Manulife Freedom Plan

A guaranteed insurance savings plan that provides financial security with guaranteed cash benefits and life insurance protection. Unlike market-linked products, Manulife Freedom offers guaranteed fund growth and payouts, giving you peace of mind knowing your savings are secure and protected by the company's financial strength.

Get a Quote View Features
Manulife Freedom Plan

Why Choose Manulife Freedom?

🛡️ Guaranteed Savings Growth

Your money grows at guaranteed rates, protected from market fluctuations, with predictable returns you can count on.

📅 Guaranteed Cash Benefits

Receive guaranteed payouts at predetermined intervals, providing you with regular financial support.

💖 Life Insurance Protection

Comprehensive life insurance coverage included, ensuring your loved ones are protected.

🔒 Capital Protection

Your principal investment is protected, unlike market-linked products where returns can fluctuate.

💰 Flexible Payment Terms

Choose from various payment options to suit your financial capability and goals.

🎁 Additional Bonuses

Potential to receive additional bonuses on top of your guaranteed benefits, depending on policy performance.

What Can You Use Manulife Freedom For?

Manulife Freedom is perfect for various financial planning needs with its guaranteed benefits:

Retirement Fund

Secure your retirement with guaranteed payouts that supplement your pension or retirement income.

Education Fund

Guaranteed funds for your children's education when they need it most, regardless of market conditions.

Dream Vacation

Plan your dream vacation with confidence knowing your travel fund is growing safely.

Medical Fund

Create a guaranteed health fund for future medical needs or emergencies.

Regular Income Stream

Supplement your income with guaranteed periodic payouts from your policy.

Legacy Planning

Leave a guaranteed financial legacy for your loved ones with the death benefit protection.

Guaranteed Benefits Structure

Manulife Freedom offers different benefit options to match your financial planning needs:

💰 Guaranteed Cash Payouts

Regular income stream

  • Receive guaranteed payouts at set intervals
  • Predictable income stream
  • Flexible payout schedules available

📈 Guaranteed Maturity Benefit

Secure lump sum payout

  • Receive guaranteed amount at maturity
  • Capital protection
  • Long-term savings growth

🛡️ Life Insurance Protection

Comprehensive coverage

  • Guaranteed death benefit
  • Financial security for loved ones
  • Peace of mind protection

🎁 Potential Bonuses

Additional benefits

  • Possible loyalty bonuses
  • Additional payouts on top of guarantees
  • Enhanced policy value

Optimize Your Manulife Freedom Plan

Enhance your coverage with these optional riders (additional premium applies):

🔹 Critical Illness Rider

Provides a lump-sum cash benefit if you're diagnosed with a covered critical illness like cancer, stroke, or heart attack—helping with medical or recovery costs.

🔹 Accidental Death Benefit

Your beneficiaries receive an additional cash benefit if your death is caused by an accident, on top of the plan's regular life coverage.

🔹 Total Disability Waiver of Premium

If you become totally and permanently disabled, this rider waives all future premium payments—your plan continues without extra cost.

🔹 Payor's Benefit

If the payor dies or becomes disabled, premiums are waived to ensure the insured's plan stays active and fully protected.

🔹 Hospital Income Benefit

Pays a daily cash amount for every day you're confined in a hospital. Use it for bills, medication, or income loss while admitted.

Frequently Asked Questions

What is Manulife Freedom?
Manulife Freedom is a guaranteed insurance savings plan that provides guaranteed cash benefits and life insurance protection, with your savings growth backed by the financial strength of Manulife.
How are the returns guaranteed?
Unlike market-linked products, Manulife Freedom provides guaranteed benefits that are backed by the company's financial strength and contractual obligations, not subject to market fluctuations.
What payment options are available?
You can choose from various payment terms (single pay, limited pay, or regular pay) depending on your financial situation and goals.
When do I receive the cash benefits?
The timing of cash benefits depends on your chosen plan option, but typically you'll receive guaranteed payouts at predetermined intervals throughout the policy term.
Is there life insurance coverage?
Yes, Manulife Freedom includes life insurance protection that provides a death benefit to your beneficiaries in addition to the guaranteed savings benefits.
Can I withdraw my money early?
Partial withdrawals may be available depending on your policy terms, but maintaining the policy until maturity ensures you receive all guaranteed benefits.
How does this differ from bank savings?
Unlike bank savings where interest rates can change, Manulife Freedom offers guaranteed growth rates plus life insurance protection, providing both savings growth and financial security.
What happens at policy maturity?
At maturity, you'll receive the guaranteed maturity benefit as specified in your policy contract, which may include any accumulated bonuses.
Who should consider this plan?
Manulife Freedom is ideal for conservative investors who want guaranteed returns, those planning for retirement, parents saving for education, or anyone wanting to combine savings growth with life insurance protection.

Secure Your Financial Future with Guaranteed Growth

Manulife Freedom offers the security of guaranteed benefits combined with life insurance protection. Get your personalized quote today and start building your guaranteed savings plan.

Get a Quote