ManuInvest Duo
Accumulate your wealth while protecting your lifestyle.
About this plan
ManuInvest Duo is an investment-linked plan that helps you grow your wealth while providing life insurance protection. With access to professionally managed funds, flexible premium payment options and policy bonuses, it supports your long-term financial goals while helping you stay prepared for life's uncertainties.
Why should you get it?
A complete life plan should help you work towards wealth accumulation and protection goals. ManuInvest Duo is a flexible regular-premium investment-linked policy designed to help you build wealth while protecting what matters most. Dictate the tempo of your investments with your choice of professionally managed funds and choose your Minimum Investment Period (MIP) of 10, 15 or 20 years to create a plan that aligns with your financial priorities.
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Welcome Bonus1 Get a boost to your investment with a higher Welcome Bonus when you choose a higher coverage and a longer Minimum Investment Period
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Coverage2 Choose your protection amount up to 100x of your first-year premium for death, terminal illness and total and permanent disability
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Partial Withdrawal3 From policy year 6, up to 20% of total basic premiums and top-up premiums paid in the previous policy year can be accessed at a low transaction fee of S$50
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Make Your Investment Work Harder 100% of your regular basic premiums paid will be put to purchase fund units
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Loyalty Bonus2 Awarded every year from policy year 7, and increases to up to 0.8% after the end of your chosen Minimum Investment Period
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Premium Flexibility4 In times of emergency, take a break from paying premiums for a period of up to 24, 36 or 48 months, depending on your chosen Minimum Investment Period
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Receive Payouts Get a regular stream of income5 when you invest in dividend-paying funds
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Optional Add-Ons Get additional protection with optional critical illness and early critical illness coverage
Learn more about ManuInvest Duo
ManuInvest Duo offers investment opportunities and life protection in a simple, structured way. Here’s how the plan works:
Step 1: Choose your investment period
Select a Minimum Investment Period of 10, 15, or 20 years to match your financial goals and preferred investment horizon.
Step 2: Invest through regular premiums
Your regular basic premiums are used to purchase units in your selected funds, helping you build your investment portfolio over time.
Step 3: Select your protection coverage
Choose the protection amount that suits your needs, with coverage for death, terminal illness and total and permanent disability, giving you added security.
Step 4: Grow your wealth with flexibility
Access investment options that help you work towards your wealth accumulation goals while adjusting your strategy as your needs change.
Step 5: Receive additional benefits
Enjoy features such as bonuses, potential income opportunities from dividend-paying funds and optional add-ons for enhanced protection, subject to policy terms.
ManuInvest Duo may be suitable if you:
Want your wealth-building and protection needs covered in one plan, instead of managing separate solutions.
Need protection for your loved ones while pursuing your financial goals, with coverage that may provide meaningful financial support should the unexpected happen.
Value flexibility to adapt as life changes, with options to choose your preferred premium commitment, level of protection and investment funds.
Have a long-term investment horizon and are comfortable investing in market-linked funds to pursue greater wealth accumulation potential.
Frequently asked questions
ManuInvest Duo allows you to choose from available investment funds based on your investment preferences. Customers are entitled to an unlimited number of free fund switches during the policy term.
Yes, ManuInvest Duo provides a partial withdrawal option from policy year 6. You can access up to 20% of the total basic premiums and top-up premiums paid in the previous policy year, subject to a S$50 transaction fee and policy terms.
Yes, you can receive a regular stream of income when you invest in dividend-paying funds, subject to distribution rate and frequency of the chosen ILP sub-fund(s).
Terms and conditions apply. Please refer to the Product Summary for more information.
1. Credited into your policy in the first 12 months upon receipt of each regular premium payment in the form of additional units.
2. Terms and conditions apply. Please refer to the Product Summary for specific definitions.
3. Starting from policy year 6 until the end of Minimum Investment Period, up to 20% of the previous policy year’s total basic premium and top-up premiums paid can be withdrawn at a transaction fee of S$50.
4. Premium Flexibility Benefit refers to the total amount of regular basic premium that can be missed without incurring a premium shortfall charge. This benefit starts from policy year 6 until the end of the Minimum Investment Period, subject to a maximum limit of 2 years of annualized premium for 10 years Minimum Investment Period, 3 years of annualized premium for 15 years Minimum Investment Period, and 4 years of annualized premium for 20 years Minimum Investment Period.
5. Subject to the distribution rate and frequency of the chosen ILP sub-fund(s).
ManuInvest Duo 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. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. Your investments are subject to investment risks, and you may lose the principal amount invested. The performance of the ILP sub-fund is not guaranteed. The value of the units in the ILP sub-fund and the accumulated income (if any) may fall or rise. 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 websites (www.lia.org.sg (opens in a new tab) or www.sdic.org.sg).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.
Information is correct as of 12 January 2020.