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BUILDING AN INCLUSIVE AND EQUITABLE SOCIETY

Advancements in healthcare have enabled HIV-Positive individuals to live a healthy life with a normal life expectancy. Now, insurers are able to modernize traditional underwriting policies and increase the accessibility of life insurance products and services for customers.

INSURERS PLAY THEIR PART TO BUILD AN INCLUSIVE AND EQUITABLE SOCIETY

• Provide life insurance to HIV-Positive individuals
• Accept Same-Gender partners to purchase life insurance policies for their loved ones where insurable interest exists

PART OF A NEW MISSION

CASE STUDY

Mr Logan is married to Mr Luke, a Same-Sex partner and wishes to purchase a whole of life policy as a gift of love. By setting aside US$294,149 single premium, his partner can get a life coverage of US$1,000,000. The policy can function as both protection and wealth accumulation tool. It can also create an immediate asset of US$1M for Logan. Likewise, Mr Luke can also do the same planning for Mr Logan, a win-win situation for all parties.

_{^Source: https://www.manulife.com/en/news/manulife-provides-life-insurance-to-hiv...}

_{*The information presented in this material is not exhaustive. Please refer to the Policy Illustrations, Product Summary, Bundled Product Disclosure Document (where applicable) and Policy Contract for the exact terms, conditions and specific details of the relevant insurance products. The information found in this material is for informational purposes only. It should not be used for sales presentations as they do not address your customers' specific and individualised needs, financial circumstances and investment objectives}

_DISCLAIMER: 

_{This presentation has been prepared using the information believed to be reliable at the time of preparation, it may not be and is not to be construed as an offer to place or arrange insurance in respect of any parties. This is intended for educational / reference purposes and nothing contained in this presentation may be construed as investment, tax or legal advice in respect of any jurisdictions or counterparties. We strongly recommend an independent assessment of the specific legal, regulatory and tax consequences in relation to presented transaction.}