Investment-Linked Policies in Singapore
Reach your investment goals sooner with our investment-linked policies (ILPs) which generate potential investment returns with protection for life.
Find an investment-linked policy for you
Key benefits and features
Manulife investment-linked insurance plans (ILPs) in Singapore help you grow your wealth while staying financially secure.
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Dual benefits Build for the future with life insurance protection and investment opportunities
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Potential wealth accumulation Participate in the growth potential of investment funds over the long term
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Flexible fund choices Choose from professionally managed funds aligned with your risk profile and financial goals
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Diversification opportunities Access funds across different asset classes, sectors and geographies
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Flexibility as needs evolve Top up contributions or adjust fund allocations over time
Plan options and comparison
| Plan name | Coverage and purpose | Key features | Ideal for |
Manulife InvestReady (III)
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A regular‑premium investment‑linked insurance plan combining investment growth potential with life insurance protection.
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| Manulife InvestReady Growth | A whole‑life ILP that focuses on long‑term investment growth while providing life cover for death and terminal illness. |
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Those who want enhanced growth potential over the long-term with flexible investment options and consistent life protection. |
Manulink Investor (II)
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A single‑premium investment‑linked insurance plan with options to match your risk profile and investment journey.
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Those who prefer one‑off funding and simplicity in an investment‑linked insurance plan
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| SmartRetire (V) | A retirement-focused ILP designed to help you grow your nest egg with flexible payout options. |
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Those who planning ahead for retirement and looking to build wealth through disciplined, long-term investing. |
| ManuInvest Duo | A flexible ILP that balances wealth accumulation with customisable life protection. |
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Those who are seeking investment opportunities without compromising on life protection, and value the flexibility to adapt over time. |
Learn more about investment-linked insurance in Singapore
Investment-linked insurance, combines investment and insurance into a single policy. Policyholders can invest their premiums into their own choice of sub-funds provided by the investment-linked plans based on their investment strategy. The value of the policy is determined by the performance of the underlying investments, and policyholders can often switch between different funds to manage their investment portfolio. Investment-linked policies can potentially offer better returns than other savings instruments, with a higher level of risk involved, depending on the sub-funds selected.
No, ILP do not provide guaranteed returns. The investment performance and returns depend entirely on the chosen funds and market conditions.
Manulife ILPs cater to a variety of life stages and financial goals, offering flexibility and diversified investment options.
You want a structured way to invest while balancing family and financial responsibilities.
You are investing for future milestones such as retirement, education or legacy needs.
You are comfortable with investment risk in pursuit of higher potential returns.
You are seeking long-term investment growth potential with the added benefit of life coverage.
Choosing the right ILP helps you balance your protection needs with long-term investment goals. A structured approach ensures that your plan aligns with your life stage, financial profile and risk tolerance.
Assess your income level: Consider how much you can afford to invest regularly without affecting your financial stability and daily expenses.
Review your dependants: Determine whether your plan should provide protection for dependants in case of unforeseen events.
Understand your occupation: Evaluate whether your job exposes you to higher risks or affects your ability to make consistent premium payments.
Consider lifestyle risks: Factor in health history, hobbies, travel habits and other lifestyle elements that may affect risk exposure or investment horizon.
Check your existing insurance coverage: Review current life or health policies to identify gaps and ensure your ILP complements existing coverage.
Compare ILP plan features: Examine fund options, bonus structures and flexibility in premium payments or fund switching to find a plan suited to your long-term goals.
Consider optional riders: Some ILPs offer riders for additional coverage, such as critical illness or disability, which you can choose to add based on your needs.
Terms and conditions apply. Please refer to the respective Product Summary for a specific definition.
This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC.
This information is intended for general information only and does not constitute financial advice, insurance advice or a recommendation to purchase any insurance product.
Information is correct as of 14 August 2026.