Manulife ManuInvest Duo Review

The complete Pros and Cons on Manulife ManuInvest Duo

Manulife ManuInvest Duo is an investment-linked policy that helps you achieve both your wealth accumulation and protection goals. Choose a minimum investment period of 10, 15, or 20 years.

Manulife ManuInvest Duo product details

  • Life Policy – Investment-linked policy
  • Minimum Investment Period (MIP)
    • You can choose to pay premiums for 10, 15, 20 years
  • Minimum Premium; if you chose
    • 10 years MIP – $3,600
    • 15 years MIP – $2,400
    • 20 years MIP – $1,800
  • Additional premium top-ups
    • Minimum $500 per fund

Wealth Accumulation

  • Welcome Bonus
    • Receive a boost to your investment, the higher your choice of coverage and longer the Minimum Investment Period, the higher your Welcome Bonus
  • Full Force Investments
    • All of your regular basic premiums will be put into purchasing funds
  • Loyalty Bonus
    • Awarded every year from policy year 7 onwards, increases to up to 0.8% after the end of your chosen Minimum Investment Period
  • Regular Payouts
    • You can choose to invest in dividend-paying funds to get a regular stream of income


  • Coverage
    • You can choose your protection amount up to 100x of your first-year premium against Death, Terminal Illness, and Total and Permanent Disability
  • Partial Withdrawal
    • You may perform partial withdrawals  subjected to charges and transactional fees
  • Premium Flexibility
    • In times of emergency, you can take a break from paying premiums for a period of up to 24, 36, or 48 months, depending on your chosen Minimum Investment Period.
  • Optional add-ons
    • Critical Illness and  Early Critical Illness Coverage

Read aboutHow does Investment-Linked Policy work?

Read AboutInvestment-Linked Policy: Is it the best option?

Features of Manulife ManuInvest Duo at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: Yes
  • Total Permanent Disability: Yes
  • Terminal Illness: Yes
  • Critical Illness: No
  • Early Critical Illness: No

Health and Insurance Coverage Multiplier

  • Death: No
  • Total Permanent Disability: No
  • Terminal Illness: No
  • Critical Illness: No
  • Early Critical Illness: No

Optional Add-on Riders

Critical Illness and Early Critical Illness coverage

Additional Features and Benefits


For further information and details, refer to Manulife website. Alternatively, fill-up the form below and let us advise accordingly.

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Manulife ManuInvest Duo may be suitable if you are looking for

Manulife ManuInvest Duo may potentially be a good fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • To participate in the long-term financial returns of investing.
  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compared to traditional Endowment and Whole Life Policy.

Read about: An introduction to Investment-Linked Policy

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

Manulife ManuInvest Duo may not suitable if you are looking for

Manulife ManuInvest Duo may potentially be a bad fit if the following matters to you:

  • Insurance options without medical underwriting
  • Guaranteed financial returns in the long-run.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Expecting an urgent need for withdrawal during a financial market downturn.

Further considerations on Manulife ManuInvest Duo

  • How is Manulife or Manulife ManuInvest Duo investment returns based on historical performance?
  • How does Manulife ManuInvest Duo compare with Endowment policies from other insurance companies?
  • Can Manulife ManuInvest Duo fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on Manulife ManuInvest Duo. Talk to us or seek advice from a financial adviser before making any decision about Manulife ManuInvest Duo.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

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Read About: 3 best Investment Linked Policies in Singapore for Wealth Accmulation (2023 Edition)

Where can I compare the payout and benefits of Investment-Linked Policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on Investment-linked Policies.

Alternatively, you just need to provide us with a couple of details below.

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Is Manulife ManuInvest Duo suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

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    Before you go...
    Manulife ManuInvest Duo may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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