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Manulife Philippines, the local arm of leading international financial services Manulife today announced the launch of Wealth Guarantee Plus, a limited-time, single-payment life insurance plan designed to help customers secure predictable income while preserving their capital and maintaining life insurance protection. The plan provides guaranteed annual cash payouts of up to 5%¹ for seven years, returns the full premium at the end of the term, and includes life insurance coverage throughout the 7-year policy period, giving customers greater certainty as they plan for future financial needs.
The plan offers higher cash payouts over a longer period compared with earlier versions of Wealth Guarantee. For example, a customer who pays a single premium of PHP 3 million will receive PHP 150,000 annually for seven years, with the full PHP 3 million returned at the end of the seventh year. The plan also provides life insurance coverage equivalent to 125% of the single premium for seven years.
The launch reflects a broader shift in how Filipinos think about financial planning and legacy. Manulife’s Asia Care Survey 2026 found that 88% of Filipinos believe their own independence and financial freedom is the inheritance they want to leave their families, while nine in 10 aspire to remain self-sufficient for as long as possible. As more Filipinos seek ways to fund their future without relying on others, predictable income and capital-preserving solutions are becoming an increasingly important part of long-term financial planning.
“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, 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.”
With returns guaranteed by the policy and not dependent on market performance, Wealth Guarantee Plus gives customers greater certainty over their income for a defined period. This can help them plan more confidently for key financial goals, from education funding to retirement income and other long-term needs.
Wealth Guarantee Plus requires a minimum single premium of PHP 300,000 and is now available through Manulife financial advisors nationwide.
1 The 5% rate applies to single premiums of PHP 3 million and above. A 4.75% rate applies to single premiums below that. Guaranteed payouts and premium return are payable for as long as the insured person is living.
