Freedom PLUS: The Guaranteed Income Plan for High-Income Business Owners

As a high-income business owner, your financial strategy goes beyond growth—it’s about sustaining and preserving your wealth. While growth is essential, the security of stable, predictable income is equally vital, especially when markets fluctuate. Freedom PLUS by Manulife offers that guarantee, providing a steady flow of cash to complement your wealth-building efforts.

The Core Features of Freedom PLUS

Unlike typical insurance or investment-linked products, Freedom PLUS is designed specifically to offer guaranteed income payouts, ensuring you receive predictable returns, regardless of market conditions. Here’s why Freedom PLUS stands out:

• Guaranteed 10% payouts every two years, starting on the 7th or 11th policy year, depending on your payment plan.

• Maturity payout of 100% of your face amount when you turn 65 years old, or after the 20th policy year (for shorter plans).

• Potential non-guaranteed dividends, offering further growth potential.

This structure provides the peace of mind that your wealth remains secure while continuing to generate predictable income.

Freedom PLUS vs. Wealth Accumulation Products

While financial growth products like stocks, mutual funds, and UITFs are effective for wealth accumulation, they come with market volatility and risk. If you’re considering comparing Freedom PLUS to such investment vehicles, it’s important to understand that Freedom PLUS is not designed for aggressive growth but rather for wealth preservation.

Unlike accumulation products that rise and fall with the market, Freedom PLUS guarantees capital preservation and consistent payouts, making it the perfect solution for high-income individuals who prioritize stability and security.

The “Time Deposit” Comparison: How Freedom PLUS Measures Up

Freedom PLUS shares some characteristics with Time Deposits, especially when it comes to capital preservation, but it offers much more in terms of liquidity and flexibility. Let’s explore the differences:

Taxation:

• Time Deposits: Earnings are subject to 20% withholding tax for Peso accounts and 15% for Dollar accounts. Additionally, there’s a documentary stamp tax of ₱1.50 per ₱200.

• Freedom PLUS: Provides tax-free guaranteed payouts without the same tax burdens, ensuring more efficient wealth preservation.

Interest Rates:

• Time Deposits: Interest rates depend on the term, ranging from 0.5% to 6%, based on the bank and duration.

• Freedom PLUS: Instead of relying on interest rates, Freedom PLUS offers guaranteed payouts along with potential non-guaranteed dividends, ensuring steady cash flow and capital preservation.

Risk-Free Capital:

• Both Time Deposits and Freedom PLUS offer capital protection, but Time Deposits are eroded by inflation over time. Freedom PLUS adds a potential inflation hedge through dividend growth, making it a more flexible and secure option.

Why Time Deposits Can’t Compare to Freedom PLUS in Emergencies

While Time Deposits offer capital protection, they fall short in emergencies, where early withdrawal incurs penalties. Freedom PLUS, on the other hand, allows you to access policy loans from the cash value without penalties, ensuring liquidity when you need it.

Freedom PLUS: Who is This Plan For?

This product is designed for high-income business owners who value certainty in their financial planning. It’s ideal for those seeking to preserve their wealth while maintaining stable cash flow, rather than chasing high-risk growth products like stocks or mutual funds.

If you’re someone who prioritizes long-term financial stability over market-based gains, Freedom PLUS is a tailored solution that offers unparalleled protection for your assets.

Why Wealth Accumulation Products Aren’t Always the Answer

While products like stocks, real estate, and mutual funds focus on wealth accumulation, they carry risks that make them unsuitable for those looking for stability. Freedom PLUS is not an accumulation product—it’s a wealth preservation tool that guarantees predictable payouts, allowing you to focus on growth elsewhere while ensuring that your core wealth is protected.

Final Thought: Why Freedom PLUS is the Ultimate Choice for Preserving Wealth

Choosing Freedom PLUS isn’t about chasing market gains—it’s about creating a safety net for your wealth. As a business owner, your income can fluctuate, but Freedom PLUS provides a financial cushion through guaranteed payouts, protecting you from the uncertainties of life and the market.

If you’re ready to ensure long-term financial security with Freedom PLUS, contact us today to see how it fits into your wealth preservation strategy. Don’t wait for uncertainty—choose guaranteed financial stability today.

Schedule a Consultation Today to learn more about how Freedom PLUS can secure your financial future.

Premium Investment

Freedom PLUS requires a commitment, but the benefits far outweigh the investment:

•5 years pay plan: Php 28,000 - Php 33,000 per month.

•10 years pay plan: Php 12,000 - Php 15,000 per month.

•Face amount: Php 1,000,000, with 10% payouts (Php 100,000) every two years starting on the 7th or 11th policy year, depending on the pay variant.

By the time you reach the age of 65 or the 20th policy year (depending on your plan), you will receive the full face amount plus any accumulated non-guaranteed dividends.

Why Work With Us?

We work exclusively with business owners who understand the importance of preserving wealth, not just accumulating it. With a minimum investment of ₱30,000/month or ₱300,000/year for 5 years, our clients recognize that premium service comes with a price, and they are ready to invest in top-tier financial protection.

If you’re looking to grow wealth aggressively, other financial products might be a better fit. But if your focus is on protecting your wealth, Freedom PLUS offers unmatched certainty and security.

FAQ: Freedom PLUS, Wealth Accumulation, and Time Deposits

1. Can I compare Freedom PLUS to stocks or mutual funds?

No, Freedom PLUS is not designed for market growth like stocks or mutual funds. It’s built for wealth preservation, offering guaranteed payouts that don’t fluctuate with the market.

2. How does Freedom PLUS compare to Time Deposits?

Like Time Deposits, Freedom PLUS protects your capital, but it also provides guaranteed payouts and potential dividend growth, offering more flexibility and higher security during emergencies.

3. Is Freedom PLUS a good option for long-term wealth security?

Yes, Freedom PLUS provides stable cash flow through regular payouts, allowing you to secure your wealth without worrying about market volatility or losing capital.

4. Can I access my funds during emergencies?

Yes, Freedom PLUS offers access to your cash value through policy loans, ensuring liquidity without penalties, unlike Time Deposits.

Conclusion: How Certainty and Growth Work Hand-in-Hand

In financial planning, business owners know that both growth and security are critical components of a successful strategy. Freedom PLUS doesn’t require you to choose between the two. Instead, it provides a foundation of certainty through guaranteed payouts, allowing you to protect the wealth you’ve worked hard to build while still pursuing growth through other investments.

By safeguarding your core assets with Freedom PLUS, you ensure that you have the stability and liquidity needed to capitalize on growth opportunities—without worrying about market volatility. It’s about creating a balanced financial ecosystem where your wealth is both protected and continues to grow.

With Freedom PLUS, you gain the peace of mind that allows you to focus on what you do best—growing your business and building your legacy.

Complete details HERE!