Talk to our experts
Talk to our experts

Manulife has recently identified fraudulent SMS messages claiming to be from “Manulife” or “宏利”. These messages claim that the recipient has taken out a savings insurance policy and that a payment will be deducted from an account in the recipient’s name. They also provide a suspicious phone number and encourage the recipient to call for enquiries or cancellation. Please note that these SMS messages and their contents are fraudulent and were not issued by Manulife. 

If you receive any SMS message or link that appears suspicious or claims to be from Manulife, please do not reply to the message, call the phone number provided in the message, click on or open any links within the message, or provide any personal or financial information. Please delete the message immediately.

Manulife will only send SMS messages to Hong Kong mobile numbers using a Registered SMS Sender ID that begins with "#Manulife".

In addition, Manulife will never ask customers to provide credit card details or any sensitive personal information via SMS, email or embedded links, nor will we make any time-limited payment collection arrangements through such channels.

If you have any questions, please contact us at (852) 2108 1188 (Hong Kong) or (853) 8398 0383 (Macau), or email service_hk@manulife.com (for Hong Kong and Macau) for assistance.

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Please note that our Customer Service Hotlines and Customer Service Centres will close early at 3:30pm on Friday, September 25, for the Mid-Autumn Festival. 

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Important Notice

Starting from 1 August 2026, our Customer Service Centre will introduce new service arrangements. For any enquiries regarding MPF or ORSO schemes, please call our Customer Service Hotline for assistance or to schedule an appointment via the hotline.

Member: (852) 2108 1388

Employer: (852) 2108 1234

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Security Alert:
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.

Please be cautious of fraudulent SMS messages. Manulife will only send SMS to Hong Kong mobile numbers using a Registered SMS Sender ID that begins with "#Manulife."
If you receive any suspicious SMS or links that appear to be from Manulife, please do not reply, click, or open any links within the message. Please click here to learn more.

Manulife and its agents do not conduct any unsolicited calls related to Manulife MPF products. Regarding MPF cold calls, please click here. Besides, Manulife and its agents would not invite or claim to assist clients to withdraw accrued benefits from MPF accounts.  If you receive suspicious calls from any individuals impersonating “Manulife”, claiming to assist in withdrawing accrued benefits from MPF accounts, please do not provide any personal information and/ or MPF account information to suspicious individuals.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly. Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

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Universal Life

Manulife Universal Life Insurance Plan

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?

Choose life protection with a level or increasing death benefit¹.

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

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

Enjoy a life-time guaranteed crediting interest rate of 2.00% per annum.

Guaranteed crediting interest rate lock³ for accumulating your wealth steadily. 

Universal Life is an insurance product provided and underwritten by Manulife (International) Limited. 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.