Manulife InvestReady Growth

Terms and Conditions apply. Please refer to the respective Product Summaries for more information about these insurance plans.

1. Subject to the distribution rate and frequency of the chosen InvestReady Growth funds. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.
2. Coverage against death and terminal illness up to policy anniversary immediately after the 99th birthday of the life insured.
3. 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.
4. A one-time Annual Premium Bonus will be given for selected MIP options if the first regular basic premium is paid via annual premium payment mode. If there is any change in the mode of premium payment from annual to non-annual during the premium shortfall period, the Annual Premium Bonus will be deducted from the account value. 
5. A one-time Annual Premium Bonus will be given if the first regular basic premium is paid via annual premium payment mode.
6. Account values must include all partial withdrawals, any withdrawal of reinvested dividends and dividends payout, and any cost of insurance deducted.
7. Flexibility to vary regular basic premium from the Flexi Start Date of the respective Manulife InvestReady Growth plans.
8. When policy is in force, premium bonuses are given when regular basic premiums are paid on and after Flexi Start Date and any accumulated partial withdrawal (excluding withdrawal of reinvested dividends) after end of MIP is not more than the first-year annualised basic premium.
9. To qualify for loyalty bonus, policy must be in force at the point of bonus payment and no partial withdrawal and withdrawal of reinvested dividends made in the preceding 12 consecutive months from the loyalty bonus declaration date for any policy year.
10. Total premiums paid include total basic premiums paid and top-up premiums, less any withdrawals.

Important Notes

Manulife InvestReady Growth, Manulife InvestReady (III) and its 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 Growth and InvestReady Fund(s) is/are 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 Growth and 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 Growth and 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 Growth and InvestReady Fund(s) may result in an immediate decrease in the net asset value per unit. You should read the Prospectuses and the Product Highlights Sheet and seek financial advice before deciding whether to purchase units in the InvestReady Growth and InvestReady 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 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 17 July 2025.