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Manulife Spring II Review

The complete Pros and Cons on Manulife Spring II

Manulife Spring II is a 12-year savings endowment plan and provides coverage against Death, Total and Permanent Disability, and Terminal Illness. You can choose to offset premiums from the 3rd or 6th year onwards with the Yearly Guaranteed Cash Benefits.

Manulife Spring II product details

  • Life policy – Endowment and Saving policy
  • Capital Guaranteed
    • Get back at least 100% of all premiums paid upon policy maturity
  • Insurance Coverage
    • Be covered against Death, Total and Permanent Disability, and Terminal Illness
  • High Potential Returns
    • Enjoy high returns of up to 2.87% per annum over 12 years
  • Flexible Options for Yearly Guaranteed Cash Benefits
    • Use them to offset future premiums from the end of the 3rd or 6th policy year; or
    • Receive the yearly payouts; or
    • Accumulate them at the prevailing interest rates

Read aboutEndowment and Saving policy: How does it work?

Read AboutEndowment and Saving policy: Is it the best option?

Features of Manulife Spring 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: 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


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

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

Manulife Spring II may be suitable if you are looking for

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

  • A hassle-free application without medical underwriting
  • Short to medium term endowment and savings plan
  • To saving regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

Manulife Spring II may not be suitable if you are looking for

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

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lifetime regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read AboutHow can I accumulate a million dollar (Realistically)

Further considerations on Manulife Spring II

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

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

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

Read About3 best Savings plans and endowment policies in Singapore (updated Jan 2023)

Where can I compare the payout and benefits of saving plans and endowment 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 saving plans and endowment policies.

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

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Is Manulife Spring 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

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Personalised savings plans

Maximise your wealth with the best savings plans!

3 easy steps for your customised insurance savings plan

Step 1: Getting to know you…

Let’s start with a brief introduction of your personal profile. This will allow us to adjust and provide the most relevant insurance savings plans for you.





Step 2: Understanding your savings needs…

Please select your savings preferences to allow us to optimise the financial returns of your savings plans:

You have a yearly savings budget (annual premium) of:

You intend to have a saving commitment for a period (premium term) of:


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



Preferred timing for call:

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Before you go...
Manulife Spring 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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