Trang 1 TRƯỜNG ĐẠI HỌC THƯƠNG MẠIVIỆN HỢP TÁC QUỐC TẾ------Individual life insurance Group Assignment: Group 4Content: Learn about Manulife Trang 2 member of group 41 Lê Thị T
TRƯỜNG ĐẠI HỌC THƯƠNG MẠI VIỆN HỢP TÁC QUỐC TẾ - - Individual life insurance Group Assignment: Group Content: Learn about Manulife HÀ NỘI 2021 member of group Lê Thị Thu Hường – 19K620045- leader Nguyễn Quang Huy- 19K610048 Nguyễn Khánh Huyền- 19K660026 Mai Thùy Linh- 19K620055 Nguyễn Đỗ Hương Linh- 19K620056 Đặng Huyền My- 19K620077 Nguyễn Ngọc Linh – 19K620071 I Introduction of Manulife - Manulife is a member of Manulife Financial, Manulife Vietnam is proud to be the first foreign life insurance company to be present in Vietnam since 1999 and owns its own headquarters building with an investment value of more than 10 million USD With rich experience and global reputation, Manulife is currently the largest Life Insurance Company in Vietnam, by charter capital - Manulife Vietnam is currently providing a diversified product portfolio from traditional insurance products to health, education, investment-linked, retirement insurance products, etc., providing protection solutions health and financial services for more than 800,000 customers through a strong and professional team of agents in 61 offices in 45 provinces and cities nationwide - In addition to the traditional distribution channel through agents, Manulife Vietnam has diversified its business activities by working with banking partners to deploy a bancassurance distribution channel to meet the needs of customers increasingly diversified market - With more than 19 years of operation in Vietnam, Manulife Vietnam has constantly developed and built a solid reputation in the market In 2019, Manulife was awarded titles from prestigious international organizations: + Best Life Insurance Brand in Vietnam 2019 + The best life insurance company in terms of digital transformation in Vietnam + Best Place to Work in Asia 2019 “ Decisions made easier Lives made better.” Every day you face decisions about your future – decisions about education, healthcare, investing or planning for retirement At Manulife, we’re committed to helping you through these important life moments It’s about giving you the confidence to make the right decisions so you can spend time on the people and things that really matter - Manulife Life Insurance always focuses on the interests of customers - Do the right thing - Think big - Master the job - Spread kindness - Companion to success II Life insurance products • Comprehensive financial protection against critical illnesses through many stages (early stage, middle stage, late stage) with total benefits up to 300% of the Sum Insured • Pay an additional 25% of the Sum Insured for critical illness benefits for children or diseases by gender • Comfort cash voucher benefits up to 100% of Sum Assured at age 75 • Attractive maturity benefit equal to 100% of Sum Assured plus Dividends and Accumulated Interest • Short-term payment but protection up to 99 years old Preeminent beautiful life : : Up to 200% of Sum Assured , plus Insurance and Accumulated Interest (if any), and less Debts and Funeral Benefits paid : 10% of the Sum Insured , up to 30 million VND when receiving the Death Benefit application This benefit will be deducted from the death benefit after the Company has made an official payment decision Paid 100% of the Sum Insured, excluding early and middle critical illness benefits This benefit is payable when the Insured reaches the age of 75 or at the end of the 20th policy year (whichever comes later) if the Critical Illness Benefit has not been paid at the end of the period The policy continues after this benefit is paid and you remain protected against death until it expires Equal to the total value of the Insured Amount, Idle Cash Transaction Benefits, Insurance and Accumulated Interest (if any) : This is an unsecured amount and will be paid based on the profit of the participating product fund after the account insurance contract is closed in full and on time • Recurring payment: Pay annually on each contract anniversary • Gratitude bonus: If all due Premium accounts are closed within the Premium Payment Term, the Company will pay a gratitude bonus GENERAL INFORMATION ABOUT OUR PACKAGE • Age of participation: from month old to 65 years old • Contract term: up to 99 years old • Payment term: 12 years, 15 years or 20 years • Insurance exclusion: The Company will not pay Benefits if the insured event occurs due to any of the following causes: Comprehensive cancer insurance 360 • 100% death benefit • Free contract for children • Free payment after cancer • Cancer Cash Fund 360: Support up to 360% of the insurance amount • Early protection against cancer in its early stages • Intensive protection with additional coverage for high-cost cancer cases • Support price slippage, income support to help you confidently live happily • Continue to get free protection for yourself and your child with cancer • Simple joining procedure with extremely attractive premium - Age of participation: 18 years old - 60 years old - Payment term: 10 years - Contract period: 10 years Document continues below Discover more from: trị thương Quản hiệu Trường Đại học… 348 documents Go to course Giáo trình Quản trị 248 thương hiệu Quản trị thương… 98% (83) Ppnckh - Phương 46 pháp nghiên cứu… Quản trị thương… 100% (16) Chương - sơ đồ tư khái quát nhất… Quản trị thương… 100% (15) Quản trị chiến lược 51 Vinamilk Quản trị thương… 100% (12) Quản trị thương hiệu 124 - đề cương quản t… Quản trị thương… 100% (9) Bài thảo luận quản trị Whole Life insurance 27 thương hiệu Quản trị thương… 100% (9) • Flexibility to choose the insurance package (Economic / Protection) and flexibly choose the premium payment term At the same time, comprehensive protection for you and your family with a single lifetime contract • Optimum financial protection against unexpected risks such as accidental death up to 400% of the sum insured • Peace of mind with health benefits and annual wellness allowance • Regular and attractive payouts Especially, bonus up to 150% and 400% of the first year basic premium when reaching important milestones (10 and 20 years contract) • Increase face value during important milestones such as marriage, child birth without appraisal • Free withdrawal within the contract period • Free policy management and risk premium for the first policy year and since the person reaches 85 years of age • Covers benefits for injury, organ damage, broken bones and serious burns caused by accidents The total payout for these benefits is up to 100% of the sum insured • Increase your family's protection with many convenient products and attractive prices Medical benefit benefits • Peace of mind to live healthy with preferential hospital fees up to million VND / day • Stabilize life with income support benefits: 20% more hospital benefits for the 6th day of hospital stay onwards • Health care benefits up to million VND year record your year of healthy life when no medical benefits are paid Enjoy real investment return from universal life fund, because in any market fluctuations, Manulife commits to pay interest higher than or equal to guaranteed interest rate General information about the insurance package Participation age: month old - 65 years old Contract period: Up to 99 years old Payment term: Required is the first years of the contract After that, the policyholder can choose the premium payment term but not exceed the contract term Clients must pay fees as expected so that they can achieve their defined financial goals Term life insurance Quick procedure with high protection amount The procedure is extremely simple: • Answer questions even fast • No medical examination required • Receive contract sets by e-mail The number of protection is high, that is the amount of charge Short-term premium, long-term protection Depending on your current needs, you can flexibly choose the right insurance package for you Conditions of participation Limit of Coverage: The Company will not pay benefits if the insured event occurs due to any of the following causes: Suicide or suicide Violating the criminal law Whether you are dreaming of a comfortable retirement or having enough financial resources for your children to enjoy an advanced educational environment, regular savings and discipline is the best way to gradually achieve those goals Start building a financial plan with Manulife today with the safest and most suitable savings insurance solutions Investment Insurance: Protection up to 200% of the Sum Insured against unexpected risks such as accidental injury and death Optimize the accumulation time through investment funds - the first time in Vietnam - with the mechanism to adjust the investment portfolio 88% Return on Risk Premium for long-term investment customers at 10-year, 15-year and 20-year milestones Completely Free Withdrawal of Account Value, Fund Conversion Fee and Fund Allocation Rate change fee Flexibility to choose protection plans for the whole family with a wide range of complementary products 1.2 Investment fulcrum: a, Increase assets easily and conveniently with the backing from a team of experienced investment experts Actively balance, adjust the amount for investment and protection according to each stage of life Flexible choice of different funds to ensure effective investment Get attractive recurring bonuses and special bonuses for maintaining the contract for the first 20 years Protection for the whole family with low fees and attractive benefits Flexibility to choose protection plans Manulife Open Fund: 2.1 Manulife Balanced Investment Fund MAFBAL is considered as a suitable investment opportunity for middle-aged customers who prefer low risk level but still have the opportunity to diversify their individual investment assets to prepare financial plans for the future, medium and long term futures a, Low level of product risk It doesn't take much time to monitor and research the stock market, financial market Be able to invest in the stock market and enjoy attractive returns b, NAV valuation date 11/08/2021 14,545,0000 VND NAV valuation date 13/08/2021 14,444,000 VND c Full name: Manulife Balanced Investment Fund Short name: MAFBAL Fund Management Company: Manulife Vietnam Fund Management Company Limited Investors of the Fund: Domestic and foreign institutional and individual investors Suitable customers: middle-aged customers, prefer safe investment products with low risk Trading day: Regular Monday, working day every week Pricing Dates: Regular Mondays, working days every week Issuance fee: 0.5% 3%/purchase value d, Stable and balanced while taking advantage of investment opportunities from the stock market e, Balance investment in stocks and bonds; in which: Investing in stocks of leading companies with good growth potential and investing in low-risk bonds such as government bonds, government-guaranteed bonds and government bonds local Depending on market conditions, the MAFBAL Fund may partially invest in corporate bonds with good expected return relative to the increased risk 2.2 Manulife stock investment fund: Manulife Stock Investment Fund (MAFEQI) was established in 2014, is an Open Fund that operates with the goal of increasing investment value in the medium and long term while limiting the risk of sharp price drops during the investment period Investment strategy of Manulife Stock Investment Fund focuses on investing in companies with sustainable business and good growth; MAFEQI invests in consumer staples, utilities, pharmaceuticals, telecommunications and other potential companies a, Be able to invest in the stock market and enjoy attractive returns It doesn't take much time to monitor and research the stock market Invest early and periodically to enjoy low joining fees and “compound” returns for your retirement plan b, NAV valuation date 11/08/2021 17,175,000 VND NAV valuation date 13/08/2021 16,975,000 VND c, Full name: Manulife Stock Investment Fund Short name: MAFEQI Type of Fund: Open-ended public fund Certificate of establishment registration of the Fund No 16/GCN-UBCK issued by the State Securities Commission on October 20, 2014 Fund Management Company: Manulife Vietnam Fund Management Company Limited Custodian Bank: HSBC Bank (Vietnam) Ltd Investment assets: The Fund invests mainly in listed stocks, the proportion of unlisted shares does not exceed 10% The MAFEQI Fund is suitable for investors with a high level of risk tolerance and medium and long-term investment time d, The objective of the MAFEQI Fund is to provide growth in capital investment value over the medium to long term while partially limiting the risk of fluctuations in investment value e, Allocate a large proportion of the portfolio to stocks in industries that are less dependent on business cycle changes, e.g consumer, utilities, pharmaceuticals and telecommunications The rest of the portfolio will invest in stocks of strong growth companies The dynamic movement between industries is less dependent on the economic cycle and the industries grow according to the fluctuations of the business cycle Living well every day Customers have the opportunity to participate in ManulifeMOVE - a customer care and reward program on a mobile application platform with attractive privileges: - Simple goal reward & Campaign challenges - Many appealing rewards for good health - Effort and maintenance of good health features, free entirely such as: Health index, health and life support services, etc - Special offers from her life-moving multi-area partners - Quick access: Insurance contract information page, customer service, requests to deal with direct insurance interests, member cards, premium underwriting cards, etc Serious Health Insurance The intriguing interest: Insurance matters to 134 serious diseases in all three stages: - Early Stage 25% of coverage up to 500 million per illness and can claim up to times for different illnesses - Middle Stage 50% of the sum insured up to VND billion per illness and up to claims can be made for different conditions minus the Early Critical Illness Benefit for the same illness previously paid - Final Stage 100% of coverage Less Early and Mid-Term Critical Illness Benefit for the same previously covered illness - Serious Illness By Gender Pay an extra 25% of the premium End Stage Cancer Insurance - Manulife will pay 100% of the sum insured when the Client is diagnosed with Terminal Cancer Health insurance The cost of medical examination and treatment and hospital stay is increasing day by day and is always a constant worry of each of us besides other daily expenses It has a huge impact on the lives of people who are seriously ill with frequent hospital bills This burden will be relieved and shared by a practical health benefit package with a support level of up to million VND/person/day The intriguing interest: - Normal inpatient hospital stay pays 100% of the insurance amount/day - Hospitalization in the intensive care unit pays 200% of the insurance amount /day - On the 6th day of hospital stay, an additional 20% of the insurance amount/day will be supported Death and Disability Insurance caused by accidents - Accidental injury: Pay up to 100% of the Sum Insured Severe burns: Pay up to 100% of the Sum Insured Bone damage: Pay up to 50% of the Sum Insured Organ damage: Pay up to 15% Insurance amount up to 150 million VND The payout is up to 300% of the insurance amount depending on the accident circumstances: - 300% due to plane crash - 200% due to traffic accidents, elevator accidents or fires in public buildings - 100% due to common accidents Total Permanent Disability or death Insurance: Customers participating in this add-on package will be paid 100% of the insurance amount if unfortunately death or total permanent disability Paid - support insurance group With this group of supplemental products, insurance buyers would be supported in fees to maintain contract account value when the insured, spouse or insured person was diagnosed with serious illness or even death Reassurance continues to maintain the rights of the contract The intriguing interest: - Assistance with premium payment when the Insured Person is diagnosed with any of 49 Serious Illnesses - Premium support when the insurance buyer or spouse dies or is diagnosed with any one of 49 serious illnesses - Support to pay contract fees when the insured has a serious illness or full disability III Provisions and ownership rights - - Attractive benefits: Coverage for up to 134 important diseases for all stages Early Stage 25% of coverage up to 500 million per illness and can claim up to times for different illnesses Mid-stage 50% of the sum insured up to VND billion for each disease and up to claims can be made for different diseases minus Early stage BLNT Benefit for the same previously paid illness Late stage 100% of the sum insured In addition go Early and mid stage BLNT benefits for the same previously paid illness Serious Illness By Gender Pay 25% of premium End Stage Cancer Insurance Manulife will pay 100% of the premium when the Client is ready for Terminal Cancer Specific terms when participating in Manulife insurance 1, Whole life insurance Main product: Manulife- Happy Journey Special benefits +,Flexible choice of package insurance (Saving / Protection) and flexible choice of term insurance At the same time, comprehensive protection for you and your family with a single contract for life +, Optimal financial protection against unexpected risks such as Accidental Death up to 400% of the sum insured