Get lifelong protection and build cash value over time with our range of whole life insurance plans.
Find a whole life insurance plan for you
Key benefits and features
A whole life insurance plan offers lifelong financial protection along with features that can help support your changing needs over time.
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Lifelong financial protection Help provide financial security for you and your loved ones throughout your lifetime.
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Cash value accumulation Build cash value over time, which can help supplement your retirement needs.
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Customisable coverage Choose coverage options that can be tailored to your protection needs at different life stages.
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Additional plan benefits Depending on your plan, you may enjoy features such as the Health Advantage Benefit1, which offers upfront premium discounts for the first 2 policy years and continued premium discounts after policy year 2 if you meet the health targets, and retrenchment benefits2 that waive 6 months of premiums while your coverage continues.
Plan options and comparison
Compare our available whole life insurance plans to find the one that best suits your protection needs.
| Plan | Coverage | Key features | Ideal for |
| LifeReady Plus (II) | Boost your coverage up to 5x, till age 70 or 80 | Optional early critical illness coverage | Individuals looking for flexible protection with enhanced coverage options |
| DIRECT-ManuAssure Life | Up to S$200,000 coverage with optional add-ons | Potential to grow cash value with bonuses | Individuals seeking straightforward whole life protection with cash value growth potential |
Learn more about whole life insurance in Singapore
Whole life insurance is a type of permanent life insurance plan that provides coverage throughout your lifetime. It pays out the sum insured and any bonuses accumulated under the policy upon the policyholder's death. Unlike term life insurance, it includes a cash value component.
A whole life insurance plan may be suitable for you if you:
Want lifelong financial protection for yourself and your loved ones.
Are looking for a plan that can provide financial protection while building cash value over time.
Want the flexibility to choose a plan with coverage and optional benefits that suit your protection needs.
Are planning for your family's long-term financial security.
Are looking for whole life insurance plans with different coverage options to match your financial goals.
When comparing whole life insurance plans, consider your current and future financial needs. Choosing a plan that aligns with your goals can help ensure you have the right level of protection throughout different stages of life. Consider the following factors:
Income level: Choose a plan with premiums that fit comfortably within your budget while providing the coverage you need.
Dependants: If your family relies on your income, consider the level of financial protection they may need in the future.
Occupation: Your work and responsibilities may influence the type and amount of coverage that's suitable for your circumstances.
Lifestyle risks: Consider your lifestyle and any potential risks that may affect your protection needs over time.
Existing insurance coverage: Review any insurance policies you already have to identify whether additional coverage is needed and avoid unnecessary overlap.
Frequently asked questions
The cost of a whole life insurance plan depends on factors such as the level of coverage you choose, your age, health, lifestyle, and the policy features or optional benefits selected. Speak to a Manulife representative to find a whole life insurance plan that suits your protection needs and budget.
Whole life insurance is designed to provide lifelong coverage while building cash value over time. It can help provide financial protection for your loved ones and support your long-term financial goals. Choosing the right plan depends on your protection needs, financial circumstances, and the coverage you require.
Upfront premium discount is based on standard underwriting assessment. To qualify for premium discount subsequent to policy year 2, please submit the Health Advantage form or a medical report with the health target requirement for verification within the first 2 policy terms.
Terms and conditions apply. Please refer to respective product summaries for more information.
Terms and conditions apply. Please refer to the respective Product Summary for a specific definition.
The information on this page is for general informational purposes only and does not constitute financial advice.
This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC.
Information is correct as 21 August 2026.
