Secure a steady stream of income, or build a legacy for your loved ones? You shouldn’t have to choose between them. That’s why we designed Manulife ReadyIncome, a whole life insurance plan that lets you do both. Enjoy extra cash annually for all that comes your way, while protecting the legacy of you and two generations after. Thanks to our policy-transfer feature, it allows you to pass on ownership to your child, who can use it to protect theirs - ensuring coverage across all 3 generations.
Enjoy guaranteed1 and non-guaranteed yearly income2 to age 99, from the end of policy year 2
Be covered against death and terminal illness to age 99
Freedom to transfer the policy to your child when he/she turns age 18
Choose to pay for 5, 10, 15 or 20 years
Waiver Of Future Premiums
Get a premium waiver upon total and permanent disability during your premium payment term, while your policy continues
Easy Application with No Health Check-ups
Guaranteed acceptance with no health questions asked
Important Notes & Footnotes
- 1% of the sum insured from the end of the Policy Year 2 to 9, and increases to 8% from the end of Policy Year 10.
- 1.25% of the sum insured from the end of Policy Years 2 to 9 and 10% from the end of Policy Year 10 onwards is based on the illustrated investment rate of return of 4.75% a year. 0.50% of the sum insured from the end of Policy Year 2 to 9 and 4.00% from the end of Policy Year 10 onwards is based on the illustrated investment rate of return of 3.25% a year.
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More solutions for you:
Be covered at every stage of life
- Be covered against death, terminal illness, and total and permanent disability, with an option to enchance your protection up to 5X
- 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