Manulife LifeReady


Get 20% off your 1st year's premium with the Early Critical Care rider or 5% off without the Early Critical Care rider.

This is a participating limited-pay premium whole life Insurance plan.

Key Benefits

This plan offers a choice to enhance your guaranteed coverage of your basic coverage through the selection of Life Benefit Multiplier (LBM) Factor of 2, 3, 4 or 5 times.


  • Early Critical Care

    Critical Care

Promotion Terms and Conditions

1. Customers are entitled to the discount on premium ( “Premium Discount”) (as set out in the table below) during the period of the campaign from 29 July 2018 to 31 August 2018 (both dates inclusive) (“Promotion”) if their application for purchase of a new qualifying product as set out in the table below (“Qualifying Product”) satisfy the following conditions:
i) Meet the qualifying criteria as set out in the table below (“Qualifying Criteria”);
ii) The application must be submitted and received by Manulife (Singapore) Pte. Ltd. (“Manulife”)
between 29 July 2018 and 31 August 2018 (both dates inclusive); and
iii) The policy must be issued by Manulife (Singapore) Pte. Ltd. (“Manulife”) by 23 October 2018.

2. Premium Discount is applicable to Qualifying Products with any appropriate modes and means of payment of premiums, except for those products, premiums for which are paid through Supplementary Retirement Scheme (SRS).

3. Premium Discount is applicable to all riders (where applicable and except where specifically excluded by these Terms) attached to the Qualifying Product. The additional premium due to sub-standard life
rating is also eligible for the Premium Discount under this Promotion.

4. Premium Discount is given on a per policy basis and on the first year premium only.

5. The Premium Discount is not transferrable or exchangeable for cash, credit or any other goods and services.

6. Manulife reserves the right to replace the Premium Discount with items of similar or other value without prior notice.

7. If a Qualifying Customer cancels any of the Qualifying Product(s) within the 14 days’ free-look period or if any of the policies lapses or is surrendered within 12 months from issuance, Manulife reserves the right to recover the amount equivalent to the Premium Discount in any manner at its sole discretion.

8. You consent under the Personal Data Protection Act 2012 to the collection, use, disclosure of your personal data by/to Manulife and such other third party as Manulife may reasonably consider necessary for the purpose of this Promotion and you confirm that you agree to be bound by the terms of Manulife privacy policy, a copy of which can be found on

9. By taking part in this Promotion, you accept that all decisions made by Manulife in connection with this Promotion (including the interpretation of Terms of this Promotion) shall be final and binding on all participants. No appeal will be entertained. In the event of any inconsistency between these Terms and any brochure, marketing or promotional material relating to this Promotion, these Terms will prevail.

10. All applications for this Promotion are subject to such policy terms and conditions as Manulife may impose.

11. Manulife shall have the sole and absolute discretion to exclude any person from participating in this Promotion, without providing any reason and without prior notice.

12. Manulife reserves the right at its sole and absolute discretion to amend, add, withdraw, supplement, terminate, cancel or suspend this Promotion or to vary the Terms of this Promotion at any time without notice or reason or liability.

13. You agree to indemnify Manulife and hold it harmless against all losses, claims, demands, expenses and other liabilities (including legal fees) suffered or incurred by Manulife as a result of any breach of these Terms or of applicable laws by you including, without limitation, any representation made by you which is not authorised under these Terms or otherwise in writing by Manulife.

14. Manulife shall be excused from performance and shall not be in default in respect of any obligation hereunder to the extent that the failure to perform such obligation is due to a natural force majeure event.

15. Nothing in these Terms is intended to constitute, create, give effect to, or otherwise recognise a joint
venture, partnership or relationship of principal and agent of any kind.

16. The invalidity, unlawfulness or unenforceability of any provision in these Terms in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.

17. A person who does not participate in the Promotion shall have no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these Terms.

18. The Terms of this Promotion will be governed by and construed in accordance to the laws of the Republic of Singapore and you agree to submit to the jurisdiction of the courts of the Republic of Singapore.

19. This Promotion cannot be used in conjunction with other promotions or campaigns carried out by Manulife, unless otherwise permitted by Manulife in its sole and absolute discretion.

20. All information is correct as at 29 July 2018.

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