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Manulife LifeReady Plus II Review

The complete Pros and Cons on Manulife LifeReady Plus II

Manulife LifeReady Plus II is a whole life insurance plan that comes with Health Advantage, a first in Singapore feature. Enjoy upfront premium discounts for being healthy.

Manulife LifeReady Plus II product details

Manulife LifeReady Plus II Rating on 4.3 out of 5 stars (4.3 / 5)
Manulife LifeReady Plus II Popularity on 3.9 out of 5 stars (3.9 / 5)

Manulife LifeReady Plus II is featured in our 4 Best Whole Life Insurance Plans in Singapore for overall coverage & weath accumulation.

  • Life policy – Whole Life Policy
  • Flexible Premium Payment Term
    • Choose to pay premiums for 10, 15, 20, 25 years or up till age 99
  • Insurance Coverage *NEW
    • Be covered against Death, Terminal Illness and Total and Permanent Disability (up till age 99)
  • Coverage Multiplier Benefit *NEW
    • You can choose to boost your coverage up to 5x the Sum Assured till age 70 or 80
  • Health Advantage Feature
    • Get a discount on premiums for the first 2 years if your health status meets Manulife’s criteria upon application. You can continue your premium discount after 2 years if you meet their health targets within the first 2 years
  • Retrenchment Benefit
    • Premiums are waived for 6 months in the event you or your spouse gets retrenched for 30 days or more
  • Payout Flexibility; you can choose to
    • Continue with the same policy and coverage or
    • Convert this policy into a 10-year annuity plan (enjoy additional 5% interest) at age 70
  • Wide Range of Riders
    • Riders available to cover you against Critical Illnesses of all stages to provide a more comprehensive coverage
    • Riders available to waive future premiums to guard your policies should the unexpected happen
  • Guaranteed Coverage Upgrade
    • No medical check-up will be needed if you want to increase your coverage at these 4 life milestones (university graduation, marriage, first home, becoming a parent)

Manulife Life Ready is a commonly search alternative for Manulife LifeReady Plus.

Read AboutWhole Life Policy: How does it work?

In-depth Review: 4 Best Whole Life Plans in Singapore for Insurance Coverage (2023 Edition)

Features of Manulife LifeReady Plus II at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No (Yes with available riders)
Early Critical Illness: No (Yes with available riders)

Health and Insurance Coverage Multiplier

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: Yes
Early Critical Illness: Yes

Optional Add-on Riders

Early Critical Care Rider
Critical Care Rider
Premium Waiver Riders
Critical Care Waiver Rider
Payor Benefit Rider (I)
Payor Benefit Plus Rider (I)
Payor Benefit Plus (I) Spouse Rider

Additional Features and Benefits


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

Read AboutEffects of compounding returns on your money

Read About3 things to consider before taking up a new financial product

Manulife LifeReady Plus II may be suitable if you are looking for

Manulife LifeReady Plus II may potentially be a good fit if the following matters to you:

  • Higher protection for Death and Terminal Illness coverage at an affordable premium.
  • Higher Early Critical Illness, Critical Illness, and Total Permanent Disability coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • Accumulating cash value in the policy for financial returns in the long-term.
  • Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term life vs Whole life – Which is better for you?

Manulife LifeReady Plus II may not be suitable if you are looking for

Manulife LifeReady Plus II may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2023 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2023 Edition)

Further considerations on Manulife LifeReady Plus II

  • How is Manulife or Manulife LifeReady Plus II investment returns based on historical performance?
  • How does Manulife LifeReady Plus II compare with Whole Life Policies from other insurance companies?
  • Can Manulife LifeReady Plus II fulfill my financial insurance, health, and protection needs?

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

Read AboutWhere do you start with financial planning?

Read About: 8 Commonly made financial mistakes by Singaporeans

Compare before you commit

Before committing to a whole life 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?

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the platform.

INSTANT quotes for Whole Life Plans

Whole Life Plans

Matching your profile…

Let’s start by filtering out the best whole life plans based on your age and gender. Your gender and age will affect the base premium payable.

Your current age is closest to:

Your gender is:

Male Female

Whole Life Plans

Understanding your coverage needs…

You whole life plan can provide comprehensive coverage against all 37 major illness. Choose the level of protection you need for yourself and your family.

You require a critical illness (for late stage major illness) coverage of:

You require an early critical illness (for all stages of major illness) coverage of:


Whole Life Plans

Finding you the best whole life plans…

Your annual insurance premium will be lower if you choose to spread out your premium term over a longer period of time.

Your prefer to make payment (premium term) for this whole life plan over a period of:

INSTANT quotes for Whole Life Plans

Is Manulife LifeReady Plus II suitable for me?

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

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Personalised whole life plans

Pay for what you need in a whole life plan!

3 easy steps for your customised whole life insurance plan

Step 1: Getting to know you…

Let's start with a brief introduction of your personal profile. Please note that your current age and gender affects the insurance premium payable for your whole life plan.





Step 2: Understanding your coverage needs…

Please select the amount (sum assured) and type of lifetime coverage that is required for this plan:

You need a death coverage (base coverage) amount of?

Do you required critical illness coverage in the event of a major illness (optional)?


Step 3: Finding the best whole life plans for you! team of financial planners will compare and provide you with the best whole life insurance plans based on your inputs.



Preferred timing for call:

Please check your inbox for an e-mail of your financial planning needs. We will be in contact with you within 24 hours.

Personalise your whole life insurance plans


Before you go...
Manulife LifeReady Plus 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! nude men chase has been waiting a long time for a opportunity to.
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