Manulife InvestReady Wealth II Review

The complete Pros and Cons on Manulife InvestReady Wealth II

Manulife InvestReady Wealth II is an investment-linked insurance policy purposed to meet investment diversification needs with access to over 100 funds.

Flexible to vary the regular basic premium after the MIP for MIP 3 years, 5 years, and 10 years. You have the flexibility to change the regular basic premium after policy year 1, policy year 3, and policy year 10 for MIP 3 years Flexi, 10 years Flexi, and 20 years Flexi respectively.

Manulife InvestReady Wealth II product details

Premium Payment Options

  • Minimum Investment Period (MIP); you can choose to pay premiums for:
    • 3 years (renewable), 5 years (renewable), 10 years
    • 3 years Flexi (renewable), 10 years Flexi, 20 years Flexi
  • Minimum Premium Payable
    • MIP 3 Years: S$1,000 per month
      MIP 5 Years: S$1,000 per month
      MIP 10 Years: S$300 per month
      MIP 3 Years Flexi: S$20,000 or US$20,000 per year
      MIP 10 Years Flexi: S$500 per month
      MIP 20 Years Flexi: S$200 per month
  • Additional premium top-ups
    • Minimum SGD or USD $2,500, no top-up charge

Wealth Accumulation

  • Welcome Bonus
    • Receive a welcome bonus boost to your investment in form of additional units
  • Full Force Investments
    • All of your regular basic premiums will be put into purchasing funds
  • Loyalty Bonus
    • Enjoy yearly loyalty bonuses after the end of your chosen MIP
  • Regular Payouts
    • You can choose to invest in dividend-paying funds to get a regular stream of income
  • Portfolio Diversification
    • With over 100 funds in-store, build a portfolio that’ll conquer your financial goals


  • Insurance Coverage
    • Be covered against death and terminal illness at a higher of 101% of your total basic premiums paid or account value
  • Flexibility
    • Enjoy the flexibility in changing your regular basic premium, perform partial withdrawals, and top-up additional funds at any time
  • Optional add-ons
    • Early Critical Care Waiver rider
    • Critical Care Waiver rider
    • Cancer Care Waiver rider

Read aboutHow does Investment-Linked Policy work?

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

Features of Manulife InvestReady Wealth II at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: Yes
  • Total Permanent Disability: No
  • 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

  1. Critical Illness Waiver coverage
  2. Cancer Waiver coverage
  3. Payor Benefit

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 InvestReady Wealth II may be suitable if you are looking for

Manulife InvestReady Wealth II may potentially be a good fit if the following matters to you:

  • 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.
  • Insurance options without medical underwriting

Manulife InvestReady Wealth II may not suitable if you are looking for

Manulife InvestReady Wealth II may potentially be a bad 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
  • 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.

Read about: An introduction to Investment-Linked Policy

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

Further considerations on Manulife InvestReady Wealth II

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

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

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 payout 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 InvestReady Wealth II 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 InvestReady Wealth II 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.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


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