GoalReady
Turn your life goals into milestones with 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 wealth accumulation through our expertly managed global and local funds, and get better value for your investment 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.
Why should you get it?
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Boost your earning potential with diverse investment options Choose from a wide range of high-performing global and local funds tailored to your goals and risk appetite. Our expertly managed funds help you make the most of your money’s growth potential.
Learn more about our funds -
Grow your savings with long-term bonus The longer you save, the more you earn. Enjoy a 1.75% loyalty bonus on your fund value from policy years 6 to 10, with continued bonuses starting in year 11 and beyond*, and additional units as reward for keeping your money in the long-term.
*Get a 1.75% bonus on your fund value from the end of the 6th policy year to the 10th year. From policy year 11 onwards, get a 0.75% bonus on your fund value.
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Start your journey with flexible, goal-based payments Choose a payment duration that fits your lifestyle—whether it’s 5 years or longer—so you can stay on track with your goals at your own pace. Get freedom to add top-ups so you can take advantage of market ups and downs, gradually building your investment over time.
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Protect your goals with life insurance coverage Stay secured in your journey with affordable whole life insurance coverage up to age 99*. Add optional health and protection riders to safeguard your savings in case of hospitalization or disability—so your goals stay within reach, no matter what.
*Until age 99 or until your fund value is depleted.
Learn more about GoalReady as a life and savings insurance
GoalReady helps you prepare for your child’s education savings plan while providing life protection. 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.
While your company retirement savings plan in the Philippines provides the basics, GoalReady is a low-cost life insurance that helps you take control of your retirement goals and build the future you truly want. 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 universal life coverage with the investment opportunities of variable life insurance. A variable universal life policy allows you to adjust premiums and coverage while investing in sub-accounts, giving you both protection and growth potential. 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.
The key difference between universal life insurance and variable universal life insurance (VUL insurance) is how the cash value grows. Universal life offers flexible premiums and death benefits with interest credited at a fixed or declared rate, providing stability. In contrast, VUL life insurance combines these flexible features with investment options from variable life policies, allowing you to invest in sub-accounts tied to market performance. A VUL policy offers higher growth potential but carries market risk. Understanding VUL in insurance helps you decide if this option fits your financial goals, and GoalReady is one example of a VUL plan designed to help you achieve them.
Want to plan for your future today?
Talk to a financial advisor today
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