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Enhance your life protection with the highest investment performance at all times

Why should you get this plan?

Enhance your life protection and ride through market volatility by locking in the Highest Net Asset Value (NAV) in your policy to secure higher insurance protection.

Get rewarded with up to 30% of the total Insurance Charges on Manulife Value Enhancer, and it will be reinvested in the policy. This allows for potential growth acceleration on your policy’s Account Value.


  1. This optional benefit is only available with selected Manulife basic investment-linked insurance plans.
  2. Manulife Value Enhancer (MVE) payout is applicable upon Death or Total and Permanent Disability (TPD) only.
  3. MVE is applicable for Insurance Premium Account only – regular top-up/single top-up units are excluded. Please note that life insurance coverage provided by MVE changes according to the Sum At Risk. The Sum At Risk refers to the amount payable under MVE and varies with Account Value and investment performance. Insurance charge will be incurred accordingly (i.e. when Sum At Risk increases, insurance charge will increase). In the event the Account Value is not sustainable, you might be required to top-up to ensure sustainability of the policy. To help you better manage your policy, an annual policy sustainability notice will be made available to you.
  4. MVE Sum At Risk is capped at RM1 million.
  5. The highest NAV is not applicable for surrender, partial withdrawal or maturity.
  6. MVE that is added to the existing policy, will capture the highest NAV from rider inception onwards.
  7. Any change of investment allocation or fund switching by the Policy Owner will reset the highest NAV of the selected fund from the effective date of such change.
  8. Terms and conditions apply. For more details, kindly refer to the product placemat, product disclosure sheet and policy contract.

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