RetireReady Plus

We all have dream plans for retirement. But how do we get there? Introducing RetireReady Plus, a plan for retirement that offers you the option to receive Guaranteed Monthly Income1 for life. Should your retirement needs change, you’ll have the freedom to adjust2 your income payout period. Plus, additional income3 for loss of independence cushions you in times of need. For the golden years you’ve always dreamed of, this plan is here for you – guaranteed acceptance with no health questions asked.

Key Features:
Guaranteed Monthly Income

Guaranteed Monthly Income1

Enjoy certainty during your retirement with Guaranteed Monthly Income payouts for life, or a period of 5, 10, 15, or 20 years

Additional income for loss of independence

Additional income3 for loss of independence

Receive up to 100% of your Guaranteed Monthly Income1 in the event of loss of independence, depending on the severity



Be covered against death, and get a premium waiver upon Total and Permanent Disability during your premium payment term or up to age 70, whichever is earlier



- Adjust2 your income payout period according to your changing needs
- 5 steps to design a RetireReady Plus plan to work towards your dream retirement

Brandan Chen

Financial Planner

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Important Notes & Footnotes

Important notes
RetireReady Plus and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Registered number 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. 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.
Information is correct as of 1 September 2019.
  1. The Guaranteed Monthly Income (GMI), less any policy debt, will start one month after the policy anniversary immediately after the life insured reaches the selected retirement age and to the end of his/her selected income payout period.
  2. Please refer to the Product Summary and Policy Contract for more details.
  3. If the life insured is not able to perform any 2 out of 6 Activities of Daily Living, the Loss of Independence income benefit payable is equivalent to 50% of the GMI, capped at a maximum of S$2,000 per month per policy. If the life insured is not able to perform at least 3 out of 6 Activities of Daily Living, the Loss of Independence income benefit payable is equivalent to 100% of the GMI, capped at a maximum of S$4,000 per month per policy.

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