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Universal Life

Manulife Universal Life Insurance Plan

Limited Offer

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Limited Offer

Terms and conditions apply.

What is Universal Life?

Universal Life is a flexible-premium life insurance plan designed to help you grow, preserve and transfer your wealth. In addition to life protection, it offers long-term savings potential to meet your wealth accumulation and wealth transfer needs. It’s an ideal solution for individuals who wish to grow and transfer wealth using life insurance.

How we got you covered?

Versatile protection

Choose life protection with a level or increasing death benefit¹.

Payment flexibility

Premium payment flexibility for achieving different long-term savings goals. 

Easy access to your account value²

Withdraw from your account value² flexibly starting from the second policy year.

Guaranteed crediting interest rate

Enjoy a life-time guaranteed crediting interest rate of 2.25% per annum.

Locked-in rate for growing wealth

Guaranteed crediting interest rate lock³ for accumulating your wealth steadily. 





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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    Universal Life is an insurance product provided and underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability). The above provides only general information on this product for your reference only. Please download the product leaflet now or ask your Insurance/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

    1. - Level death benefit option: where the death benefit equals the greater of notional amount or account value, less the policy loan
      - Increasing death benefit option: where the death benefit equals the notional amount plus the account value, less the policy loan.
    2. All Withdrawals are subject to the minimum and maximum requirements set out by us regarding the Withdrawal amounts, Net Cash Surrender Value and notional amount.
    3. Subject to additional terms and conditions. Both the number of policy years and the prevailing crediting interest rate lock will be declared by us at the time the policy is issued.
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