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Is your future more financially secure than half of the Singaporeans?

Achieving your financial goals – a new house, your children's education, or retirement – is more than growing wealth. It means you and your loved ones are safe and present to enjoy the fruits of your labour, even when unexpected events like critical illness or hospitalisation happen.

53% of Singapore respondents citing healthcare costs as a risk to their financial goals, according to Manulife Asia Care Survey 20231.

Your financial life goals deserve protection, like your valuable phone needs the right case for protection. Just like you, we take care of what matters most. 


Need guidance from our experts? 

Invest and Protect with just one plan

Build your wealth and protection coverage with Manulife InvestReady (III) with ReadyCare Riders2, a whole-life regular premium investment-linked plan that offers diverse investment opportunities to build your wealth and enhanced protection coverage against the unexpected.


Key Features & Benefits


Manulife InvestReady (III)

100% of your regular basic premiums will be invested in fund(s) units of your choice.

Enjoy welcome bonus, annual premium bonus3, and loyalty bonus4 to boost your investment.

Receive potential income with dividend-paying funds5 starting from first year.

Flexible to manage investment portfolio according to your risk appetite.


ReadyCare Riders

4 types of protection benefits: death, terminal illness, critical illness and/or hospitalisation benefits available – choose what suit your needs.

Use existing investment value to fund protection coverages.

Enjoy protection coverage until age 85.


Paul, aged 25, just graduated with an Accountancy degree and started his first job as Accountant. Growing up in a single family with a family history of cancer, he realizes the importance of securing his financial future with comprehensive coverage against potential critical illness risks and protection for his loved ones in the event if he passes away unexpectedly. 

Paul met with a Manulife financial consultant and brought the Manulife InvestReady (III) plan with an All-in-One ReadyCare Rider. 

At the age of 80, Paul passed on, his loved ones received the death benefit from Paul’s Manulife InvestReady (III) Plan and ReadyCare All-in-One Rider:

How Manulife InvestReady (III) with ReadyCare Rider can help Paul

At age 25

Paul buys Manulife InvestReady 13 Years Flexi 10 plan and ReadyCare All-in-One Rider for the financial security of his loved ones in case of his death, terminal illness, critical illness and hospitalisation before he turns 85

At age 38

Paul met a car accident and received the hospital benefit under the ReadyCare All-in-One Rider.

In the same year, he contracted critical illness and received benefit under the ReadyCare All-in-One Rider.

At age 55

Paul achieved financial goals from Manulife InvestReady (III), continues Manulife InvestReady plan as legacy for his loved ones.

At age 80

Paul passed on at the age of 80, his loved ones received the death benefit from Paul's Manulife InvestReady (III) Plan with ReadyCare All- in-One Rider.

Meet Paul: a 30-year-old accountant who purchased the Manulife InvestReady (III) plan with ReadyCare All-in-One Rider tailored to his financial goals and protection needs until the age of 85. 

How the plan works for Paul at different milestones:


Please refer to our brochure to find out more about Manulife InvestReady (III) with ReadyCare Rider

Need guidance from our experts? 

Understanding what you need is the first step toward formulating a solid strategy. 

Connect with our financial consultants, and let us assist you to: 

  • identify your financial and protection gaps, and
  • provide personalised financial advice to achieve your goals.

Let's arrange for a no obligation chat with our financial consultant now!

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    Terms and conditions apply, please refer to the respective Product Summaries and Policy Contracts for specific definitions.



    1. Manulife Asia Care Survey, 2023 (

    2. ReadyCare Term Rider – covers Death/Terminal Illness (TI); ReadyCare Term and Hospitalisation Rider – covers Death/TI + Hospitalisation; ReadyCare Term and All Stages CI Rider – covers Death/TI + Critical Illness; ReadyCare All-in-One Rider – covers Death/TI + Hospitalisation + Critical Illness.

    3. A one-time Annual Premium Bonus will be given for selected Minimum Investment Period (MIP) options if the first basic premium is paid via annual premium payment mode. If there is any change in mode of premium payment from annual to non-annual during the premium shortfall charge period, the Annual Premium Bonus will be deducted from the account value.

    4. Loyalty Bonuses vary in accordance with the Minimum Investment Period (MIP) selected.

    5. Subject to the distribution rate and frequency of the chosen InvestReady Funds. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.


    Important notes

    These insurance products are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore.  Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be zero or less than the total premiums paid. Your investments are subject to investment risks, and you may lose the principal amount invested. The performance of the ILP fund(s) is not guaranteed. The value of the units in the ILP fund(s) and the accumulated income (if any) may fall or rise. The Fund Managers shall have the absolute discretion to determine whether a distribution is to be made in respect of the ILP fund(s) as well as the rate and frequency of distributions to be made. The intention of the Fund Managers to make the distribution and the distribution yield for the ILP fund(s) is not guaranteed, and the Fund Managers may review the distribution policy depending on prevailing market conditions. Distributions may be made out of income, net capital gains and/or capital. Past distribution yields and payments are not necessarily indicative of future distribution yields and payments. Any payment of distributions by the ILP fund(s) may result in an immediate decrease in the net asset value per unit. You should read the prospectus and the product highlights sheet and seek financial advice before deciding whether to purchase units in the ILP Fund(s). A copy of the prospectus and the product highlights sheet can be obtained from a Manulife Financial Consultant or our Appointed Distributors.

    This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. 

    This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or

    We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.

    Information is correct as of 19 September 2023.