are as follows: 90% on the first policy year, 80% on the second policy year, and 75% on the third policy year.
• This illustration shall form part of the insurance contract once the policy is issued. The precise terms and conditions of this plan are specified in
your policy contract. Please refer to your policy contract for full details.
• We have tried our best to ensure the accuracy of this illustration; however, errors and omissions may still have occurred in its preparation.
By signing below, you signify that you have read and understood the disclosures in the illustrations; that your Financial Adviser has explained to
your satisfaction the principal features of the policy, the manner in which the variable benefits will reflect the investment experience of the
separate investment fund(s), and the guarantees on minimum death benefit and maximum charges; that you fully understand that when buying this
policy, you are assuming all investment risks associated with it.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

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 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C
Loyalty Bonus Illustration

If you keep your policy with Manulife, a Loyalty Bonus of 2% of your average Account Value for the past 48 months will be added to
your policy starting at the end of the 5th year and every 4 years thereafter. The Loyalty Bonus is non-guaranteed and will depend on
the actual performance of the funds.
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED
LOYALTY BONUS
Yr Age Basic Premiums Paid Top-Up Premium Partial Withdrawal
Low Medium High
1 27 50,000 0 0 0 0 0
2 28 50,000 0 0 0 0 0
3 29 50,000 0 0 0 0 0
4 30 50,000 0 0 0 0 0
5 31 50,000 0 0 2,674 2,877 2,983
6 32 0 0 0 0 0 0
7 33 0 0 0 0 0 0
8 34 0 0 0 0 0 0
9 35 0 0 0 4,623 5,595 6,146
10 36 0 0 0 0 0 0
11 37 0 0 0 0 0 0
12 38 0 0 0 0 0 0
13 39 0 0 0 5,394 7,622 9,023
14 40 0 0 0 0 0 0
15 41 0 0 0 0 0 0
16 42 0 0 0 0 0 0
17 43 0 0 0 6,313 10,425 13,302
18 44 0 0 0 0 0 0
19 45 0 0 0 0 0 0
20 46 0 0 0 0 0 0
29 55 0 0 0 10,211 27,036 43,194
34 60 0 0 0 0 0 0
39 65 0 0 0 0 0 0
The payment of the Loyalty Bonus is contingent on the fulfilment of the following conditions:
1. Premiums are paid for 5 years;
2. All withdrawals made do not exceed all Top-Up premiums paid;
3. All regular premiums in arrears are paid when policy resumes premium payment;
4. All regular premiums in arrears are paid when policy is reinstated.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

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 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C
Loyalty Bonus Illustration

If you keep your policy with Manulife, a Loyalty Bonus of 2% of your average Account Value for the past 48 months will be added to
your policy starting at the end of the 5th year and every 4 years thereafter. The Loyalty Bonus is non-guaranteed and will depend on
the actual performance of the funds.
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED
LOYALTY BONUS
Yr Age Basic Premiums Paid Top-Up Premium Partial Withdrawal
Low Medium High
21 47 0 0 0 7,402 14,298 19,665
22 48 0 0 0 0 0 0
23 49 0 0 0 0 0 0
24 50 0 0 0 0 0 0
25 51 0 0 0 8,691 19,648 29,127
26 52 0 0 0 0 0 0
27 53 0 0 0 0 0 0
28 54 0 0 0 0 0 0
29 55 0 0 0 10,211 27,036 43,194
30 56 0 0 0 0 0 0
31 57 0 0 0 0 0 0
32 58 0 0 0 0 0 0
33 59 0 0 0 11,994 37,231 64,102
34 60 0 0 0 0 0 0
35 61 0 0 0 0 0 0
36 62 0 0 0 0 0 0
37 63 0 0 0 14,079 51,297 95,180
38 64 0 0 0 0 0 0
39 65 0 0 0 0 0 0
40 66 0 0 0 0 0 0
The payment of the Loyalty Bonus is contingent on the fulfilment of the following conditions:
1. Premiums are paid for 5 years;
2. All withdrawals made do not exceed all Top-Up premiums paid;
3. All regular premiums in arrears are paid when policy resumes premium payment;
4. All regular premiums in arrears are paid when policy is reinstated.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

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 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C
Loyalty Bonus Illustration

If you keep your policy with Manulife, a Loyalty Bonus of 2% of your average Account Value for the past 48 months will be added to
your policy starting at the end of the 5th year and every 4 years thereafter. The Loyalty Bonus is non-guaranteed and will depend on
the actual performance of the funds.
THE RESULTS SHOWN MERELY ILLUSTRATE SCENARIOS AND ARE NOT GUARANTEED
LOYALTY BONUS
Yr Age Basic Premiums Paid Top-Up Premium Partial Withdrawal
Low Medium High
41 67 0 0 0 16,518 70,716 141,390
42 68 0 0 0 0 0 0
43 69 0 0 0 0 0 0
44 70 0 0 0 0 0 0
45 71 0 0 0 19,462 97,631 210,216
46 72 0 0 0 0 0 0
47 73 0 0 0 0 0 0
48 74 0 0 0 0 0 0
49 75 0 0 0 22,980 134,893 312,679
50 76 0 0 0 0 0 0
51 77 0 0 0 0 0 0
52 78 0 0 0 0 0 0
53 79 0 0 0 27,125 186,412 465,148
54 80 0 0 0 0 0 0
55 81 0 0 0 0 0 0
56 82 0 0 0 0 0 0
57 83 0 0 0 31,959 257,602 691,988
58 84 0 0 0 0 0 0
59 85 0 0 0 0 0 0
60 86 0 0 0 0 0 0
The payment of the Loyalty Bonus is contingent on the fulfilment of the following conditions:
1. Premiums are paid for 5 years;
2. All withdrawals made do not exceed all Top-Up premiums paid;
3. All regular premiums in arrears are paid when policy resumes premium payment;
4. All regular premiums in arrears are paid when policy is reinstated.

CORDOVA FORTUNE MAE,C ALVARADO II,MOISES,PONCE (324235)

POLICYOWNER FINANCIAL ADVISER

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 (DB2: Level Face Death Benefit 6x Peso)
Sales Illustration Specially Designed For CORDOVA FORTUNE MAE,C
Supplementary Benefits

Riders Coverage/ Benefit Annual Premium

Accidental Death Benefit (ADB) 100% of Face Amount^ *
Provides additional coverage if death occurs through accidental
means.

Accelerated TPD (ATPD) 50% of Death Benefit^ *

A percentage of your Death Benefit is given in advance should
you become totally and permanently disabled.

*The cost of insurance charge for the riders are deducted from the Account Value.
^Face Amount and Death Benefit reflect any adjustments due to any top-up premiums and/or partial withdrawals.

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 Affluence Builder Achieve
HISTORICAL INVESTMENT FUND PERFORMANCE

Absolute Returns (Not Annualized)

Peso Peso Secure Peso Growth Peso Dynamic Peso Cash USD Secure US Dollar US Dollar
Diversified Fund Fund Allocation Fund Fund Asia Pacific ASEAN
Value Fund Fund Bond Fund Growth Fund
First Launch April 14, 2009 April 14, 2009 April 14, 2009 July 1, 2013 March 8, 2013 April 14, 2009 October 24, November 26,
Date 2011 2012

2009* 8.70% 0.90% 33.80% N.A. N.A. 11.50% N.A. N.A.

2010 18.03% 12.69% 39.39% N.A. N.A. 9.87% N.A. N.A.
2011 9.51% 13.19% 2.47% N.A. N.A. 8.98% N.A. N.A.
2012 12.17% 7.38% 36.26% N.A. N.A. 15.28% 8.48% N.A.

Since 57.60% 38.20% 160.40% N.A. N.A. 53.90% 7.50% N.A.

Inception
* From April 14, 2009 to December 31, 2009

The Investment Funds ("Funds") mentioned in this document are specific to variable life insurance contracts and are not considered
mutual funds.
Yields depend on interest and foreign exchange rate levels, both of which may fluctuate. Other factors that affect yield include changes
in the credit standing of the issuers and changes in the value of the stocks and dividends received. Further, investments of the Funds
may provide that their values be determined based on prices or yields of other securities, instruments or foreign currencies, and such
provisions may result in negative fluctuations in the value of these instruments and, in turn, the Funds' yields. Thus, the performance of
the separate account(s) is not guaranteed and the value of the policy could be less than the capital invested subject to any specified
minimum guarantees.
The Variable Life policy holder shall bear all investment risks.
Past performance of the Funds is not necessarily indicative of future performance. Yields are not guaranteed. Yields indicated are after
final tax and are exclusive of charges associated with the variable life policy.
The Unit Price of a particular Fund is computed by dividing the Net Asset Value of the Fund by the number of outstanding units of the
Fund on the Valuation Date.
Unit Prices of the Funds are published weekly in major newspapers.

Certified true and Correct:

David N. Banks
Senior Vice President & Chief Finance Officer

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 VARIABLE LIFE INSURANCE PLAN
ACKNOWLEDGEMENT OF VARIABILITY

Applicant : CORDOVA FORTUNE MAE,C

Application No :
Financial Adviser's Name : ALVARADO II,MOISES,PONCE Code No : 324235 Unit :

I acknowledge that:
I have applied with The Manufacturers Life Insurance Co. (Phils.), Inc. for a Variable Life Insurance Policy, and have reviewed the
illustration(s) that shows how a variable life insurance policy performs using the company's assumptions and based on Insurance
Commission's guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual
performance at that given period and that the value of my policy could be less than the capital invested. The unit values of my Variable
Life Insurance are periodically published.
I understand that the recommended minimum payment period of 5 years may not be sufficient to keep my policy in-force and that to
keep my policy from termination, I may be required to put in additional top-up premiums when the Account Value becomes
insufficient to cover the policy charges.
I understand that payment for rider coverage will be deducted from the Account Value. If the Account Value is not sufficient to pay for
all the charges including the cost of insurance for the riders, then the riders will be automatically deleted.
I understand that the investment risks under the policy are to be borne solely by me, as the policyholder.

Applicant's Signature over Printed Name Date

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