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Not sure what kind of protection you need?

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Live your aspirations with a 3-year commitment that offers 15 years of protection and growth.

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Manulife Aspire 15 is a unique universal life insurance plan that combines savings with protection. Designed to empower you to confidently turn your aspirations into reality, this plan offers a solution that integrates financial protection and savings. Manulife Aspire 15 is thoughtfully crafted to support your life goals—whether it's securing your family's financial future, funding part of your children's education, or creating a source of passive income for a confident lifestyle.

In celebration of the launch, sign up Manulife Aspire 15 and enjoy an exclusive of minimum Guaranteed Crediting Interest Rate of 4.88% p.a. for the first 12 policy months!

Why you should get it?

Short Premium Paying Term

Pay fixed premiums for only 3 years and enjoy a full 15-year plan with guaranteed protection and benefits.

Hassle-Free Enrolment

No medical check-up required for applications up to RM1,000,000 per life.

Guaranteed Cash Payments (GCP)¹

Receive Guaranteed Cash Payments (GCP) annually from the end of 1^st policy year until the end of policy term.

Comprehensive Life & Accidental Protection

Coverage for Death, Total & Permanent Disability (TPD)², and an additional payout of up to 400% of the basic face amount in the event of Accidental Death⁴.

Steady Growth with Potential Upside

Enjoy potential investment returns through monthly Crediting Interest Rate (CIR)³ declared by our universal life fund where the guaranteed minimum CIR of 2.0% p.a. for the first 5 years, and floored at 0.0% p.a. thereafter.

Maturity Benefit

At the end of Policy Year 15, receive a lump sum of Maturity Benefit and GCP Account Value, if any.

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Additional Information

GCP is payable from the Basic Account. It will only be payable provided all premiums are paid up to date. Upon inception, you can choose to receive the GCP or keep the GCP with MIB. If you choose to keep the GCP with MIB, the amount will create a GCP Account Value which will be invested into a universal life fund and accumulate with the Crediting Interest Rate. Withdrawal from the GCP Account is not subject to any charges/fees. Returns are not guaranteed and are subject to the investment performance of MIB and applicable charges.
TPD coverage is up to 15th policy year or up to Insured’s age 70, whichever is earlier.
The Crediting Interest Rate declared is not guaranteed and may fluctuate depending on the actual investment return of the fund. A smoothing mechanism will be applied by Manulife to determine the Crediting Interest Rate. The Crediting Interest Rate is subject to Investment Income Tax and Fund Management Charge. Refer fund fact sheet for more info.
Accidental Death Benefit is only applicable if entry age is 60 and below, the coverage is up to the 15th policy year or up to the Insured’s age 65, whichever is earlier. Terms and conditions apply. Please refer to the policy contract for more details.

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