Are you looking for a way to grow your wealth while maintaining flexibility in an uncertain world? Manulife ReadyBuilder (II) might be the solution you've been searching for. This innovative savings plan offers a unique combination of wealth accumulation, flexibility, and protection that can help you build a secure financial future. Let's dive into the details of this plan and see how it can benefit you.
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Manulife ReadyBuilder (II) is a flexible savings plan designed to help you accumulate wealth over the long term while providing financial protection . It offers unique features that allow you to adapt to life's changing circumstances, making it an ideal choice for those who value both growth potential and financial flexibility.
Premium Freeze : Pause premium payments for up to one year while keeping your policy in force
Access to Cash Value : Withdraw money from your policy when needed
Premium Term Options : Choose from 5, 10, 15, or 20-year payment terms, or pay it all at once
Long-term Growth Potential : Capitalize on compound interest over a long savings horizon
Continuation of Wealth Accumulation : Appoint a loved one as the new life insured, allowing policy to continue up to age 120
Guaranteed acceptance with no health questions asked , making it easy to get started.
Receive a lump sum payout if you're retrenched , providing a financial safety net during unemployment.
Protection for Death and Terminal Illness (TI)
Waiver of Premium on Total and Permanent Disability (TPD) for regular premium policies
Enhance your protection with critical illness, death, or Total and Permanent Disability riders (for regular premium policies only)
| Age | What suggestion covers | Premium |
|---|---|---|
| 27, Female making $8,100 a month | $308.87 |
The premium freeze option and access to cash value provide financial breathing room during tough times.
The policy's potential for significant cash value growth over time can help you meet long-term financial goals.
The ability to change the life insured makes it an excellent tool for passing wealth to the next generation.
The retrenchment benefit provides a financial cushion if you lose your job.
With no health questions or medical check-ups required , it's simple to get started.
Optional riders allow you to tailor the policy to your specific needs .
Long-term Commitment : This is a long-term savings plan. Early termination may result in significant costs.
Non-guaranteed Returns : While the policy has potential for good returns, some elements are non-guaranteed and depend on investment performance.
Impact of Withdrawals : Any withdrawal of bonuses or partial surrenders will reduce the policy's death benefit and future cash value.
Surrender Value : For regular premium policies, surrender value is only available after you've paid full premiums for 3 years.
Age Limits : Some benefits, like the retrenchment benefit and waiver of premium on TPD, have age limits.
It's best to check with Manulife about options for changing your payment term after purchase.
After two years of premium payments, you can use the premium freeze option to pause payments for up to a year.
You may be able to add riders to increase your coverage. Consult with a Manulife representative for specific options.
While withdrawals are allowed, they will impact your policy's value. It's best to discuss your needs with a financial consultant.
It's available for individually owned policies where the policy owner is aged 64 and below, during specific periods of the policy.
Manulife ReadyBuilder (II) offers a unique combination of wealth accumulation potential, flexibility, and protection . Its features make it an attractive option for those looking to build long-term wealth while maintaining financial adaptability. However, as with any financial product, it's crucial to consider your personal circumstances and long-term goals before making a decision.
Remember, the best financial plan is one that aligns with your specific needs and objectives. If you're considering Manulife ReadyBuilder (II) or any other savings plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your financial future. Don't leave your financial security to chance – get the expert advice you deserve today.
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