GoalReady: goal-based savings plan with insurance
Turn your life goals into milestones with a smart savings plan.
What is Manulife GoalReady?
Manulife GoalReady is a smart and affordable life insurance savings plan combining insurance protection with investment benefits. This whole life insurance plan empowers you to take control of your future with goal-based payments, grow your wealth and achieve long-term savings accumulation through our expertly managed global and local funds, and get better value for your money over time.
Whether you’re preparing for retirement, securing your child’s education, or pursuing your personal passions, Manulife GoalReady helps you build a better, more confident tomorrow—starting today.
Plan key benefits and features
Manulife GoalReady is more than just a savings plan—it’s a powerful financial tool that combines life insurance protection with robust investment opportunities. Here’s what makes GoalReady an ideal choice for your financial goals:
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Investment growth potential With access to diverse investment options, including expertly managed global and local funds, you can potentially grow your savings over time. Choose from portfolios with low, moderate, or high-risk exposure based on your financial goals and risk tolerance.
Learn more about our funds. -
Goal-based savings Tailored to meet your personal goals, whether it's securing your child’s education, planning for retirement, or expanding your business, GoalReady offers flexible, goal-based payment options to fit your unique needs.
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Flexible payment terms Choose the duration and amount that fits your lifestyle. Whether you prefer a 5-year pay period or a longer-term plan, GoalReady offers flexible payment options to help you stay on track with your financial goals and take advantage of market ups and downs.
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Loyalty bonus Go long-term and grow your money further with a bonus. The longer you keep your policy, the more you earn.
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Life insurance coverage GoalReady combines life insurance with a long-term investment plan. Get life coverage up to age 99*, which ensures financial security for you and your loved ones.
*Or until your fund value is depleted. -
Additional protection riders Customize your plan by adding optional health and protection riders, safeguarding your savings in case of hospitalization, disability, or other unforeseen circumstances.
What does GoalReady cover?
Coverage type |
Description |
Life insurance coverage |
Provides life insurance protection with a death benefit payable to beneficiaries, helping secure your family’s financial future. Coverage can extend up to age 99, subject to policy terms. |
Investment component |
A portion of your premium is allocated to professionally managed investment funds, allowing your savings to grow while you stay insured. |
Goal-based savings |
Designed as a goal-based savings plan with insurance, supporting long-term goals such as education, retirement, or personal milestones. |
Optional health & protection riders |
Allows you to enhance coverage with optional riders that may help protect your savings in case of hospitalization, disability, or accidental events. |
Loyalty bonuses |
Rewards long-term commitment with loyalty bonuses credited to your fund value after specific policy years, subject to conditions. |
Who should consider this plan?
Manulife GoalReady may be suitable if you:
- Want life insurance with investment to protect your loved ones while growing your savings over time.
- Are planning for long-term financial goals, such as your child’s education, retirement, or personal milestones.
- Prefer a goal-based savings plan with insurance that allows flexible payment options based on your budget and timeline.
- Have a moderate to long-term investment horizon and are comfortable with market-linked fund performance.
- Want flexibility in managing your savings, with access to professionally managed global and local investment funds.
- Are looking for a structured yet flexible financial plan that adapts as your goals and priorities change.
Frequently asked questions
A goal-based savings plan with insurance like GoalReady helps you set aside funds regularly and invest them over time, allowing your savings to grow while providing life insurance protection for your family.
Here’s a sample savings plan, Iris, a 35-year-old mom, chose GoalReady for her education plan in the Philippines to save over 15 years for her daughter’s dream of becoming a doctor.
Projected fund value started from age 3:
- Age 9: PHP 1.01M
- Age 10: PHP 1.25M (with bonuses)
- Age 17: PHP 3.59M
Download the product brochure for more details and case studies of GoalReady.
GoalReady allows you to build long-term savings through professionally managed investment funds while staying protected, helping you grow your retirement savings at your own pace.
Take Frank as a savings example, a 27-year-old professional, who chose GoalReady to save over 15 years for his dream retirement beach house.
Projected fund value started from age 27:
- Age 32: PHP 413,609
- Age 33: PHP 534,415 (with bonuses)
- Age 42: PHP 2.366M
Download the product brochure for more details and case studies of GoalReady.
Variable Universal Life Insurance (VUL) is defined as a type of life insurance that combines the flexibility of life coverage with the investment opportunities. A variable life insurance plan means that your premium payments are invested in your chosen investment fund/s forming your Account Value. Your Account Value is the non-guaranteed, investment component of your policy, also referred to as “Living Benefits”. Since the Account Value depends on the performance of your chosen fund/s, it is subject to market fluctuations. This makes variable universal insurance an attractive choice for those who want the flexibility of universal life insurance and the investment options of variable life insurance in a single plan.
If you cancel the policy, you may receive the fund value, subject to applicable charges, policy terms, and market conditions.
Yes. GoalReady offers flexible payment options, allowing you to choose how long you want to pay based on your financial goals and budget.
GoalReady helps grow your savings by investing a portion of your premiums in expertly managed global and local investment funds, with the potential to earn loyalty bonuses over time, subject to policy conditions.
Read up on Investments in our blog
Want to plan for your future today?
Talk to a financial advisor today!