Insurers we review
Product by product, for the advisers who place them
Each page below is an independent review written for professional advisers: how the product is built, what the contract guarantees and what it does not, how it has been priced, and where it fits for an internationally mobile client. We add insurers as we review them.
The insurer first
Financial strength, ratings, reserves and the regulator behind the contract, before any product feature.
The contract as written
What is guaranteed, what is declared or non-guaranteed, the charges and the lock-ins, taken from the policy documents rather than the brochure.
Where it fits
The client profile, the jurisdictions, the premium structure and the alternatives an adviser should put beside it.
Our scoring method is set out on each carrier page. The wider ranking of carriers by policyholder reserves is here:
Manulife
The Manufacturers Life Insurance Company, founded 1887
Our carrier review scores Manulife 9.3 out of 10 for 2026 and covers its financial strength, the DIFC launch, and the three products below.
CARRIER REVIEW · 2026
Manulife insurance review 2026
9.3 / 10
Financial strength, MGIUL PRO, MGIUL 24, MGG PRO, the DIFC launch, the MSCI AAA ESG upgrade, and the full 2026 scoring methodology.
Read the review →
INDEXED UNIVERSAL LIFE
Manulife Global IUL PRO
The first international buffered IUL. A 20% downside buffer in exchange for higher caps. Reviewed for HNW and UHNW advisers.
Read the review →
INDEXED UNIVERSAL LIFE
Manulife Global IUL 24
Offshore indexed universal life with a 0% floor, a 24% multiplier and a 3% cumulative guarantee. Reviewed by Carlton Crabbe.
Read the review →
PARTICIPATING WHOLE OF LIFE
Manulife Global Generations PRO
A dual-contract participating whole of life plan with access to the CQS ABS Fund. Reviewed for HNW and UHNW advisers.
Read the review →
COMPARISON
Manulife Global IUL PRO vs MGIUL 24
Buffer against floor, crediting rates, a 20-year backtest and suitability, side by side.
Related adviser briefings
MGIUL 24 critical illness and incapacity benefits·History of Manulife, 1887 to today
Sun Life
Participating whole of life plans from Hong Kong and Bermuda
Two savings-led participating plans, reviewed for advisers placing US dollar whole of life for internationally mobile clients.
PARTICIPATING WHOLE OF LIFE · HONG KONG
SunJoy Global Insurance Plan II
Sun Life (Hong Kong) Limited's participating whole of life plan with guaranteed capital, declared bonuses and multi-currency flexibility. 2-Pay or 5-Pay.
Read the briefing→
PARTICIPATING WHOLE OF LIFE · BERMUDA
Sun Life Zenith Bermuda
The US dollar participating whole of life savings plan launched 1 October 2026, with 2 or 5 year premium terms and launch discounts of up to 30%.
Read the briefing→
Figures on each page are from the insurer's own illustrations and are not guaranteed unless the page says so.
Compare before you place
The same questions, asked of every product
Our IUL comparison sets the live products side by side on floor, cap, charges and loan terms. For a case, send the client's details and we will run the illustrations.