.

The InnoVision bonus options – another example of flexibility and choice
InnoVision lets you choose how you want to be rewarded.

The Valued Client bonus option rewards your long-term commitment to your policy with an interest bonus that is credited to your policy beginning on your 5th anniversary and on every anniversary after that.

And you may qualify for an additional bonus if you make extra deposits into your policy. Each year after the 5th policy anniversary, if your deposits are large enough and/or frequent enough for your policy to pass a test, we’ll credit your policy with additional interest. If your policy passes this test after the 10th policy anniversary, the test will no longer be performed and the extra interest will be automatically credited from that point on … for as long as you own your policy.

InnoVision’s other bonus option, the Investment Accelerator, lets us pass on to you some of the advantages that come with Manulife’s size and success. Because we have large-scale dealings with external fund companies, we can offer those who chose this option lower management fees on our investment accounts. And lower management fees mean a higher rate of return for you.

With the Investment Accelerator, you get the immediate benefit of the investment returns of mutual funds within InnoVision’s tax-advantaged environment … without extra universal life management fees being added.