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Venture^® SPVL

Modified Single Premium Variable Life Insurance

The Solution to I Want More

Overview

Competitive Advantages

If your client's are looking for more out of their life insurance, and you are looking for user-friendly solutions, then Venture SPVL may be the answer. It's a cost-effective, tax efficient way to help build assets for the next generation. The Venture SPVL attracts clients seeking life insurance between the ages of 20 through 90, can be purchased with a single premium and provides your clients with:

Easy-To-Purchase Life Insurance
Simplified Underwriting
Lapse Protection Benefit ²
Maturity Advantage Option³
Choice of Some of the Nation´s Leading Asset Managers and a Broad Array of Investment Options

Immediate Death Benefit Protection Greater Than Your Client´s Investment - your client´s death benefit will generally be greater than the cash value and may rise over time as the cash value increases, assuming no loans or withdrawals and assuming single premium is 100% of Guideline Single Premium.
More Tax Benefits and Advantages¹
- no income tax for beneficiaries; lump sum may be passed without taxes; a potentially significant death benefit paid out to your client´s family, friends or favorite charity

An Immediate Death Benefit Greater Than Your Client's Premium
If your client purchases Venture SPVL at age...	And your client pays a premium of...	The initial death benefit (face amount) for:
If your client purchases Venture SPVL at age...	And your client pays a premium of...	Your client alone is...* (Individual Policy) Male Female		Your client and spouse are...* (Survivorship Policy)
45	$100,000	$470,661	$552,001	$966,695
55	$100,000	$350,427	$360,771	$571,810
65	$100,000	$209,176	$241,745	$349,009
75	$100,000	$155,727	$170,457	$244,612

* Assumes single premium is 100% of Guideline Single Premium; standard Non-smoker rates.
** Assumes both spouses are non -smokers and female spouse is younger by 5 years.

If you are looking for a solution - one that will keep your client´s relationships growing - you've found it with Venture SPVL.

Click here for prospectus.

Venture SPVL is approved in all states.

View and download:

SPVL Client Guide

To learn more about the Venture SPVL features and riders, or to access sales sheets and other sales tools, please click here.

Variable life insurance has annual fees and expenses associated with it. In addition, variable life insurance has both life insurance related charges and investment management fees.

Please contact 1-888-266-7498, option 2 to obtain a prospectus or if you are interested in obtaining a selling agreement with Manulife Financial Securities LLC. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company which should be considered carefully. Please advise your clients to read the prospectus carefully prior to investing. The prospectus contains this and other information on the product and the underlying portfolios. Product and/or product features may not be available in all states.

Venture variable life insurance products are issued by The Manufacturers Life Insurance Company (U.S.A.) (Manulife USA) and distributed by Manulife Financial Securities LLC through other broker/dealers appointed by Manulife Financial Securities. Manulife USA and Manulife Financial Securities are members of the Manulife Financial group of companies, wholly owned subsidiaries of Manulife Financial Corporation.

¹ Life insurance death benefit proceeds are generally excluded from the beneficiary's gross income for tax purposes. There are a few exceptions such as when a life insurance policy has been transferred for valuable consideration. No legal, tax or accounting advice can be given by Manulife Financial, its agents, employees or registered representatives. Prospective purchasers should consult their professional tax advisors for details.

² Lapse Protection Benefit terminates on maturity date (age 100), unless the Maturity Advantage Option is elected. This benefit may terminate earlier in some states. In Illinois, the Lapse Protection Benefit is called Death Benefit Protection. This guarantee is dependent upon the claims-paying ability of Manulife USA and in no way guarantees the performance of the investment options you select or the principal value of your investment. The Lapse Protection Benefit is not available when the initial premium payment equals less than 100% of the Guideline Single Premium or if outstanding policy debt is greater than the policy's cash surrender value.

³ Maturity Advantage Option must be requested in writing. Interest will be credited without deduction of any insurance-related expenses.