LifeReady Plus

Get yourself covered at every stage of life with LifeReady Plus – a whole life insurance plan, allowing you the flexibility to add on riders so that you are prepared against unexpected events like Death, Total and Permanent Disability, Critical Illness and Retrenchment. And it can even supplement your retirement income as you reach your golden years. Speak to our financial consultant to find out more!

Key Features:


Be covered against death, terminal illness, and total and permanent disability, with an option to enchance your protection up to 5X

Health Advantage Benefit

Health Advantage Benefit2

- Enjoy upfront premium discounts for the first 2 policy years
- Continue to enjoy the premium discounts after policy year 2, if you meet our health targets

Upgrade Your Cover

Upgrade Your Cover

No medical check-up will be needed if you want to increase your coverage at these 4 milestones:
- Graduation (Tertiary)
- Marriage
- First Home
- Parenthood

Critical Illness Coverage Option

Critical Illness Coverage Option

Get additional coverage with our range of critical illness riders that pay a lump sum or waive your future premiums in the event that critical illness strikes1

Financial Flexibility

Financial Flexibility

- Accumulate policy cash value3 while enjoying coverage
- Option to convert the cash value from your policy into annual payouts4, over 10 years, with additional 5% interest

Retrenchment Benefit

Retrenchment Benefit1

If you or your spouse is retrenched and unemployed for 30 days or more, 6 months of your premiums will be waived while coverage continues

Brandan Chen

Financial Planner

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Important Notes & Footnotes

Important notes
LifeReady Plus 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. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. 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. 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 web-sites ( or
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors or visit any DBS/POSB Branch before making a commitment to purchase a policy.
All information is correct as of 7 July 2019.
  1. Please refer to respective product summary for more information.
  2. Upfront premium discount is based on standard underwriting assessment. To qualify for subsequent years premium discounts, please submit the Health Advantage form or a medical report with the health target requirement for verification within the first 2 policy years.
  3. This includes guaranteed cash value and non-guaranteed bonuses and it is available if the policy has been in force and you have paid the premiums for 3 years.
  4. Annual payout will result in lower cash value when the policy matures. Please refer to the product summary for more details.

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