<?xml version="1.0"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://www.manulife.com.my/en/individual.html</loc><lastmod>2026-03-30</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url><url><loc>https://www.manulife.com.my/en/individual/individual.html</loc><lastmod>2025-04-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goals.html</loc><lastmod>2025-06-17</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goals/generic-full-width.html</loc><lastmod>2025-04-29</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goals/generic-left-rail.html</loc><lastmod>2025-04-23</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goals/generic-full-width-jp.html</loc><lastmod>2025-04-23</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goals/generic-left-rail-jp.html</loc><lastmod>2025-04-23</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/individual/life-goal-killy-test.html</loc><lastmod>2025-04-23</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/individual/test-page.html</loc><lastmod>2025-05-28</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/products.html</loc><lastmod>2025-09-23</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life.html</loc><lastmod>2020-07-16</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/protection-life-insurance.html</loc><lastmod>2026-03-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/term-life.html</loc><lastmod>2026-03-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/term-life/manuterm.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/term-life/manuprotect.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-cover.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-protect.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/whole-life.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/whole-life/manuwhole-life.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/life/whole-life/manulife-future-shield.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health.html</loc><lastmod>2019-04-11</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/products/health/medical-hospitalisation/manulife-ez-med-deductible.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/manulife-multici-enrich.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/beyond-critical-cover-series-plus-bcc-booster.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/advance-beyond-critical-cover.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/manulife-easy-5.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/manulife-precious-gift.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/health/critical-illness/manuez-ci.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save.html</loc><lastmod>2019-04-11</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/products/save/savings.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/savings/manulife-future-shield.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/savings/manulife-universal-saver.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/savings/manusecure-series.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/retirement.html</loc><lastmod>2026-03-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/retirement/manulife-future-shield.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/retirement/manulife-universal-saver.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/save/retirement/manusecure-series.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest.html</loc><lastmod>2019-04-11</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan.html</loc><lastmod>2026-03-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulink-essential-and-essential-plus.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulink-premier.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulife-asset-shield.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulife-value-enhancer.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulink-wealth.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/live-it-up.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/live-it-up/live-it-up.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/sme-business.html</loc><lastmod>2023-11-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/sme-business/sme-business-solution.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance.html</loc><lastmod>2019-10-04</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/protection.html</loc><lastmod>2026-03-24</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/wealth-building.html</loc><lastmod>2026-01-13</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/education.html</loc><lastmod>2024-06-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/retirement.html</loc><lastmod>2026-01-13</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/legacy.html</loc><lastmod>2026-03-24</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/bancassurance/credit-life.html</loc><lastmod>2026-01-13</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/products/plan-your-goal.html</loc><lastmod>2019-04-11</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/products/signature/protection/signature-heirloom.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/funds/funds.html</loc><lastmod>2023-07-27</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge.html</loc><lastmod>2026-03-17</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/4-things-you-should-do-before-you-retire.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/insight-detail-template.html</loc><lastmod>2026-01-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/tips-to-get-affordable-insurance-for-the-family.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-health-tips-for-women-over-50.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/the-ultimate-guide-on-buying-your-first-life-insurance-plan.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/get-ready-for-movember-because-nothing-to-fear.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/6-genius-ways-to-live-well-on-a-small-income.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-manuprotect-is-suitable-for-young-adults.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/getting-your-breasts-checked-is-nothing-to-fear.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/demystifying-legacy-planning-for-high-net-worth-individuals.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-manuprotect-is-suitable-for-seniors.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/should-seniors-over-50-buy-medical-insurance-or-a-term-life-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-term-life-insurance-is-perfect-for-millennials.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-best-workouts-for-men-over-50.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-biggest-myths-about-life-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/insurance-buying-tips-when-you-re-over-50.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/term-life-insurance-versus-whole-life-insurance--which-is-more-suitable.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/3-things-you-must-do-to-secure-your-family-s-finances.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-things-all-millennials-should-do-to-achieve-financial-freedom.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-tips-to-have-a-healthy-and-happy-family.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/4-things-you-can-leave-behind-for-your-children.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/how-life-insurance-is-different-from-health-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/does-your-medical-card-pass-the-future-proof-test.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/what-gives-you-peace-of-mind-from-Malaysia-main-killer-heart-attack.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/your-world-without-life-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/do-your-savings-pass-the-pandemic-stress-test.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/stress-management-for-peace-of-mind.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-is-it-important-for-me-to-save-and-invest.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-buy-critical-illness-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/what-happens-in-a-recession.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/top-new-normal-pandemic-millennials-will-get-used.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/5-good-reasons-to-consider-having-a-medical-card.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/just-married-time-to-get-life-insurance.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-should-women-get-critical-illness-coverage.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/staying-healthy-is-rewarding.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/taking-care-of-your-health.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/plan-well-for-a-good-retirement.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/things-to-know-before-getting-medical-card.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/critical-illness-insurance-to-your-financial-aid-during-critical-times.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/grow-your-wealth-and-enjoy-protection-with-an-investment-linked-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/life-insurance-protects-your-loved-ones.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/plan-early-for-a-comfortable-retirement.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/heartbeats-for-health.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/family-financial-planning-how-to-make.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-family-saving-is-important.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/a-beginners-guide-to-personal-financial-planning.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/critical-illnesses-commonly-covered-by-insurance.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/life-directed-by-you.html</loc><lastmod>2026-01-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-is-it-important-for-me-to-save-and-invest1.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/plan-early-for-a-comfortable-retirement1.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/why-life-insurance-is-important-and-why-you-need-it.html</loc><lastmod>2026-03-04</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/what-is-medical-insurance-and-how-it-works.html</loc><lastmod>2026-03-04</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://www.manulife.com.my/en/individual/knowledge/is-critical-illness-insurance-worth-it.html</loc><lastmod>2026-03-27</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://www.manulife.com.my/en/individual/services.html</loc><lastmod>2025-05-28</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/customer-website.html</loc><lastmod>2023-10-06</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/manage-your-policy.html</loc><lastmod>2025-08-06</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/medical-premium-repricing.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/forms-library.html</loc><lastmod>2025-09-24</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/insurance-library.html</loc><lastmod>2026-01-26</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/make-a-payment.html</loc><lastmod>2025-12-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/file-a-claim.html</loc><lastmod>2023-11-30</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/faq-removal-of-Out-patient-Lifetime-Limit-for-ManuHealth-Elite.html</loc><lastmod>2019-10-01</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/investment-linked-policy-guide.html</loc><lastmod>2025-07-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/participating-fund-statement-pf2024.html</loc><lastmod>2025-07-11</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/update-customer-email-address.html</loc><lastmod>2019-10-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/fundswitch.html</loc><lastmod>2026-02-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/top-up.html</loc><lastmod>2021-09-17</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/enhanced-MMF.html</loc><lastmod>2020-10-13</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/waiver-of-90-day.html</loc><lastmod>2021-08-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/IL-Renewal-Benefit.html</loc><lastmod>2021-07-22</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/e-annual-premium-statement.html</loc><lastmod>2026-03-26</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/manulife-eap-managed-fund-enhancement.html</loc><lastmod>2022-06-28</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/manulife-progress-fund-enhancement.html</loc><lastmod>2023-01-25</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/change-in-service-tax.html</loc><lastmod>2024-02-23</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/e-Invoice-implementation.html</loc><lastmod>2025-10-10</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/updates-on-interim-relief-measures-for-premium-repricing.html</loc><lastmod>2025-06-04</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/scam-awareness.html</loc><lastmod>2025-04-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/branch-operating-hours.html</loc><lastmod>2025-12-22</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/announcements/temporary-branch-closure.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/customer-service-charter.html</loc><lastmod>2025-08-07</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/crediting-rate.html</loc><lastmod>2026-03-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/glossary.html</loc><lastmod>2026-01-28</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/dedicated-customer-parking.html</loc><lastmod>2023-07-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/tpa-medical-claims.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/services/customer-satisfaction-index-survey.html</loc><lastmod>2024-11-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us.html</loc><lastmod>2026-03-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/about-manulife-malaysia.html</loc><lastmod>2026-03-16</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/about-manulife-malaysia/manulife-holdings-berhad-board-of-directors.html</loc><lastmod>2026-01-21</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/about-manulife-malaysia/manulife-insurance-berhad-board-of-directors.html</loc><lastmod>2026-01-02</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/about-manulife-malaysia/manulife-investment-management-board-of-directors.html</loc><lastmod>2025-12-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/corporate-governance.html</loc><lastmod>2026-01-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/sustainability.html</loc><lastmod>2026-03-19</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/awards-and-recognitions.html</loc><lastmod>2025-10-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/financial-information.html</loc><lastmod>2025-08-21</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/newsroom.html</loc><lastmod>2026-01-06</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us.html</loc><lastmod>2026-02-11</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us/corporate-office-careers.html</loc><lastmod>2025-04-18</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us/manulife-advisors.html</loc><lastmod>2025-07-21</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us/manulife-advisors/recruitment-boss-up.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us/manulife-advisors/manulife-advisors.html</loc><lastmod>2025-04-17</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/join-us/young-entrepreneurs-club.html</loc><lastmod>2021-08-04</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/about-us/investor-relations.html</loc><lastmod>2026-03-16</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/contact-us.html</loc><lastmod>2026-01-02</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/goals.html</loc><lastmod>2026-01-02</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/goals/protect-myself-from-lifes-uncertainties.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/goals/prepare-for-my-familys-future.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/goals/grow-my-wealth.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/goals/plan-for-my-retirement.html</loc><lastmod>2026-03-29</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors.html</loc><lastmod>2026-03-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/melvin-lim.html</loc><lastmod>2025-07-02</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/fayie-wong-kin-hooi.html</loc><lastmod>2025-07-02</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/amy-cheong.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/may-yee.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/lee-lai-ling.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/lim-pheng-pheng.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/kadence-tan.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/cynthia-wong.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/maggie-hiew.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/koh-hui-kin.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/chong-wei-ling.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/kiu-kwong-hie.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/umar-hakim.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/joon-tan.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/kelly-siew.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/sharon-ng-pui-mun.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/ooi-ai-tee.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/jeremy-ng.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/michael-ng.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/jack-mok.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/dr-careemah-choong.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/sharon-chan.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/shino-chan.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/andrew-lee.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/cross-cheng.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/jalynn-thye.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/chen-sheng.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/venice-phee.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/theodore-lim-teng-leong.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/karen-khor.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/tee-lay-hoon.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/liew-pei-kuan.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/melisyah-tang.html</loc><lastmod>2025-11-20</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/kelly-goh.html</loc><lastmod>2026-04-03</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/insurance-advisors/catherine-choo.html</loc><lastmod>2026-04-03</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/campaigns/asia-care-survey-2023.html</loc><lastmod>2023-06-12</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/campaigns/life-directed-by-you.html</loc><lastmod>2026-02-25</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/campaigns/life-directed-by-you-contest.html</loc><lastmod>2026-02-27</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/birthday-e-card-hb2026.html</loc><lastmod>2025-12-31</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/terms-of-use.html</loc><lastmod>2019-09-13</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/privacy-policy.html</loc><lastmod>2025-10-09</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/talk-to-us.html</loc><lastmod>2023-05-30</lastmod></url><url><loc>https://www.manulife.com.my/en/individual/eddl-test-pages/eddl-r68.html</loc><lastmod>2024-10-04</lastmod><changefreq>always</changefreq><priority>1</priority></url><url><loc>https://www.manulife.com.my/en/individual/eddl-test-pages/eddl-batch-6-items.html</loc><lastmod>2024-12-09</lastmod></url></urlset>