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Flexibility + Control in one retirement insurance plan

Why should you get it?

Limited time offer.

Invest today and enjoy up to 25% Additional Welcome Bonus on Basic Premium. T&Cs apply.

Take the fast-tracked road trip to retirement with Manulife SmartRetire (III)—a whole-life, regular-premium, investment-linked policy that’s customisable to your goals and budget. Retire with a lump sum or stream of income from as early as age 40, and plan your journey to the tee with our curated suite of funds. With premiums as low as S$200¹ per month, seize life's best moments and let your passion soar. That's every day better.



Protection for death, Total and Permanent Disability (TPD), and Waiver of Premium Benefit on Cancer (for the policyowner)

Refund of Cost of Insurance (COI)3

COI charged during the course of your policy will be refunded to you if protection benefits are not utilised

Protection for Total Target Retirement Goal

Protection amount will be bumped up to your total target retirement amount during the accumulation period


Get a Welcome Bonus from the start, and yearly Loyalty Bonuses during the accumulation and retirement period

Want to find out more?

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    1. Applies to plans with a MIP of 16 years.

    2. Terms and conditions apply. Please refer to Product Summary for specific definitions.

    3. If the death and waiver of premium benefit on cancer are not claimed during Minimum Investment Period, the cost of insurance charged will be refunded in units during Accumulation Period over 5 policy years. If the death and TPD benefit are not claimed during Accumulation Period, the cost of insurance charged will be refunded in units during Retirement Period over 5 policy years.

    4. Welcome bonus will be credited into your account in the first 12 months upon receipt of each regular basic premium payment in the form of additional units. Yearly Loyalty Bonus will be paid starting from the next policy anniversary immediately after the end of Minimum Investment Period and every year thereafter until the end of the policy term in form of additional units. Terms and Conditions apply. Please refer to Product Summary for specific definitions.


    Important notes

    Manulife SmartRetire (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 Manulife SmartRetire (III) 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 Manulife SmartRetire (III) 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 Manulife SmartRetire (III) 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 Manulife SmartRetire (III) 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 Manulife SmartRetire (III) 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 web-sites ( or

    We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors, or visit any DBS/POSB Branch before making a commitment to purchase a policy.

    Information is correct as of 23 August 2021.

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