At a Glance

100% of regular premiums on your basic plan will be invested in your chosen fund(s)

Make your money work harder with welcome bonus, annual premium bonus and loyalty bonus

Get additional protection with an optional premium waiver benefit rider based on your needs

Manulife InvestReady (III) is a regular premium whole life investment-linked insurance plan that offers access to a diverse range of curated funds.

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Features & Benefits


  • Choice of professionally managed funds with unlimited free fund switches and free automatic fund rebalancing
  • Option to vary your regular basic premium4, top-up your premium and withdraw any accumulated reinvested dividends1 at any time

Peace of mind

  • Guaranteed acceptance with no medical check-up required
  • Enjoy protection2 for death and terminal illness at a higher of 101% of your total premiums paid7 or account value
  • Get additional protection with optional premium waiver benefit riders covering cancer, critical illness, terminal illness, and total and permanent disability

Make your investments work harder

  • 100% of basic regular premiums paid will be used to invest into one or more fund(s) of your choice
  • Enjoy a head-start with a Welcome Bonus and Annual Premium Bonus3 of additional fund(s) units
  • Be rewarded with a yearly Loyalty Bonus5 of additional fund(s) units after the end of the Minimum Investment Period

How it works


Terms and conditions apply. Please refer to the product summary for more information.

1 Subject to the distribution rate and frequency of the chosen InvestReady Funds. The issuance of dividends remains at the discretion of the relevant fund manager and is not guaranteed.

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

3 A one-time Annual Premium Bonus will be given for selected MIP options if the first basic premium is paid via annual premium payment mode. If there is any change in mode of premium payment from annual to non-annual during the premium shortfall charge period, the Annual Premium Bonus will be deducted from the account value.

4 Flexibility to vary the regular basic premium from the flexi start date of the respective ManuIife InvestReady (III) plans.

5 Loyalty Bonuses vary in accordance with the MIP selected and is not applicable to MIP 5 Years Flexi 4.

6 Partial withdrawal charge applies if you request for partial withdrawal during MIP. This charge does not apply to withdrawal of any accumulated dividends.

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

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

Information is correct as at 11 June 2023.

DBS Treasures Insurance Important Notes


How to Apply

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