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Diversify your portfolio with access to a diverse range of funds

Why should you get this plan?

Limited time offer.

Enjoy up to 1% Additional Welcome Bonus on Basic Premium for selected plan types. T&Cs apply.

Diversify your portfolio with a single plan. Manulife InvestReady (III) is a whole-life regular premium investment-linked plan that offers access to a diverse range of funds including dividend-paying funds for a stream of potential income. Additionally, we help your investment work harder with welcome bonus, annual premium bonus1, and yearly loyalty bonus2.

Make Your Investment Work Harder

Select from a diverse range of funds to build an effective portfolio to achieve your financial goal


Welcome Bonus: Get a head start with additional bonus units in the first policy year

Annual Premium Bonus: Receive additional bonus units in the first policy year when you pay premiums annually1

Loyalty Bonus: Enjoy yearly loyalty bonus2 after the end of your chosen Minimum Investment Period (MIP)


Option to vary your regular basic premium3, top-up your premium and withdraw the accumulated reinvested dividends (if any) at any time

Portfolio Diversification

Select from a diverse range of funds to build an effective portfolio to achieve your financial goal

Receive Payouts

Starting from the first year, receive potential income when you invest in dividend-paying funds4


Be covered5 against death and terminal illness at a higher of 101% of your total premiums paid6 or account value

Optional Add-Ons

Get additional protection7 with optional premium waiver benefit riders covering cancer, critical illness, terminal illness, and total and permanent disability


1. A one-time Annual Premium Bonus will be given if the first premiums 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.

2. Loyalty Bonuses vary in accordance with the MIP selected. Terms and conditions apply. Please refer to Product Summary for more information.

3. Flexibility to vary the regular basic premium from the flexi start date of the respective Manulife lnvestReady (Ill) plans.

4. 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.

5. Coverage against death and terminal illness up to policy anniversary immediately after the 99th birthday of the life insured. Terms and conditions apply. Please refer to Product Summary for more information.

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

7. 0ptional supplementary benefits are not applicable for MIP 5 Years Flexi 1 (SGD and USD).

8. Partial withdrawal charge applies if you request for partial withdrawal during MIP. This charge does not apply to withdrawal of accumulated reinvested dividends (if any).

9. The prevailing top-up charge is 0%. Manulife reserves the right to vary the charge and will give you advance notice.

10. Applicable to MIP 10 Years Flexi 3, MIP 10 Years Flexi 5, MIP 10 Years Flexi 8, MIP 13 Years Flexi 10 and MIP 20 Years Flexi 10 in the low annualised premium band. Please refer to Product Summary for more information.

Important notes

Manulife lnvestReady (Ill) 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 lnvestReady 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 lnvestReady 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 lnvestReady 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 lnvestReady 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 lnvestReady Fund(s). A copy of the prospectus and the product highlights sheet can be obtained from a Manulife Financial Consultant or its 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. 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 .( or

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

Information is correct as of 20 November 2022

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