An investment-linked policy to build and diversify your portfolio for your financial goals.

Please refer to the product brochure for a detailed guide on how Manulife InvestReady (III) works.

Footnotes

¹ 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.

² A one-time Annual Premium Bonus will be given in the form of additional units at a rate based on the first annual regular basic premium paid for selected MIP options (not applicable to MIP 5 Years Flexi 4 and MIP 7 Years Flexi 5) if the first regular basic premium is paid via annual premium payment mode. 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 (not applicable to Manulife InvestReady (III) (USD))

³ Starting from policy year 6 and before the end of MIP (not applicable for MIP 5 Years Flexi 4), 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.

⁴ 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 enrolls 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.

⁵ Loyalty Bonus will be given during the policy term starting 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 4).

⁶ Step-up Booster Bonus will be given when the following conditions are met:
i) effective account value (i.e. account value plus sum of partial withdrawals, any dividend payouts 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 or lower than total regular basic premiums plus any top-up premiums;
ii) regular basic premiums are paid in full before flexi start date; and
iii) policy is in force at the point of bonus payment.

⁷ Total premiums paid include total basic premiums paid plus any top-up premiums, less any withdrawals.

⁸ Flexibility to vary the regular basic premium from the flexi start date of the respective plan(s).

⁹ Coverage against death and terminal illness up to policy anniversary immediately after the 99th birthday of the life insured.

¹⁰ Automatic fund rebalancing will only occur when the portfolio’s variance from the pre-specified basic premium allocation exceeds 5%. You may exercise this option from policy year 2 onwards.

¹¹ Applicable to Manulife InvestReady (III) Plus and Manulife InvestReady (III) SGD.

In Collaboration with Manulife

Manulife InvestReady (III) and Manulife InvestReady (III) Plus and their supplementary benefits are issued and 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 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 Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 18 Jan 2026.

DBS Insurance Important Notes