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Crediting Rate

Below are the historical crediting rates for Universal Life products of Manulife Insurance Labuan Limited (“MILL”): 

Period Crediting Rate
From To (p.a.)
01 October 2021 Current 3.35%
01 October 2020 30 September 2021 3.50%
15 November 2019 30 September 2020 3.85%
01 May 2018 14 November 2019


16 October 2017 30 April 2018 3.90%



  • MILL (LL13865) is a company licensed under the Labuan Financial Services and Securities Act 2010 (License No. IS2017173) and regulated by Labuan Financial Services Authority.
  • The Crediting Rates displayed above are only applicable for policies of the Signature Heirloom series that have in force for more than a year. 
  • If the policy is in force for less than a policy year, the Owner will continue to enjoy the Crediting Rate declared at policy issuance during the first (1st) policy year.

Disclaimer: The Crediting Rates are subject to change from time to time. In the event of any revisions in the Crediting Rate, MILL will publish the revised Crediting Rate on this site. MILL will make all reasonable efforts to ensure that the information in this page is up to date.