HealthFlex

Proposal designed for:

Insured: DAVE BAUZON
Owner: DAVE BAUZON

Flexible health coverage your way

Flexible. Ward off draining medical expenses by customizing critical illness coverage.

Lifetime. Safeguard your health up to age 100 or reap maturity benefits for staying healthy.

EXtensive. Feel more secure with protection from up to 112 critical illnesses and add-on benefits.

Your policy details Some terms used in this proposal

Insured: DAVE BAUZON Advanced Critical Illness Benefit gives you a lump
Age: 28 Sex: Male sum benefit if insured is diagnosed with any of the illnesses
Owner: DAVE BAUZON from your chosen core benefit. You may choose from:
Age: 28 Sex: Male 1. HealthFlex Cancer
Currency: Philippine Peso Face Amount: 300,000 2. HealthFlex 3CI
Annual Premium: 20,642.42 Pay Period: 10 years 3. HealthFlex Cancer +
Your Maximum Your 4. HealthFlex 3CI +
Coverage Premium Guaranteed Death Benefit is equal to the remaining
Advanced Critical Illness Benefit Advanced Critical Illness Benefit.
HealthFlex 3CI + 300,000 18,826.00 Maturity Benefit is equal to the remaining Advanced
Critical Illness Benefit. This will be given if insured outlives
Waiver of Premium Included 28.42 age 100.
Packaged Benefits
Waiver of Premium exempts you from paying your
Early Stage Critical Illness Benefit 75,000 1,461.75 premiums when insured is diagnosed with a covered early
Male Cancer Benefit 75,000 326.25 stage or advanced critical illness.
Total Annual Premium 20,642.42 Long Life Bonus rewards you for living a healthy life. This
Other installment options are also available will depend on Accumulated Dividends.
Semi-annual 11,028.59 Packaged Benefits or riders are extra benefits on top
of your basic plan, if applicable.
Quarterly 5,867.99
Early Stage Critical Illness Benefit advances 25%
Monthly 2,043.36 of your first Advanced Critical Illness Benefit when
insured is diagnosed with any of the specified early stage
This is your proposal also known as the sales illustration. Please read it critical illnesses.
carefully and review all details before signing it.
Recovery Benefit provides a monthly allowance when
This proposal should be read with the policy contract. In case of conflict insured is diagnosed with a covered advanced critical
between this proposal and the policy contract, the latter shall prevail. illness.
Exclusions and limitations based on pre-existing conditions may apply. You Hospital Income Benefit provides allowance for each
have 15 days to look at your policy contract from the time you receive it. If day of hospital confinement to help pay for medical
you decide it is not suitable for your needs, you can return it and we will do a expenses and doctor's fees for a maximum of 1000 days.
refund.
2nd Advanced Critical Illness Claim Benefit
provides additional amount when the insured is
diagnosed with Cancer, Heart Attack, or Stroke after their
first advanced critical illness claim.
Child Critical Illness Benefit provides additional
benefit equal to 25% of Face Amount when insured is
diagnosed with any of the specified child illnesses.
Male Cancer Benefit provides additional benefit
equal to 25% of Face Amount when insured is diagnosed
with any of the specified male cancer.

Page 1 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Your main illustration of benefits

Non- Non-
Total Total Total Total Total
Annual Critical Guaranteed Guaranteed Guaranteed Living
Guaranteed
Death Accumulated Living Death
Year Age Death Cash Accumulated
Premium Illness Dividends Benefits Benefits Dividends Benefits Benefits
Benefit Benefit Value
3% 3% 3% 2% 2% 2%
1 29 20,642.42 450,000 300,000 - 9 9 300,009 9 9 300,009
2 30 20,642.42 450,000 300,000 975 21 996 300,021 21 996 300,021
3 31 20,642.42 450,000 300,000 1,575 186 1,761 300,186 186 1,761 300,186
4 32 20,642.42 450,000 300,000 6,375 517 6,892 300,517 515 6,890 300,515
5 33 20,642.42 450,000 300,000 11,625 1,032 12,657 301,032 1,025 12,650 301,025
6 34 20,642.42 450,000 300,000 17,700 1,742 19,442 301,742 1,724 19,424 301,724
7 35 20,642.42 450,000 300,000 24,000 2,662 26,662 302,662 2,626 26,626 302,626
8 36 20,642.42 450,000 300,000 30,675 3,810 34,485 303,810 3,747 34,422 303,747
9 37 20,642.42 450,000 300,000 36,825 5,201 42,026 305,201 5,099 41,924 305,099
10 38 20,642.42 450,000 300,000 42,975 6,858 49,833 306,858 6,702 49,677 306,702
11 39 - 450,000 300,000 45,000 8,797 53,797 308,797 8,569 53,569 308,569
12 40 - 450,000 300,000 47,400 10,878 58,278 310,878 10,557 57,957 310,557
13 41 - 450,000 300,000 49,500 13,109 62,609 313,109 12,673 62,173 312,673
14 42 - 450,000 300,000 51,900 15,496 67,396 315,496 14,921 66,821 314,921
15 43 - 450,000 300,000 54,600 18,049 72,649 318,049 17,306 71,906 317,306
Attained Age
70 - 450,000 300,000 148,800 188,910 337,710 488,910 161,680 310,480 461,680
80 - 450,000 300,000 181,125 329,705 510,830 629,705 269,646 450,771 569,646
90 - 450,000 300,000 212,325 536,536 748,861 836,536 418,083 630,408 718,083
100 - 450,000 300,000 300,000 832,898 1,132,898 1,132,898 616,596 916,596 916,596
Important Illustration Notes:
This table is for illustration purposes only and is not your policy contract. You should refer to your Financial Advisor for more information.
This illustration relates to your Basic Plan, including Packaged Benefits, if any, and assumes that all premiums are paid in full when due.
Your Long Life Bonus is given in the form of Accumulated Dividends.
Your Accumulated Dividends are projected at 3.00% and 2.00% in this illustration. These are not guaranteed.
The illustration includes dividends which are calculated based on a projection of the current dividend scale and has incorporated the
Company's expectation of future interest rates, investment returns, expenses, claims experience and other factors. Your dividends may be
different and depends on how well the fund has fared with regard to investment returns, expenses, claims and other factors. For example, if
the actual investment return is lower than the projected investment return, dividends may be decreased and vice versa.
Accumulated dividends include both the base and packaged benefits dividends.
Your dividends may be withdrawn anytime or left to accumulate until maturity.
Your Total Living Benefits is the sum of Guaranteed Cash Value and any Accumulated Dividends.
Your Total Death Benefit is the sum of Guaranteed Death Benefit and any Accumulated Dividends.
The values will vary in accordance with the Proposed Insured's insurance age upon issuance of the contract. Changes in premium rates,
dividend scales and interest rates also affect these values. The values illustrated do not include any dividend withdrawals and/or policy loans.

Page 2 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Advanced Critical Illness Benefit

We will give you a lump sum benefit if insured is diagnosed with any of the covered advanced critical illnesses you chose.

How Critical Illness Benefit works:

Insured is diagnosed with an Manulife will give your Advanced Critical

advanced critical illness Illness Benefit

Group B: Top 3 Important notes for Advanced Critical Illness:

1. Cancer​ Advanced Critical Illnesses due to pre-existing conditions that were not disclosed
2. Heart Attack​ will not be covered.
3. Stroke​ Benefit payment is subject to the definitions in the policy contract.

Group C: Elderly and Other Illnesses

1. Coronary Artery Bypass Surgery 30. Encephalitis
2. Kidney Failure 31. Severe Rheumatoid Arthritis
3. Major Organ Transplantation 32. Benign Brain Tumor
4. Paralysis 33. Alzheimer's Disease
5. Blindness 34. Apallic Syndrome
6. Multiple Sclerosis 35. Brain Surgery
7. Loss of Limbs 36. Cardiomyopathy
8. Coma 37. Severe Creutzfeldt-Jacob Disease (CJD)
9. Amyotrophic Lateral Sclerosis 38. Crohn's Disease
10. Aplastic Anemia 39. Fulminant Hepatitis
11. Chronic Liver Disease 40. Major Head Trauma
12. Chronic Relapsing Pancreatitis 41. Myasthenia Gravis
13. End Stage Lung Disease 42. Necrotizing Fasciitis
14. Heart Valve Replacement 43. Other Serious Coronary Artery Disease
15. Loss of Hearing 44. Pheochromocytoma
16. Loss of Speech 45. Primary Pulmonary Hypertension
17. Major Burns 46. Progressive Scleroderma
18. Medullary Cystic Disease 47. Severe Ulcerative Colitis
19. Muscular Dystrophy 48. Loss of Independent Existence
20. Parkinson's Disease 49. Progressive Supranuclear Palsy
21. Poliomyelitis 50. Severe Infective Endocarditis
22. Progressive Bulbar Palsy 51. Elephantiasis
23. Progressive Muscular Atrophy 52. Amputation due to Complication from Diabetes
24. Surgery to Aorta 53. Bacterial Meningitis
25. Terminal Illness 54. Severe Eisenmenger's Syndrome
26. Total and Permanent Disability 55. Chronic Adrenal Insufficiency (Addison's Disease)
27. Systemic Lupus Erythematosus (SLE) 56. Surgery for Idiopathic Scoliosis
28. Hemolytic Streptococcal Gangrene 57. HIV due to Blood Transfusion
29. Occupationally Acquired HIV

Page 3 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Waiver of Premium Benefit

Your premium will be waived if you encounter any of the following:
• When Insured is diagnosed with any of the covered advanced
critical illnesses, remaining premiums will be waived.
• When insured is diagnosed with any of the covered early stage
critical illnesses, 1 year premium is waived. Then, if diagnosed with
advanced critical illness after a year, remaining premiums are
waived.

• When insured is diagnosed with any of the covered early stage Important notes for Waiver of Premium Benefit:
critical illnesses, 1 year premium is waived.
• Each premium waived will be the premium according to the mode of
payment in effect when early stage or advanced critical illness was
diagnosed.
• Waiver of Premium for Early Stage and Advanced Stage CI
terminates subject to the terms and conditions in the policy
contract.

Page 4 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Packaged Benefit
These are your extra benefits that you bought together with this policy.

Benefit Period Benefit Amount Premium

Waiver of Premium 10 years Included 28.42
Early Stage Critical Illness Benefit Up to age 100 75,000.00 1,461.75
Male Cancer Benefit Up to age 100 75,000.00 326.25

Guaranteed Cash Values (Riders)

Year Age Early Stage Critical Illness Benefit Male Cancer Benefit Total
1 29 - - -
2 30 75.00 - 75.00
3 31 75.00 - 75.00
4 32 75.00 - 75.00
5 33 225.00 - 225.00
6 34 900.00 - 900.00
7 35 1,500.00 - 1,500.00
8 36 2,175.00 - 2,175.00
9 37 2,925.00 - 2,925.00
10 38 3,675.00 - 3,675.00
11 39 3,900.00 - 3,900.00
12 40 4,200.00 - 4,200.00
13 41 4,500.00 - 4,500.00
14 42 4,800.00 - 4,800.00
15 43 5,100.00 - 5,100.00
Attained Age
70 14,250.00 3,750.00 18,000.00
80 13,125.00 3,600.00 16,725.00
90 7,875.00 750.00 8,625.00
100 - - -
Important Illustration Notes:
This is an additional illustration only and not a policy contract. This must be read with the main illustration. Only packaged benefits with
guaranteed cash values appear in this particular illustration. In case of conflict, the main policy contract shall prevail.
The Guaranteed Cash Values for the said rider/s already form part of the Guaranteed Cash Values shown in the Main Illustration page.
Values may differ from actual policy values due to rounding off. Values illustrated above are based on standard rates unless specified.
The values illustrated do not include any dividend withdrawals and/or policy loans.

Page 5 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Early Stage Critical Illness Benefit

We will advance 25% of your Advanced Critical Illness Benefit when the insured is diagnosed with any of the specified Early Stage Critical
Illnesses. After 1 year, and if the insured is still alive, we will bring back your Advanced Critical Illness Benefit to 100%.

Advanced Insured is diagnosed 28. Less Severe Systemic Lupus Erythematosus

Advanced Critical Illness
Critical Illness with an Early Stage Benefit goes back to
Benefit Critical Illness 29. Liver Surgery
original amount
30. Loss of Hearing in One Ear
After 1 year
31. Loss of One Limb
Waiting period
32. Loss of Sight in One Eye
Manulife pays 25% 33. Major Organ Transplantation (on Waiting List)
34. Miliary Tuberculosis
1. Angioplasty and Stenting for Carotid Arteries 35. Moderately Severe Paralysis
2. Biliary Tract Reconstruction Surgery 36. Myelitis
3. Carcinoma-in-situ 37. Osteoporosis with Fracture
4. Carotid Artery Surgery
38. Skin Transplantation
5. Early Stage Malignancy
6. Early Thyroid Cancer 39. Surgery for Subdural Haematoma
7. Endovascular Treatment of Peripheral Arterial Disease 40. Surgical Removal of One Kidney
8. Less Severe Heart Attack 41. Surgical Removal of One Lung
9. Pericardectomy 42. Angioplasty and Other Invasive Treatments for
10. Cardiac Pacemaker Implantation Coronary Artery Disease
11. Cerebral Aneurysm or Arteriovenous Malformation Requiring Surgery
12. Cerebral shunt insertion
43. Insertion of a vena-cava filter
13. Endovascular Treatment of Cerebral Aneurysm 44. Surgical Removal of Pituitary Tumour
14. Adrenalectomy for Adrenal Adenoma
15. Chronic Lung Disease
16. Cochlear Implant Surgery Important notes for Early Stage Critical Illness Benefit:
17. Diabetic Retinopathy
18. Endovascular Treatments of Aortic Disease or Aortic Aneurysm Face Amount for Advanced Critical Illness, Death Benefit or
19. Facial Burns due to Accident Maturity Benefit reverts to 100% if there is no advanced critical
20. Facial Reconstructive Surgery for Injury due to Accident illness claim made within 12 months from early stage critical
illness claim.
21. Hepatitis with Cirrhosis
22. Less Invasive Treatments of Heart Valve Disease Early Stage Critical Illness Benefit terminates on the earliest of
the following:
23. Less Severe Bacterial Meningitis
24. Less Severe Burns to Body due to Accident the benefit is paid;
25. Less Severe Coma the payment of the Advanced Critical Illness Benefit
26. Less Severe Encephalitis regardless of whether the Early Stage Critical Illness Benefit
has been paid or not; or,
27. Less Severe Kidney Disease
upon death of the insured.

Page 6 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Male Cancer Benefit

We will pay an additional benefit equal to 25% of your Face Amount when insured is diagnosed with any of the specified Gender Specific Critical
Illnesses.

1. Testicles
2. Prostate
3. Penis Insured is diagnosed with any of Receive 25% of
4. Breast the listed illnesses Face Amount

Important notes for Male Cancer Benefit:

Male Cancer Benefit terminates on the earliest of the

following:
the benefit is paid; or,
upon death of the insured.

Page 7 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Important reminders
1. Your payments and benefits are in Philippine pesos.

2. Your Long Life Bonus is given in the form of Accumulated Dividends. These are not guaranteed.

3. Your total living benefit is the sum of Guaranteed Cash Value and Accumulated Long Life Bonus.

4. Your death benefit is the sum of the remaining Guaranteed Death Benefit and Accumulated Long Life Bonus.

5. Your benefit will only be paid if no illness is contracted within 90 days from your policy's issue date or the approval date of your last
reinstatement (whichever is later), and if you survive a period of not less than 14 days after you are diagnosed with a covered illness.

6. Termination of a packaged benefit will not terminate your entire policy if you still have unclaimed additional benefits subject to the terms of
the policy contract.

7. It is important that you understand the contents of this proposal, as it will become part of your policy once we have approved your application.

8. We have tried our best to make sure this proposal is accurate. Should errors still occur, leading to differences between this proposal and the
policy contract, we will apply the terms of the policy contract. Please read your policy contract carefully for the complete terms and conditions.

Page 8 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON

Premium Components

Annual Semi-Annual Quarterly Monthly

HealthFlex 3CI + 18,826.00 10,065.78 5,359.28 1,868.90
Early Stage Critical Illness Benefit 1,461.75 774.73 409.29 140.33
Male Cancer Benefit 326.25 172.91 91.35 31.32
Waiver of Premium due to ACI 3.71 1.97 1.04 0.36
Waiver of Premium due ESCI 24.71 13.20 7.03 2.45

Premiums may include adjustments for extra risk we are covering.

Extra Rating

Permanent Temporary Temporary Permanent

Flat Flat Flat Duration %
HealthFlex 3CI + std
Early Stage Critical Illness Benefit std
Male Cancer Benefit std
Waiver of Premium due to ACI std
Waiver of Premium due ESCI std

Page 9 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410
 HealthFlex
Proposal designed for:
Insured: DAVE BAUZON
Owner: DAVE BAUZON
Acknowledgement of variability
I acknowledge that:

I have applied with Manulife for a HealthFlex policy, and have reviewed the illustration(s) that shows how a life insurance policy performs using
the company's assumptions based on Insurance Commission's guidelines on interest rates.
I understand that only those values described as guaranteed, if any, are guaranteed. All other policy values can change and may probably be
different from those illustrated to me. Actual values may be higher or lower depending on the dividend rates actually earned.
I understand that dividend rates change from year to year and since these are affected by the company's mortality experience, investment
returns, expenses, and taxes, and that Manulife will advise me of the actual amount of the dividend, if any.

If on any future date I choose to use available policy dividends to pay for my future premiums, I understand that actual dividend performance will
determine when or if policy values are sufficient to pay my future premiums.
I also understand that this proposal is valid only until 05 September, 2023 and that any changes will make this proposal invalid.

#OWNER_SIGNATURE #OWNER_SIGNDATE
DAVE BAUZON Date
Policy Owner

Financial Advisor's Attestation

I have presented this proposal without making any changes. I have explained that the values which are not guaranteed may change. I did not
make any statement that is not consistent with the proposal.

#AGENT_SIGNATURE #AGENT_SIGNDATE
SHEILA ONG (328075) Date
Financial Sales Associate

Page 10 of 10
Your proposal was prepared on 06 August, 2023 and is valid until 05 September, 2023 Ver. epos-ph-angular-app PHA-P
0001014097 24.6.0-0.22.0
This is valid only if all pages are included. HF410