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Diversify your portfolio with access to a diverse range of funds

Why should you get this plan?

Diversify your portfolio with a single plan. Manulife InvestReady (III) is a whole-life regular premium investment-linked plan that offers both protection and investment benefits. Get 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.

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

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 any accumulated reinvested dividends4 at any time

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

Starting from the first policy 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

ReadyCare Riders8:

Get additional protection coverages for death, terminal illness, hospitalisation and/or critical illness benefits


Premium Waiver Benefit Riders:

Enjoy premium waiver covering cancer, critical illness, terminal illness and total and permanent disability

Protect yourself when you invest.

Add-on ReadyCare Riders with Manulife InvestReady (III) today!


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

1 A one-time Annual Premium Bonus will be given for selected 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.

2 Loyalty Bonuses vary in accordance with the MIP selected.

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.

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

7 Optional premium paying supplementary benefits are not applicable for MIP 5 Years Flexi 1 (SGD and USD). ReadyCare Riders are not applicable for MIP 5 Years Flexi 1 (USD).

8 Protection coverage for ReadyCare Riders is up to before the policy anniversary immediately after the life insured’s 85th birthday.

Important notes

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 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 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 ( 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 at 02 July 2023.

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