The Non-zero positive Residual Additions (NRA), if any, will be credited at the end of each year, starting from the end of fifth policy year. (reliancenipponlife.com)
By keeping your policy in - force, you earn bonus interest on the money in your policy every year starting on your fifth policy anniversary (manulife.ca)
Earn bonus interest on the money in your policy every year starting on your fifth policy anniversary (manulife.ca)