Care Secure Link

What is Care Secure Link?

With Care Secure Link, you can enjoy the benefit of investing in stock market without worrying the risk of depreciated value on your capital.

With Care Secure Link, you can enjoy the benefit of investing in stock market without worrying the risk of depreciated value on your investment.

Why Care Secure Link

Secure
	Investment returns are guaranteed at the end of coverage period with minimum 105%, 107% and 110% of Single Premium
	Provide life insurance protection of 125% of Single Premium

Flexible
	Provides you with 3 choices of coverage period : 5, 7 and 10 years
	Provide Top Up and Withdrawal facility
	Free to choose the investment funds (after the 1st policy year)

Easy
	Affordable single premium
	Free administration fee
	Competitive fund management fee per year of total asset under management.

Fund Option

Investment Fund *		Invested on
Manulife Dana Ekuitas***		Equity Fund which is registered in Indonesia Stock Exchange
Manulife Pendapatan Tetap Negara		Fixed income, obligation investment which is issued by government
Manulife Dana Pasar Uang		Money market with high quality and maturity less than 1 year.
Manulife Dana Berimbang***		Balanced Fund, instrument of equity and obligation which is registered in Indonesia Stock Exchange.
Manulife Pendapatan Tetap Korporasi		Obligation instrument which is issued by companies and/or the Indonesian government
Manulife Pendapatan Tetap Dollar**		Federal obligation instrument in US Dollar currency
Manulife Dana Ekuitas Syariah***		Equity Fund which is registered in Indonesia Stock Exchange and is Syariah based?
Manulife Dana Berimbang Syariah***		Balanced Fund, instrument of equity and obligation which is registered in Indonesia Stock Exchange and is Syariah based
Manulife Dana Pasar Uang Syariah		Money market with high quality and maturity less than 1 year and is Syariah based

*	Minimum allocation for each of investment fund is 10% from total of investment allocation fund. Detail information which related with investment profile at Investment Guideline Unit Link Manulife. The same price is used for buying and selling units is Bid Price (determined by the bourse daily price). You can check the purchase price in the daily newspapers Investor Daily and Bisnis Indonesia or on www.manulife-indonesia.com

**	Only for policies with US Dollar currency

***	Bank will only give references and is not a selling agent. This fund option will further be explained by PT Asuransi Jiwa Manulife Indonesia.

Sample of Illustration

If you buy Single Premium of Rp 50 million, in the end of contract term, you will get:

Contract term	Investment allocation	Maturity benefit	Death benefit
5 years	15% from Single Premium	52.5 million + policy value(1)	62.5 million + policy value(1)
7 years	25% from Single Premium	53.5 million + policy value(1)	62.5 million + policy value(1)
10 years	35% from Single Premium	55 million + policy value(1)	62.5 million + policy value(1)

Notes :
(1)	Investment returns are not guaranteed. All risk, loss and benefit resulted from investment are fully customer's responsibility. Past performance does not indicate future performance
	Surrender benefit is guaranteed cash value and policy value after deducted by administration fee including withdrawal fee and cancellation unit as below:

Comparison between investment fund and Care Secure Link after 10 years

Assumption of stock market return	Decrease (5% per year)	Stagnant (0% per year)	Increase (5% per year)	Increase (10% per year)

100% fund invested at stock	Fund became 60%	Fixed Fund 100%	Fund became 163%	Fund became 163%

100% fund invested at Care Secure Link	Raise by 2.7% per year, fund became 131%	Raise by 3.8% per year, fund became 145%	Raise by 5.3% per year, fund became 167%	Raise by 7.2% per year, fund became 201%

Value of Care Secure Link will be calculated as Policy value at Manulife Dana Ekuitas with asumption return of stock market plus 110% from single premium.

Investment Manager profile

PT Manulife Aset Manajemen Indonesia established in 1996, the investment manager of Care Secure Link, is one of the largest investment management company in Indonesia. PT Manulife Aset Manajemen Indonesia is one of subsidiary of the Canadian Manulife Financial group, its main business is investment fund management, and it currently hold a total of IDR 22.4 trillion in managed funds (as of July 2010).

Disclaimer

Investment in capital markets carries risk. The performance of this fund cannot be guaranteed. Unit prices and income from the fund can rise or fall. Past performance is no guarantee of future performance. Full details are provided in the policy.

Full details of applicable charges are provided in the General and Special Terms and Conditions of the Care Secure Link policy.

A full explanation of the benefits provided under the terms of this policy are provided in the General and Special Terms and Conditions of the Care Secure Link

Care Secure Link is an insurance product with an investment element provided by PT Manulife Aset Manajemen Indonesia, therefore PT Manulife Aset Manajemen Indonesia is responsible for the insurance policy contents of Care Secure Link. This product is an insurance product, and not a bank product, not deposit or saving product of HSBC and does not contain any liabilities and cannot be guaranteed by HSBC and/or any member of HSBC Group nor included in government guarantee programs against payment liabilities of the general bank nor deposit guarantee program by Lembaga Penjaminan Simpanan

The use of the HSBC logo has been approved by HSBC and symbolizes the partnership between HSBC and PT Manulife Aset Manajemen Indonesia in respect of Care Secure Link products. HSBC is not an agent for PT Manulife Aset manajemen Indonesia or a broker for HSBC customers

Next steps

For Personal Customer:
(+6221) 5291 4722
0804-1-86-4722
64722 (from mobile phone)
For Corporate Customer:
(+6221) 2551 4777
0807-1-86-4722
Locate HSBC Branch