What is Investment Linked Plan (ILP)?
An Investment-Linked Plan (ILP) is an insurance policy that combines investment and protection. Premiums buy units in chosen investment funds, offering potential returns based on fund performance. ILPs provide flexibility in investment choices, coverage, and premiums, and can include additional protection riders.
Benefits of Investment-Linked Plan (ILP):
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InvestReady (III)
Minimum Investment Period
5/10/20 years
Annual Charges
Administrative and supplementary charges apply
Bonuses
Welcome Bonus up to 45%, annual premium Bonus up to 5%, yearly loyalty bonus after the end of your chosen Minimum Investment Period up to 0.3%.
Special Benefits
100% of your regular basic premiums
paid will be invested in fund(s) units of your choice, no partial withdrawal charges after minimum investment period.
Manulife InvestReady Growth
Minimum Investment Period
10/15/20 years
Annual Charges
Administrative and supplementary charges apply
Bonuses
Welcome Bonus, Annual Premium Bonus, Loyalty Bonus
Special Benefits
Fexible premiums, reinvest dividends, additional protection riders
Manulink Investor (II)
Minimum Investment Period
Single premium plan
Annual Charges
No insurance charges; 100% investment-focused
Bonuses
Special Benefits
Free fund switches, guaranteed acceptance without health check-up, flexible premium top-ups
ManuInvest Duo
Minimum Investment Period
10/15/20 years
Annual Charges
Administrative and supplementary charges apply
Bonuses
Welcome Bonus, Loyalty Bonus
Special Benefits
Flexible premiums, partial withdrawals, optional critical illness coverage
Manulife SmartRetire (V)
Minimum Investment Period
Typically 12 years
Annual Charges
Administrative and supplementary charges apply
Bonuses
Welcome Bonus, Loyalty Bonus, refund of Cost of Insurance
Special Benefits
Customizable retirement goals, free withdrawal of reinvested dividends, protection for death and waiver of premium on Total and Permanent Disability