Manulife InvestReady (III)

An investment-linked plan combines life insurance protection with investment opportunities by investing your premiums into selected funds. Manulife InvestReady (III) provides both life protection and fund-based investment options within a single plan.

The value of your investments may rise or fall depending on market conditions and the performance of the funds you choose. If your funds decrease in value, your policy account value may also be affected. As investment returns are not guaranteed, you may receive less than the amount you have invested. We recommend reviewing your investments regularly and speaking to a financial consultant if you need guidance.

There is no fixed or guaranteed return on an investment-linked insurance policy. The performance of your policy depends on the investment funds selected, their underlying investments, and market conditions. As returns vary across funds and over time, the actual investment outcome cannot be predicted in advance. 

Terms and conditions apply. Please refer to the respective product summaries for more information.

1. Not applicable to Manulife InvestReady (III) Plus Plan and Manulife InvestReady (III) MIP 13 Years Flexi 10. 

2. Applicable to Manulife InvestReady (III) Plus and Manulife InvestReady (III) SGD MIP 13 Years Flexi 10.

3. Coverage against death and terminal illness up to the policy anniversary immediately after the 99th birthday of the life insured. 

4. Welcome Bonus will be given in the form of additional units based on a rate of the first 12 months' regular basic premiums paid, excluding top-up premiums. The additional units are payable according to your pre-specified basic premium allocation.

5. Step-up Booster Bonus will be given when all conditions are met: 

    (i) effective account value (i.e. account value plus sum of partial withdrawals, dividend payouts (if any) and cost of insurance deducted) at the end of MIP and at the end of each policy year thereafter, until the end of policy term, is equal to or lower than total regular basic premiums plus any top-up premiums;

    (ii) regular basic premiums are paid in full before the flexi start date; and 

    (iii) policy is in force at the point of bonus payment.

6. Starting from policy year 6 and before the end of MIP, the partial withdrawal charge will be waived if the partial withdrawal is due to a life stage event. The maximum limit for each request is 20% of the account value, minus past life stage partial withdrawal. 

7. Refers to any of the following life stage events:

    (i) when the life insured attains age 21 or 65; 

    (ii) when the life insured or life insured’s child enrols in tertiary education;

    (iii) when there is any change of marital status of the life insured, such as when the life insured marries, divorces or becomes a widow; 

    (iv) when the life insured becomes a parent by having a newborn child or legally adopting a child; or

    (v) when the life insured purchases a residential property. 

8. Subject to the distribution rate and frequency of the chosen InvestReady funds. The dividend will be paid either in SGD or USD, depending on the currency of your chosen plan. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.

9. Any dividends from dividend-paying funds will be reinvested during MIP. After MIP, customers have the option to either continue reinvesting potential dividends or withdraw potential dividends from dividend-paying funds. 

10. Flexibility to vary the regular basic premium from the flexi start date of the respective plans.

11. A one-time Annual Premium Bonus will be given for selected MIP options (not applicable to MIP 5 Years Flexi 1, MIP 5 Years Flexi 4, MIP 6 Years Flexi 2 and MIP 7 Years Flexi 5) if the first regular basic premium is paid via annual premium payment mode. The Annual Premium Bonus (if applicable) will be given in the form of additional units at a rate based on the first annual regular basic premium paid, and the MIP option selected. If there is any change in the mode of premium payment from annual to non-annual during the premium shortfall period, the Annual Premium Bonus will be deducted from the account value. 

12. Loyalty Bonus will be given from the policy anniversary immediately after the end of the MIP and every policy anniversary thereafter, in the form of additional units based on 0.3% of the account value (not applicable to MIP 5 Years Flexi 1, MIP 5 Years Flexi 4 and MIP 6 Years Flexi 2).

13. Total premiums paid include total basic premiums paid plus any top-up premium, less any withdrawals. 

14. Applicable to Manulife InvestReady (III) USD MIP 10 Years Flexi 3, MIP 10 Years Flexi 5 and MIP 10 Years Flexi 8.

15. Applicable to Manulife InvestReady (III) Plus and Manulife InvestReady (III) SGD (except MIP 5 Years Flexi 1). 

16. Applicable only to Manulife InvestReady (III) SGD.

Manulife InvestReady (III) and Manulife InvestReady (III) Plus and their 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 InvestReady 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 InvestReady 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 InvestReady 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 InvestReady 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 InvestReady Fund(s). A copy of the prospectus and the product highlights sheet can be obtained from Manulife's appointed distributor.

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. This brochure is also available in Chinese. 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 websites (www.lia.org.sg 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 our Appointed Distributors before making a commitment to purchase a policy.

Information is correct as of 14 September 2025.