Manulife InvestReady Growth

100% of the premiums paid will be invested into the investment fund(s) of your choice. At the same time, you will be covered⁸ against death and terminal illness. 

Manulife InvestReady Growth is suitable for individuals seeking long-term wealth accumulation while maintaining life insurance protection. It may be suitable if you: 

• Want to build wealth over the long term through investing in professionally managed funds with growth potential. 

• Value having life insurance protection alongside your investments, so your loved ones have financial support when it matters most. 

• Prefer flexibility and choice in your investment journey, with access to a range of funds and the ability to adjust as your needs evolve. 

• Are looking for a disciplined, long-term approach to wealth accumulation with the potential to benefit from market opportunities and policy bonuses. 

Manulife InvestReady Growth is a long-term ILP that combines investment opportunities with life insurance protection, investing 100% of your premiums into chosen funds while also covering death and terminal illness. Unlike a traditional investment‑only plan, it integrates insurance coverage alongside investment growth potential.

Yes. Manulife InvestReady Growth allows you to build a portfolio by investing in a diverse range of investment funds, giving you flexibility to manage your allocations as you work toward your financial goals.

No. The policy bonuses, such as Welcome Bonus, Annual Premium Bonus, Premium Bonus, Booster Bonus and Loyalty Bonus, are based on specific conditions and are not guaranteed investments. They are provided according to the plan’s terms.

Yes. You can adjust your regular basic premium and build your investment portfolio over time, including options to increase or vary premiums and make top‑ups subject to the policy terms.

Terms and conditions apply. Please refer to the Product Summary for more information.

1. Subject to the distribution rate and frequency of the chosen InvestReady Growth funds. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.

2. Flexibility to vary the regular basic premium from the Flexi Start Date of the respective Manulife InvestReady Growth plans. 

3. 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.

4. A one-time Annual Premium Bonus will be given if the first regular basic premium is paid via annual premium payment mode. 

5. When policy is in force, premium bonuses are given when regular basic premiums are paid on and after the Flexi Start Date and any accumulated partial withdrawal (excluding withdrawal of reinvested dividends) after the end of MIP is not more than the first-year annualised basic premium.

6. Account values must include all partial withdrawals, any withdrawal of reinvested dividends and dividends payout, and any cost of insurance deducted. 

7. To qualify for the loyalty bonus, the policy must be in force at the point of bonus payment, and no partial withdrawal and or withdrawal of reinvested dividends must have been made in the preceding 12 consecutive months from the loyalty bonus declaration date for any policy year.

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

9. Total premiums paid include total basic premiums paid and top-up premiums, less any withdrawals.

10. A one-time Annual Premium Bonus will be given for selected MIP options if the first regular basic premium is paid via annual premium payment mode. 

Manulife InvestReady Growth, Manulife InvestReady (III) 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. Your investments are subject to investment risks, and you may lose the principal amount invested. The performance of the InvestReady Growth and InvestReady Fund(s) is/are 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 Growth and 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 Growth and 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 Growth and InvestReady Fund(s) may result in an immediate decrease in the net asset value per unit. You should read the Prospectuses and the Product Highlights Sheet and seek financial advice before deciding whether to purchase units in the InvestReady Growth and InvestReady Fund(s). A copy of the Prospectus and the Product Highlights Sheet can be obtained from a Manulife Financial Consultant or our Appointed Distributors. 

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). 

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 17 July 2025