Manulife Philippines has launched Wealth Guarantee Plus, a limited-time single-payment life insurance plan designed to provide predictable income while preserving the policyholder’s capital.
The plan provides guaranteed annual cash payouts for seven years, returns the full single premium at the end of the term, and includes life insurance protection throughout the seven-year policy period. The annual payout can reach up to 5%, depending on the amount of the single premium.
Guaranteed payouts for seven years
For customers placing a single premium of PHP3 million or more, Wealth Guarantee Plus provides a guaranteed annual payout equivalent to 5% of the premium. Single premiums below PHP3 million receive a 4.75% annual payout rate.
A customer who places PHP3 million, for example, would receive PHP150,000 annually for seven years, with the full PHP3 million returned at the end of the seventh year. The plan also includes life insurance coverage equivalent to 125% of the single premium throughout the seven-year term.
Because the payouts are guaranteed under the policy and are not dependent on market performance, the plan is positioned for customers looking for more predictable cash flow for goals such as education, retirement income, or other long-term financial needs.
Financial independence as a planning priority
The launch comes as more Filipinos place greater importance on financial independence and self-sufficiency.
Manulife’s Asia Care Survey 2026 found that 88% of Filipino respondents believe their own independence and financial freedom are the inheritance they want to leave their families, while nine in 10 aspire to remain self-sufficient for as long as possible.
“Filipino customers work hard to build their wealth, and they want solutions that offer both certainty and confidence,” said Rahul Hora, president and chief executive officer of Manulife Philippines.
“Wealth Guarantee Plus helps meet that need by providing guaranteed annual cash payouts over seven years, full premium return at maturity, and life insurance protection throughout the plan’s term. This reflects Manulife’s commitment to helping Filipinos protect what they have built, plan with greater confidence, and achieve clear, dependable financial outcomes at every stage of life.”
Available with a PHP300,000 minimum premium
Wealth Guarantee Plus requires a minimum single premium of PHP300,000 and is available through Manulife financial advisors nationwide.
The guaranteed payouts and return of premium are payable for as long as the insured person is living. The 5% annual payout rate applies to single premiums of PHP3 million and above, while the 4.75% rate applies to amounts below that threshold.
More information is available through the Manulife Philippines website.