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Exercise caution and remain vigilant against scammers posing as Manulife Singapore staff or financial representatives, or government officials.

Manulife Singapore staff and our financial representatives are committed to ensuring your security, and we will:
1. Never call on behalf of the Monetary Authority of Singapore (MAS).
2. Never request money transfers on behalf of MAS.
3. Never ask for money transfers to any bank account over the phone. For payment of premiums, do refer to https://www.manulife.com.sg/en/self-serve/make-payment.html for our official payment channels.
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If you have any doubts or concerns, please contact our hotline at 6833 8188 (available 9am – 5pm, Mon-Fri, excluding public holidays) or submit a form here for assistance.

For more information, please visit https://www.manulife.com.sg/en/cybersecurity-advisory.html.

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Important Notice

Exercise caution and remain vigilant against scammers posing as Manulife Singapore staff or financial representatives, or government officials.

Manulife Singapore staff and our financial representatives are committed to ensuring your security, and we will:
1. Never call on behalf of the Monetary Authority of Singapore (MAS).
2. Never request money transfers on behalf of MAS.
3. Never ask for money transfers to any bank account over the phone. For payment of premiums, do refer to https://www.manulife.com.sg/en/self-serve/make-payment.html for our official payment channels.
4. Never request for your personal or financial credentials, such as passwords, one-time PINs (OTPs), or security codes, via phone or email.

If you have any doubts or concerns, please contact our hotline at 6833 8188 (available 9am – 5pm, Mon-Fri, excluding public holidays) or submit a form here for assistance.

For more information, please visit https://www.manulife.com.sg/en/cybersecurity-advisory.html.

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Access to a diverse selection of funds in SGD or USD1.

What is Manulife InvestReady (III)?

Manulife InvestReady (III) is a whole-life regular-premium investment-linked plan designed for those looking to grow their wealth through portfolio diversification. Enjoy flexible premium payment options and maximise your growth potential with added bonuses and access to a diverse selection of funds, alongside the option of additional protection against life’s uncertainties.

How does it work?

100% of the regular basic premiums paid will be invested in fund(s) units of your choice. At the same time, you will be covered2 against death and terminal illness. 

Select from 2 plans – Manulife InvestReady (III) Plus or Manulife InvestReady (III) to cater to your own financial needs and priorities. 

What is the difference?

 

Manulife InvestReady (III) Plus

Manulife InvestReady (III)

Who is it for?

Suitable for customers who prefer to maximise their investment potential by not withdrawing their dividend payouts during the Minimum Investment Period (MIP)9

Suitable for customers who prefer the option to take control of their dividends

Welcome Bonus 

Receive up to 55% additional Welcome Bonus units in the first policy year

Receive up to 45% additional Welcome Bonus units in the first policy year4


Step-up Booster Bonus

After MIP, if the effective account value is equal to or lower than the total regular basic premiums paid and any top-up premiums paid, receive a boost in the form of additional bonus units that increases every 5 years5  

Not applicable

Waiver of partial withdrawal charge at life’s major milestones

Enjoy waiver of partial withdrawal charges6 during any of your fi­ve big milestones7, such as your child’s birth, purchase of a new property or retirement

Not applicable

Withdrawal of accumulated reinvested dividends during MIP 

Not applicable

 Flexibility to withdraw any accumulated reinvested dividends8 from dividend-paying funds at any time without charges

Choice of Currency Available in Singapore Dollar (SGD) only Availabe in Singapore Dollar (SGD) or United States Dollar (USD)

Talk to our financial consultant

Why should you get this plan?

Access multiple funds with a single plan. Starts from S$3002/month or US$6,000/year14

 

Choose between SGD and USD1, with the option to vary your regular basic premium and top up your premium

Receive bonuses at these key stages

  • Welcome Bonus: Get a head start with additional bonus units in the first policy year4
  • Annual Premium Bonus: Receive additional bonus units in the first policy year when you pay premiums annually11 
  • Loyalty Bonus: Enjoy yearly loyalty bonus12 after the end of your chosen Minimum Investment Period (MIP)

Invest in a diverse range of funds

Receive a coverage at a higher of 101% of your total premiums paid13 or total account value in the event of death or terminal illness. 

Premium waiver benefit15 riders against cancer, critical illness, terminal illness, and total and permanent disability. 

 

ReadyCare Riders16 offer added coverage for death, terminal illness, hospitalisation, and/or critical illness benefits—giving you greater peace of mind when it matters most.

Footnotes

Terms and Conditions apply. Please refer to the respective product summaries for more information.

1. Not applicable for Manulife InvestReady (III) Plus Plan and Manulife InvestReady (III) MIP 13 Years Flexi 10.

2. Applicable to Manulife InvestReady (III) Plus and Manulife InvestReady (III) SGD MIP 13 Years Flexi 10.

3. Coverage against death and terminal illness up to policy anniversary immediately after the 99th birthday of the life insured.

4. Welcome Bonus will be given in the form of additional units based on a rate of the first 12 months regular basic premiums paid, excluding top-up premiums. The additional units are payable according to your pre-specified basic premium allocation.

5. Step-up Booster Bonus will be given when all conditions are met:

(i) effective account value (i.e. account value plus sum of partial withdrawals, dividend payouts (if any) and cost of insurance deducted) at the end of MIP and at the end of each policy year thereafter, until the end of policy term, is equal or lower than total regular basic premiums plus any top-up premiums;

(ii) regular basic premiums are paid in full before flexi start date; and

(iii) policy is in force at the point of bonus payment.

6. Starting from policy year 6 and before the end of MIP, the partial withdrawal charge will be waived if the partial withdrawal is due to a life stage event. The maximum limit for each request is 20% of the account value, minus past life stage partial withdrawal.

7. Refers to any of the following life stage events:

(i) when the life insured attains age 21 or 65;

(ii) when the life insured or life insured’s child enrolls in tertiary education;

(iii) when there is any change of marital status of the life insured, such as when the life insured marries, divorces or becomes a widow;

(iv) when the life insured becomes a parent by having a newborn child or legally adopting a child; or

(v) when the life insured purchases a residential property.

8. Subject to the distribution rate and frequency of the chosen InvestReady funds. The dividend will be paid either in SGD or USD depending on the currency of your chosen plan. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.

9. Any dividends from dividend-paying funds will be reinvested during MIP. After MIP, customers have the option to either continue reinvesting potential dividends or withdraw potential dividends from dividend-paying funds.

10. Flexibility to vary the regular basic premium from the flexi start date of the respective plans.

11. A one-time Annual Premium Bonus will be given for selected MIP options (not applicable to MIP 5 Years Flexi 1, MIP 6 Years Flexi 2 and MIP 7 Years Flexi 5) if the first regular basic premium is paid via annual premium payment mode.

12. Loyalty Bonus will be given during the policy term starting from the policy anniversary immediately after the end of the MIP and every policy anniversary thereafter, in the form of additional units based on 0.3% of the account value (not applicable to MIP 5 Years Flexi 1 and MIP 6 Years Flexi 2).

13. Total premiums paid include total basic premiums paid plus any top-up premium, less any withdrawals.

14. Applicable to Manulife InvestReady (III) USD MIP 10 Years Flexi 3, MIP 10 Years Flexi 5 and MIP 10 Years Flexi 8.

15. Applicable to Manulife InvestReady (III) Plus and Manulife InvestReady (III) SGD (except MIP 5 Years Flexi 1).

16. Applicable only to Manulife InvestReady (III) SGD.

Important notes

Manulife InvestReady (III) and Manulife InvestReady (III) Plus and their supplementary benefits 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 InvestReady Fund(s) is not guaranteed. The unit prices and any income accruing to it may fall as well as rise. The Fund Managers shall have the absolute discretion to determine whether a distribution is to be made in respect of the InvestReady 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 InvestReady 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 InvestReady 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 InvestReady Fund(s). A copy of the prospectus and the product highlights sheet can be obtained from Manulife's appointed distributor.

This brochure 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 brochure is also available in Chinese. If there are any differences between the English and Chinese versions of this brochure, the English version will apply.

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 (www.lia.org.sg or www.sdic.org.sg).

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 at 14 September 2025.

Want to find out more about Manulife InvestReady (III)? 

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

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    • You acknowledge that you authorise and consent to Manulife (Singapore) Pte Ltd ("Manulife) (including employees and Representatives of Manulife) to collect, use, disclose and retain your personal data for the purpose of receiving notifications via SMS(es) and email(s) to service your request; and
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