Investment-Linked Plan

Decisions that protect generations ahead

Every decision today shapes the legacy of generations ahead and protecting it should feel just as purposeful. Your legacy is built over a lifetime, and Manulife Heritage helps safeguard what you have achieved, offering a thoughtful solution to protect, grow, and pass on your wealth with confidence.

Why should you get this plan?

High Insurance Protection

Pays a minimum Face Amount of RM500,000 for death or Total and Permanent Disability, plus up to 400% coverage for accidental death.

Protection Booster

Enhances your life coverage by 5% every 10 policy years at no extra cost.

Cover Reset

Resets your protection after a partial withdrawal event, so coverage continues when you need it most.

Wellness Reward, Loyalty and Maturity Bonuses

Enjoy insurance charge rebates along with Loyalty and Maturity Bonuses that recognise long‑term commitment.

Flexible Premium Payment & Coverage Period Choices

Choose premium payment terms of 6, 10 or 20 years, with coverage up to age 70, 80 or 99 next birthday.

Optional Enhanced Protection

Strengthen your plan with optional add-on benefits, including Critical Illness and Premium Care Benefit.

Download

Product Flyer

Product Brochure

Product Disclosure Sheet

Guide to Investment-linked Policy Owners on Insurance Coverage

Optional Cover

Income Benefit

Specially designed for those who wish to receive a regular income to help pay future insurance premiums.

Critical Illness

Receive one lump sum benefit, upon Insured's diagnosis of a covered critical illness.

Choice of insurance coverage terms of 20 years; or up to age 70, 80, or 99 (next birthday). For coverage terms up to age 70, 80 or 20 years, the policy owner will be given an option to renew the policy up to age 99 next birthday, without re-underwriting. A notice will be sent to the policy owner 90 days before the expiry date of the policy.
TPD and accidental death coverage is up to age 70 (next birthday).
Returns are not guaranteed and are subject to the performance of the funds. Past performance of the funds is not an indication of future performances.
Subject to applicable fees and charges.
Terms and conditions apply. For more details, kindly refer to the product brochure.

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