At a Glance

Manulife SmartWealth (II) is a Regular Premium Investment-linked Insurance Plan that allows you to build and diversify your portfolio from a wide range of funds.

100% of your regular basic premiums paid are put to purchase fund(s) units


Welcome bonus in the first policy year, in the form of additional units, gives you a boost


Waiver of basic premiums during Minimum Investment Period for total & permanent disability


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Features & Benefits

Welcome Bonus
  • Get a head-start with a welcome bonus in the first policy year, in the form of additional units
Make Your Investment Work Harder
  • 100% of regular basic premium paid will be used to purchase fund(s) units
Plan Options
  • Choose from a Minimum Investment Period2 (MIP) of 3, 5, or 10 years
Waiver of Future Basic Premiums
  • In the unforeseen event of total and permanent disability, up to the end of your chosen Minimum Investment Period2
Loyalty Bonus
  • Enjoy yearly loyalty bonus after the end of your chosen Minimum Investment Period2
  • Enjoy flexibility in varying your regular basic premium3 , partial withdrawal4 and top up your account value at any time
  • Be covered against death at the higher of 105% of total premiums paid1 or account value
Optional Add-Ons
  • Get additional protection with optional cancer coverage and payor benefit

How it works


1 Total premiums paid refers to the total basic premiums paid plus any top-up premium, less any withdrawals.

2 Minimum Investment Period refers to the period of time starting from the policy inception whereby surrender charges will be imposed if full surrender of the policy takes place. It is selected by policy owner at inception and cannot be changed thereafter

3 Flexibility to reduce the regular basic premium after the Minimum Investment Period for MIP 3 years and 5 years. As for MIP 10 years, you have the flexibility to reduce the regular basic premium from policy year 4.

4 Partial withdrawal charge applies if you request for partial withdrawal during the chosen Minimum Investment Period.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 22 October 2021

POSB Insurance Important Notes

How to Apply

Chat with our friendly Wealth Planning Managers now. (This chat service is available from 9am to 6pm on Mon to Fri, excluding Public Holidays.)

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Alternatively, you may leave your contact details and we will get in touch soon.

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