Self-Serve Support

FAQs

Find answers to frequently asked questions about Manulife's services and policies below.

Account registration and log in

How can I register a MyManulife / Manulife SG App account?

Follow the steps below to create your account:

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click "Register a ManuConnect account".

3. Enter your NRIC/FIN/Passport/Other identification number registered with Manulife and your date of birth, then click "Continue".

4. A One-Time Password (OTP) will be sent to your mobile number registered with Manulife. Verify your account by entering the OTP.

5. Input your registered email address and set your password, then click "Continue".

6. A verification code will be sent to this email address. Verify your account by entering the OTP.

7. Your account has been successfully created! You will be directed to the main page to log in and start using your account.

What is my ManuConnect ID?

ManuConnect ID is the login ID used to access all Manulife platforms.

If you have forgotten your ManuConnect ID, follow the steps below to retrieve your ManuConnect ID:

1. Log in to your account via MyManulife or the Manulife SG App.

2. If you're on MyManulife, click "Forgot ManuConnect ID." If you're using the Manulife SG App, tap "Sign in", followed by "Forgot/Reset password".

3. Enter your NRIC/FIN/Passport/Other identification number registered with Manulife and your date of birth, then click "Continue".

4. A One-Time Password (OTP) will be sent to your mobile number or email address registered with Manulife. Verify your account by entering the OTP.

5. After verification, you will receive your ManuConnect ID.

What is my MyManulife / Manulife SG App account password?

If you have forgotten your password, follow the steps below to reset your password:

1. Log in to your account via MyManulife or the Manulife SG App.

2. If you're on MyManulife, click "Forgot/Reset password". If you're using the Manulife SG App, tap "Sign in", followed by "Forgot/Reset password".

3. Enter your ManuConnect registered email address, then click "Continue".

4. A One-Time Password (OTP) will be sent to your ManuConnect registered email address. Verify your account by entering the OTP.

5. Create a password, then click "Continue".

6. Your account password has been successfully updated! You will be directed to the main page to log in and start using your account.

Follow the steps below to change your login email and/or password:

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Profile" tab, then select "Login & Password".

3. Click "Edit" to update your login and/or password.

How can I install the Manulife SG App?

Manulife SG App is available on both Google Play and Apple App Store. Download the app using the QR code below for convenient access to your policies.

Sign in using your ManuConnect ID and password, or via Singpass.
If this is your first time using the app, you will receive a prompt to register your device for biometric authentication. Select “Enable" to proceed.
Alternatively, after signing in, go to your profile. Under “Account settings”, enable the toggle button next to Biometric ID.

How do I enable push notifications on the Manulife SG App?

1. Sign in using your ManuConnect ID and password, or via Singpass.
2. If this is your first time using the app, you will receive a prompt to turn on notifications. Select “OK" or “Allow” to proceed.
3. Alternatively, after signing in, go to your profile. Under “Account settings”, enable the toggle button next to Push notifications.

What is the digital token on the Manulife SG App?

The digital token is a secure and seamless way to log in to your MyManulife account. It also allows you to authenticate your requests safely without relying on SMS or email OTPs.

How do I enable the digital token on the Manulife SG App?

Sign in using your ManuConnect ID and password, or via Singpass.
If this is your first time using the app, you will receive a prompt to enable digital token. Select “Enable" to proceed.
Alternatively, after signing in, go to your profile. Under "Account settings", enable the toggle button next to Digital token.

View eStatements and contracts

How can I view my policy statements and contracts?

You can view and download past policy statements and contracts through our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Documents" tab, then select "eStatements & Contracts".

3. Select the policy you would like to view.

Where can I find my policy contract?

You can access policy contracts issued from September 2018 onwards (for policies purchased via DBS/POSB, only contracts issued from July 2019 onwards) through our customer portal, MyManulife, or via the Manulife SG App.

If you need the policy contract for policies issued before September 2018, click here to contact our Client Services Team.

View policy details

How do I check my premium term and amount?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select the relevant policy from the dashboard.

3. You can view your premium duration and amount under the “Premium payment” tab.

How do I check my payment mode / method?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select the relevant policy from the dashboard.

3. You can view your payment mode / method under the "Premium payment" tab.

How do I find out my total premium paid?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select the relevant policy from the dashboard.

3. Under the "Premium payment" tab, find the Total premiums paid to date under "Premium details".

How do I find my servicing Representative?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on "Policies" and select the relevant policy.

3. Under the "Policy Information" tab, scroll to the bottom of the page to check the servicing Representative for your policy.

If your policy does not have any assigned Representative, you may contact us via the Contact Us form

How do I update my residential address, contact number and email?

Update your contact details instantly by logging in to our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Profile" tab.

3. Click on "Contact & Address" to update your contact details.

You can update your marketing consent preference through our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Profile" tab, then select "Consent".

3. Click "Edit" to update your preferences.

Where can I update my communication preferences?

You can update your communication preferences through our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Profile" tab, then select "Document preference".

3. Select "Receive eStatements" and submit your change.

We recommend opting for eCommunications to receive timely notifications, statements, and letters electronically via email and MyManulife, providing convenience and reducing paper usage.

How will electronic statements be delivered to me?

Statements and notices will be made available to you through:

Email

Statements are encrypted and sent to the email address on our record. You can follow the instructions in the email to unlock the statements using the unique password.

MyManulife / Manulife SG App

Statements, notices, and letters issued within the last two years, as well as all endorsements and bonus revision letters from 2016 can be viewed and downloaded anytime from our secure customer portal, MyManulife, or via the Manulife SG App.

Can I receive both electronic and paper communications?

We are unable to offer a combination of electronic and paper communications. All customer communications will be transitioned to electronic format, with the option to receive paper statements.

However, in cases where digital copies are not available, Manulife may continue to send important correspondences by mail. For more information about our communication methods, please click here.

Can I request for previous statements and notices?

For statements and notices that are not on MyManulife, you may submit the request via the Contact Us form.

Policy loan

How do I apply for a policy loan?

We encourage you to speak with your Representative to discuss the options for your policy.

Click here for information on the necessary documentation required to apply for a policy loan.

Who will need to sign the form to apply for policy loan?

For non-trust policies, the Assignee or Policyowner must sign the form.

For a Trust policy under S49L, either of the following parties must sign the form:

Policyowner and any one Trustee (excluding the Policyowner), or
All Beneficiaries (each Beneficiary must be at least 18 years old)

For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

Upon applying for a policy loan, to whom will the payment be made?

For non-trust policies funded by cash, we will make the payment to the Assignee or Policyowner.

For a Trust policy under S49L, we will make the payment to the Trustee or Beneficiary who signs on the form.

For a Trust policy under S73, we will make the payment to all Trustees.

Digital payouts

How can I choose to receive my payouts via PayNow or Electronic Fund Transfer (EFT)?

PayNow or EFT enables us to directly credit policy payouts such as surrender proceeds, coupons or dividends and premium refunds into your bank account.

You can opt for payouts via PayNow or EFT through our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Servicing" tab, then select "Change payout method".

3. Follow the necessary steps update your preferences.

If I have submitted a hard copy form to request for payouts via Electronic Fund Transfer (EFT), who will need to sign the form?

For non-trust policies, the Assignee or Policyowner must sign the form.

How to apply for Telegraphic Transfer (TT) for my policy?

If you would like to apply for Telegraphic Transfer (TT) to credit your policy payout to your overseas bank account, please complete the Telegraphic Transfer (TT) Form.

For non-trust policies, the Assignee or Policyowner must sign the form.

Coupon/Survival/Bonus

How do I arrange for regular withdrawals for my annuity policy?

The amount and duration of the regular withdrawals will depend on the terms of your policy.

If you wish to apply for regular withdrawals of your annuity policy, please complete the Regular Withdrawal – Variable Annuity Form.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I request for withdrawal of coupons, survival benefits or bonuses?

Depending on the features of your policy, cash coupons or survival benefits may be paid out at regular intervals during the policy term, provided that the policy is in force.

Click here for information on the necessary documentation required to request for a withdrawal.

Who will need to sign the form to request for the withdrawal?

For non-trust policies, the Assignee or Policyowner must sign the form.

For a Trust policy under S49L, either of the following parties must sign the form:

Policyowner and any one Trustee (excluding the Policyowner), or
All Beneficiaries (each Beneficiary must be at least 18 years old)

For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

I have requested for a withdrawal – to whom will the payment be made?

For non-trust policies:

CPF Ordinary Account (OA) policy – payment will be made to the agent bank
CPF Special Account (SA) policy – payment will be made to CPF Board
Cash-funded policy – payment will be made to the Assignee or Policyowner

For a Trust policy under S49L, we will make the payment to the Trustee or Beneficiary who signs on the form.

For a Trust policy under S73, we will make the payment to all Trustees.

Surrender/Termination

How do I surrender/terminate my policy?

A policy with an accumulated cash value can be surrendered for cash. That said, do note that surrendering your policy may have the following consequences:

You will lose the valuable benefits and coverage of your policy.
You may not be able to meet your long-term financial objective(s).
You may not be able to obtain a similar level of protection on the same terms in the future.

If you would like to continue your policy but seek assistance with premium payments, we urge you to speak to your Representative to discuss your options.

Click here for information on policy surrender.

How do I check my surrender value?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select the relevant policy from the dashboard.

For non-investment linked policies

3. Under the "Financial information" tab, scroll to the bottom of the page. Find the Net Surrender Value under "Surrender" or "Net surrender value".

For investment linked policies

3. Under the "Investment & Balance" tab, scroll to the bottom of the page. Find the Surrender Value under "Financial Information".

How will I receive my payout if I surrender my policy?

For non-trust policies:

CPF Ordinary Account (OA) policy – proceeds will be paid to the agent bank
CPF Special Account (SA) policy – proceeds will be paid to CPF Board
Cash-funded policy – proceeds will be paid directly to the Assignee/Policyowner either through PayNow or Electronic Fund Transfer

For Trust under S49L:

We will pay the proceeds to the Trustee or Beneficiary who signed on the Surrender/Withdrawal Form.

For Trust under S73:

We will pay the proceeds to all Trustees.

When will I receive my payout if I surrender my policy?

^ For Investment linked policy (T day is the processing date)

PayNow: T + 3 working days
EFT: T + 6 working days
SA : T + 3 working days
OA/SRS : T + 6 working days

For non-Investment-linked policy (T day is the processing date)

PayNow: T + 1 working day
EFT: T + 3 working days
SA : T + 1 working days
OA/SRS : T + 3 working days

Note:

Please note that surrender request received before 3pm will be considered as the same day transaction (T day).

^ For investment-linked policy, please expect some delay in processing in the event of fund holiday or any pending transactions (including monthiversary processing). The surrender transaction can only be done after all pending transactions have been completed. The above timeline will be prolonged accordingly.

How do I terminate riders or supplementary benefits?

You may wish to get in touch with your Representative to discuss the options for your policy.

If you would like to apply for changes to your rider or supplementary benefit, please complete the Policy Details Change Form and submit the completed form to us via one of the following channels:

Upload the form to our customer portal, MyManulife, or via the Manulife SG App (refer to steps below).
Email to us at forms@manulife.com.

How to upload form to MyManulife

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on "Servicing".

3. Under "Upload Forms", click on "Other Transactions". Follow the instructions on the page to submit the completed form.

How do I request for Withdrawal/Surrender if I do not have a Representative or if my policy has a trust arrangement?

If you do not have a Representative or if your policy has a trust arrangement, you may submit the request via the Contact Us form

Who will need to sign the form to request for Withdrawal/Surrender?

For non-trust policies, the Assignee or Policyowner must sign the form.

For a Trust policy under S49L, either of the following parties must sign the form:

Policyowner and any one Trustee (excluding the Policyowner), or
All Beneficiaries (each Beneficiary must be at least 18 years old)

For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

Policy Assignment

How do I assign my policy to an individual or corporate entity?

Click here for information on the necessary documentation required to perform an absolute assignment.

Can an Absolute Assignment form be performed for all policies?

Not all policies are eligible for an Absolute Assignment form. Please refer to the “Checklist” found in Absolute Assignment Form to an Individual or Absolute Assignment Form to an Entity.

I would like to use my policy as a security for a loan, i.e. collateral assignment. How do I do that?

You can only make a collateral assignment to Financial Institutions, i.e. banks.

Click here for information on the necessary documentation required to perform an assignment.

Nomination/Will

How do I nominate a beneficiary for my policy?

Policyowners can nominate beneficiaries to receive the benefits of their insurance policies in the event of death of the life assured.

There are two types of nominations: Trust Nomination and Revocable Nomination. Click here for information on how to make a nomination.

How do I inform Manulife if I have made a will or a change to my existing will?

Click here for information on the necessary documentation required.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

Policy Reinstatement

How do I reinstate a lapsed policy?

A policy will lapse when premiums are not paid after the grace period of 30 days and there is no cash value, or when an Automatic Premium Loan cannot be applied and/or the fund value is less than the monthly insurance and administrative charges.

However, you may apply to reinstate the policy to continue enjoying the cover and benefits of the policy, subject to the terms of the policy contract.

Click here for information on the necessary documentation required to reinstate a lapsed policy.

What is the validity period of the reinstatement form?

The reinstatement form is valid for two months from the signed date in the form.

I am applying to reinstate a lapse policy, how many reinstatement forms do I need to complete?

You will need to complete one form, unless there are multiple dependents on the same policy.

Please note the following signing requirements:

For non-trust policies, the Life Insured and Assignee or Policyowner must sign the form and the Life Insured will need to sign to declare his/her health status.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Life Insured, Policyowner and all Trustees must sign on the form.

Policy Coverage

How do I change the Life Insured of my policy?

This applies to policies with a Parent’s Option (PO) rider that allows the Policyowner to change the Life Insured to the designated child. For policies with a Life Replacement Option (LRO), the Policyowner may apply to change the Life Insured to anyone that has an insurable interest.

We encourage you to speak with your Representative to discuss the options for your policy.

If you would like to apply to change the Life Insured of your policy, please complete the Policy Details Change Form and submit it to us with the necessary document(s) requested.

Please note that the Assignee or Policyowner and the Life Insured, where applicable, must sign the form.

How can I change the sum insured for my policy?

Depending on your policy contract, you may choose to increase or decrease the sum insured for your policy and the attaching riders, where applicable.

Increase in sum assured is only applicable for selected plans and will be subject to underwriting.

We encourage you to speak with your Representative to discuss the options for your policy.

If you would like to apply for a change in the sum insured of your policy, please complete the Policy Details Change Form and submit it to us with the necessary document(s) requested.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

I have submitted a request to increase the sum insured for my policy. When will the increase in sum insured take effect?

For Traditional policies:

The increase will take effect from the policy effective date. You will be advised of the premium and interest payable, where applicable, for your application.

For Investment-linked policies:

The increase will take effect from the next monthiversary.

I have submitted a request to decrease the sum insured for my policy. When will the decrease in sum insured take effect?

For Traditional policies:

The decrease will take effect on the next premium due date. If your policy has attained cash value, there will be a partial refund of the cash value to you, after offset of any outstanding loan balance, where applicable.

For Investment-linked policies:

The decrease will take effect from the next monthiversary.

I would like to update my policy with my change in occupation, how can I do so?

If your occupation has changed and you would like to update your records with us, please complete the Policy Details Change Form.

Please note that the Assignee or Policyowner and the Life Insured, where applicable, must sign the form.

How do I change a supplementary benefit/ rider?

Depending on your policy contract, you may choose to add or delete a rider or supplementary benefit for your policy. Addition of Riders or Benefits is subject to underwriting and the premium charged is based on the life insured’s attained age at date of application.

We encourage you to speak with your Representative to discuss the options for your policy.

If you would like to apply for changes to your rider or supplementary benefit, please complete the Policy Details Change Form and submit it to us with the necessary document(s) requested.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)

For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I appoint or change the Secondary Life Insured of my policy?

If you would like to appoint or change the Secondary Life Insured of your policy, click here for information on the necessary documentation required to submit your request.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I make changes to my recurring single premium (RSP) investments?

If you would like to make changes to your standing instruction for recurring single premium (RSP) investments, click here for information on the necessary documentation required to submit your request.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I convert my policy to a reduced paid up policy?

If your policy has an accumulated cash value, you can exercise the option to convert it to a reduced paid-up (RPU) policy. The face amount of your policy will be reduced and the life insured will be covered for the reduced face amount. You will not need to pay any future premiums.

If you would like to apply to convert your policy to a reduced paid-up policy, please complete the Policy Details Change Form.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

Change premium method / frequency

How do I change the payment method for my policies?

If you would like to change your payment method to GIRO, you can easily set up a GIRO arrangement via our customer portal, MyManulife, or via the Manulife SG App.

To change to a direct billing payment method, please complete the Policy Details Change Form.

You may then submit the completed form, along with any supporting documents, through one of the following channels:

Upload the form to our customer portal, MyManulife, or via the Manulife SG App.
Email the completed form to forms@manulife.com using the registered email address you have with us. Kindly ensure that your signature on the form matches our record.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I change the frequency of my premium payments?

You can adjust your premium payment schedule to suit your needs, choosing from Monthly, Quarterly, Half-yearly or Yearly payments, based on the terms of your insurance plan. Click here for how to submit your request to change the premium frequency for your policy.

Do all policies allow for direct billing payment method?

Monthly-paying frequency policies need to be paid via GIRO. This is in consideration of the high frequency and ensuring ease of payment.

What is the estimated processing time for changing my payment method?

For GIRO application via MyManulife portal, application is within minutes and will take effect within a day.

For payment method change from GIRO to direct billing, the process will complete within 3 working days.

How do I make changes to my policy premium?

If you would like to make changes to your policy premium, please complete the Policy Details Change Form and submit it to us with the necessary document(s) requested.

For Investment-Linked Policies, please note the following:

The fund units will be bought at the forward offer price.
If there is an increase in premium, the increase in premium is invested based on your policy’s first-year allocation rate.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

I have submitted a request to change my policy premium, when will my request take effect?

Your request will take effect on the next premium due date.

GIRO Arrangement

How do I set up GIRO arrangement for my policy?

You can apply for GIRO to enjoy seamless payment of your premiums with instant approval from any of the nine participating banks: DBS/POSB, OCBC, UOB, Citibank, Standard Chartered, HSBC, Maybank, ICBC and Bank of China.

Follow these steps to apply for GIRO on our customer portal, MyManulife, or via the Manulife SG App.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Payment" tab, followed by "Premium Payment".

3. Click on "GIRO application".

4. Follow the instructions on the page to guide you through the setup process for your GIRO arrangement.

For more information on GIRO, click here.

How do I check for details on my GIRO arrangement?

You can review the details of your GIRO arrangement for each of your individual policies by logging into your MyManulife account.

Follow the steps below to review the details of your GIRO arrangement.

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select the policy and click on the "Premium Payment" tab.

3. Under "Payment Method", you can find your GIRO arrangement details.

How do I check if I have an active GIRO arrangement on my policy?

You can access the payment details for your individual policies by logging into your MyManulife account. Select the policy and click on the "Premium payment" tab.

When will my GIRO deduction commence?

After your GIRO application has been approved, you will receive the GIRO Approval notification which indicates your policy's GIRO deduction start date.

Generally, the scheduled GIRO start date will be determined based on your policy's premium due date and plan type (Accident & Health (A&H) plan or otherwise) as follows:

Recurring GIRO deduction schedule
Type of Policies	Premium Due Date	First Deduction Date	Second Deduction Date
Whole Life, Term, Endowment, Retirement, Investment-linked Policies	1^st to 15^th	16^th of the current month	2^nd of the next month
	16^th to 31^st	2^nd of the next month	16^th of the next month
Accident & Health Policies	1^st to 15^th	16^th of the previous month	2^nd of the current month
Accident & Health Policies	16^th to 31^st	2^nd of the current month	16^th of the current month
Ex-John Hancock Policies	1^st to 31^st	10^th of the current month	22^nd of the current month

Note:

You will be informed of the GIRO deduction date in our approval letter once your GIRO application is approved.
Should the scheduled deduction fall on a non-working day, the deduction will take place on the next working day.
Your premium will be sent to the bank 5 working days prior to the actual deduction date. Therefore, any payments made during this period will not be able to stop the GIRO deduction, and any policy changes will not be reflected.
GIRO deduction will not take place if the policy is under Premium Holiday or Premium Shortfall Charge.
Change of bank account number will not change existing GIRO deduction date.

What happens when my GIRO deduction fails?

If your first GIRO deduction fails, we will attempt to make another deduction on the next scheduled date, as long as the policy is still in force. The GIRO deduction is scheduled on the 2nd or 16th of every month for all Manulife policies.

Why was my hardcopy GIRO application rejected?

There are many rejection reasons associated with hardcopy GIRO forms.

Some common reasons include:

Incomplete or missing information;
Variations or discrepancies in your signature compared to the Bank's records;
Amendments made using correction fluid or tape.

With eGIRO, there are upfront validations on both MyManulife as well as the bank portal. This makes eGIRO faster, easier and without the worry for unnecessary rejections.

What are the fees and charges applicable for setting up a GIRO arrangement?

There are no fees or charges associated with setting up a GIRO arrangement.

How do I change my GIRO account?

You can apply for a new GIRO arrangement, which will replace any existing GIRO arrangement. There is no need to terminate the existing GIRO arrangement before applying for a new one.

How long does it take to process my GIRO application?

When applying for eGIRO through MyManulife, your application can be completed within minutes and approved within a day. For eligible applications using Interbank GIRO Application Form, your application may take up to 60 days to become active.

How do I know if my GIRO application is approved?

Once your eGIRO/GIRO application has been successfully processed, we will send you a GIRO Approval notification through either eComms or mail, depending on your document preference.

Will I be notified when a GIRO deduction occurs?

Upon every scheduled GIRO deduction, we will liaise with your bank to debit the premium amount from your bank account. Your bank may notify you of such deductions, depending on your notification preference with the bank. Alternatively, you may also refer to your bank statement for the respective successful deduction.

If there is any unsuccessful deduction, we will inform you via the Unsuccessful GIRO Deduction notice. If this is the first deduction attempt, we will retry for a second deduction if the policy is still in force.

How do I make changes to my investment portfolio?

You can manage your funds easily on our customer portal, MyManulife, or via the Manulife SG App.

Auto re-balance your portfolio: To set an instruction to automatically adjust your portfolio holdings to match your chosen fund allocation, click here.

Switch funds: To transfer your fund value or units to different funds, click here.

Change premium allocation: To allocate your future premiums to different funds, click here.

How do I request for auto-rebalancing if my policy has a trust arrangement?

If your policy has a trust arrangement, please download and complete the Fund Switch/Premium Redirection/Auto-Rebalancing Form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.

Please note the following signing requirements:

For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)

For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I request for fund switch if my policy has a trust arrangement?

If your policy has a trust arrangement, please contact us at service@manulife.com to obtain the Fund Switch Form. Alternatively, you may request for the relevant form via this Contact Us form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.

Please note the following signing requirements:

For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I request for premium redirection if my policy has a trust arrangement?

If your policy has a trust arrangement, please download and complete the Fund Switch/Premium Redirection/Auto-Rebalancing Form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.

Please note the following signing requirements:

For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

How do I manage my funds if I have failed the CKA?

If you did not pass the CKA, you will not be able to perform your fund transactions online. Please contact your Representative for assistance with your fund transactions.

How do I read my Investment-Linked Policy monthly statement?

To better understand your monthly statement, please read our comprehensive guide here for a detailed explanation of your statement.

How do I make a single premium top-up for my Investment-Linked Policy?

We encourage you to evaluate your risk tolerance, investment goals and investment time horizon before making an investment decision. Please get in touch with your Representative, who can help you to review the suitability of your investment and assist with any questions you may have on the Customer Knowledge Assessment (CKA).

If you decide to proceed with the investment, please complete the Single Premium Top Up Form and submit it to us with the necessary document(s) requested.

Please note the following signing requirements:

For non-trust policies, the Assignee or Policyowner must sign the form.
For a Trust policy under S49L, either of the following parties must sign the form:
- Policyowner and any one Trustee (excluding the Policyowner), or
- All Beneficiaries (each Beneficiary must be at least 18 years old)
For a Trust policy under S73, the Policyowner and all Trustees must sign on the form.

What does CKA and RPQ mean?

CKA stands for Customer Knowledge Assessment. The CKA serves as a tool to assess your knowledge and/or investment experience in Investment-Linked Policies (ILPs), and Collective lnvestment Schemes (CIS) so that appropriate advice and recommendation can be provided. Any inaccurate or incomplete information disclosed by you can potentially affect the outcome of the assessment and hence, the suitability of the advice/ recommendations.

RPQ refers to the investment Risk Profile Questionnaire. This RPQ is designed to assist Manulife in determining your risk profile through the assessment of your general attitude towards investment risk, as well as your capacity to take on this risk.

How do I submit a claim?

The requirements for submitting a claim vary depending on the type of claim. Please refer to this page for the specific requirements for each type of claim.

Where can I check if my Traditional Chinese Medicine (TCM) is eligible for reimbursement?

Refer to the TCM Practitioner Board link to verify if your TCM practitioner is registered, to ensure your claim is eligible for reimbursement.

How do I check my claim status?

1. Log in to your account via MyManulife or the Manulife SG App.

2. Select 'Transaction history' from the Quick links or from the 'Servicing' tab.

3. Select the relevant policy to view the claim status under the transaction history.

RetireSavvy plan

How do I request for changes to my RetireSavvy plan?

If you own the RetireSavvy plan (distributed by DBS), you have the flexibility to:

Defer Retirement Age
Change Income Payout Period
Change Retirement Income Rate
Premium Top Up

Click here for information on the necessary documentation required.

What are the criteria for making changes to my RetireSavvy plan?

Premium Top Up

Premium top-up can be performed any time 1 year after policy inception and up to 5 years before reaching your selected retirement age per stated in your policy.
Minimum: each premium top-up amount must be at least $3,000.00
Maximum: the total premium top-up(s) amount (in multiples of $10) in each policy year must not exceed the total annual mode basic premiums payable for the basic plan
If premium freeze has been applied to the policy, premium top-up is not allowed thereafter.

Defer Retirement Age, Change Income Payout Period, Change Retirement Income Rate

The request must be made at least 2 years before reaching your selected retirement age.

For Defer Retirement Age, it can only be changed to a "later" (deferred) retirement age but not to an earlier retirement age.

When will my request for the changes to my RetireSavvy plan take effect?

There is a two-step process to effect Premium Top Up.

Upon receipt of your completed form, we will take around 8 working days to generate and send you the Policy Illustration (PI) for your review. Upon signing the PI, please email it to us and make payment for your top up.
Upon receipt of your PI and with full payment made, we will take about 6 working days to effect the top up.

For the other transactions (Defer Retirement Age, Change Income Payout Period, Change Retirement Income Rate), we will take about 3 working days to effect upon receipt of the completed form.

How do I submit the Change of Flexible Options - RetireSavvy Form?

You may submit to us through any of the following modes:

Upload the form to our customer portal, MyManulife, or via the Manulife SG App (refer to steps below).
Email to us at forms@manulife.com.

How to upload form to MyManulife

Log into your account via MyManulife or the Manulife SG App.
Click on "Servicing".

3. Under "Upload Forms", click on "Other Transactions". Follow the instructions on the page to submit the completed form.

Who will need to sign the Change of Flexible Options - RetireSavvy Form?

For non-trust policies, the Assignee or Policyowner must sign the form.

For a Trust policy under S49L, either of the following parties must sign the form:

Policyowner and any one Trustee (excluding the Policyowner), or
All Beneficiaries (each Beneficiary must be at least 18 years old)

LifeReady and LifeReady Plus plans

Do I qualify for Health Advantage Benefit?

For LifeReady and LifeReady Plus policies, if you are a non-smoker and have been accepted at standard terms upon policy issuance, you would have qualified for Health Advantage Benefit and granted a premium discount on your policy basic premiums.

You will continue to enjoy premium discount on your policy basic premiums throughout the premium payment term if you meet the required health targets.

What do I need to furnish to continue the discounted premium?

You will receive a letter from Manulife 90 days before the end of your second policy anniversary. This letter will guide you on how to provide specific health data, including your current height, weight, cholesterol levels, and blood pressure readings.

To facilitate this process, please download the necessary form, complete it with the required information, and submit the relevant health reports. You are welcome to submit your health data at any time before the end of your second policy anniversary.

Do note that the continuation of your Health Advantage Benefits is dependent on satisfactory health status.