Unit Link Product from Manulife Financial in Indonesian Rupiah and USDManulife Investment Protector is a preferred solution to invest in Indonesia, China and India capital market with an attractive growth potential. It is also a solution for life risk management.FEATUREGiving a potential investment return according to aggressive, moderate, or conservative investment profile choices.No medical underwriting is needed.The program can be attached with riders for 38 critical illness, accidental death insurance, or term life insurance.100% single premium will be allocated as an investment allocation.Affordable single premium.Protection for 75 years periodBENEFIT Manfaat akhir kontrak 100% Nilai Tunai + Pengembalian Cost of InsuranceDeath benefits with the amount of the benefit is 150% of the single premium plus Fund Value, up to the age of 75 year-old Death benefits Due to Accident with the amount of the benefit is 300% of the single premium plus Fund Value, up to the age of 65 year-old Benefit at the End of the Contract If the Insured lives untill the Contract Expiry 100% Cash Value + Returned Cost of InsuranceRISK Market Risk Unit Price Reduction RiskMarket risk is the risk of losses impositions arising from movements in market prices.Country RiskRisks arising due to changes of economics and politics of a country those impacts on other countries related.Company Risk Risks arising if the company is liquidated. Sector Risk Risks that arise when investing in a particular sector.REQUIREMENTS & PROCEDURES Policy Holder Age 18 - 70 years Have Commonwealth Bank AccountFill out Application FormCopy Customers IdentificationOther Supporting DocumentsFEE AND CHARGES Withdrawal/Surrender FeeWithdrawal/surrender fee:7% on the 1st year,5% on the 2nd year,3% on the 3rd year,2% on the 4th year,1% on the 5th yearNO CHARGES on the 6th year onwardsManagement Fee 2% per annum from total managed funds. For Manulife Dana Ekuitas and Manulife Dana Ekuitas Indonesia China, and Manulife Dana Ekuitas Indonesia India, Manulife Dana Ekuitas Small Mid Cap: 2.5% per annum from total managed funds Insurance Fee Will be charged each month by deducting number of unitSwitching Fee FREE 4x per year, More than that will be charged IDR 50,000 / transactionAdditional Raider Fee Will be charged each month by deducting number of unitDISCLAIMERThe insurance product issued by PT Asuransi Jiwa Manulife and referenced / recommended by PT Bank Commonwealth (Commonwealth Bank) to its customer. This product is not issued by Commonwealth Bank consequently Commonwealth Bank doesn’t responsible for any obligation and doesn’t provide any assurance of this insurance product. This insurance product and the fund is not included in Deposit Guarantee Program of Government of Republic Indonesia (Lembaga Penjamin Simpanan). Commonwealth Bank also not undertakes for any risk of the Insurance Policy issued by PT Asuransi Jiwa Manulife in related to the insurance product. The Commonwealth Bank’s logo usage is entirely for cooperation reason between Commonwealth Bank and PT Asuransi Jiwa Manulife in regard to the marketing process of the Insurance Product. Commonwealth Bank is neither an agent of PT Asuransi Jiwa Manulife nor a broker of Commonwealth Bank customers. The fund placed will not be included in and / or not will be secured by a deposit guarantee program by LPS.Call CommBank can be accessed through 1500030 or (6221) 2935 2935 for international access. We serve customer 24 hours a day 7 days a week (including public holiday).