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Important Notice

Exercise caution and remain vigilant against scammers posing as Manulife Singapore staff or financial representatives, or government officials.

Manulife Singapore staff and our financial representatives are committed to ensuring your security, and we will:
1. Never call on behalf of the Monetary Authority of Singapore (MAS).
2. Never request money transfers on behalf of MAS.
3. Never ask for money transfers to any bank account over the phone. For payment of premiums, do refer to https://www.manulife.com.sg/en/self-serve/make-payment.html for our official payment channels.
4. Never request for your personal or financial credentials, such as passwords, one-time PINs (OTPs), or security codes, via phone or email.

If you have any doubts or concerns, please contact our hotline at 6833 8188 (available 9am – 5pm, Mon-Fri, excluding public holidays) or submit a form here for assistance.

For more information, please visit https://www.manulife.com.sg/en/cybersecurity-advisory.html.

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Newsroom

29 April 2025

Manulife Singapore Launches Signature Indexed Universal Life Select (III) – First-in-Market to Offer Five Global Indices and Diverse Growth Potential

  • SIULS (III) offers high-net-worth individuals superior portfolio diversification, flexible premium allocations, and downside protection amid market volatility.
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SINGAPORE - In response to the latest economic uncertainty, Manulife Singapore has launched Signature Indexed Universal Life Select (III), "SIULS (III)", a first-in-market Indexed Universal Life (IUL) solution that offers access to expanded growth potential, extensive global diversification and robust protection.

Designed for high-net-worth individuals (HNWIs) seeking to preserve, grow, and transfer wealth across generations, SIULS (III) provides access to five internationally recognised indices – including the S&P 500, S&P PRISM, S&P GSCI Gold ER Index, Hang Seng, and Euro Stoxx 50. This diversified exposure unlocks attractive upside potential while protecting policyholders from market downturns through a 0% return floor.

"With shifting global trade conditions and increasing financial unpredictability, traditional investment strategies alone may no longer suffice. Having a resilient financial strategy that can withstand market fluctuations and adapt to changing conditions has never been more crucial," said Thomas Lee, Chief Product Officer of Manulife Singapore. "As the pioneer insurer that introduced IUL solutions in Singapore, we remain committed to empowering our customers with tailored financial solutions. SIULS (III) provides the flexibility and performance needed to navigate market fluctuations while ensuring long-term financial security."

The most comprehensive IUL solution in the market

A recent Lombard Odier report revealed that 56% of Singapore’s HNWIs have gravitated towards diversification strategies to manage financial uncertainty, while 53% are turning to safer assets. SIULS (III) is built precisely to address these needs, providing an industry-leading combination of:

Competitive returns and protection

  • First-in-market access to five globally recognised indices, offering broad portfolio diversification. Depending on the chosen index, participation rates can vary. Most indices offer up to 100% index returns, subject to a cap rate.
  • 0% return floor for downside protection, shielding investments against market downturns.
  • Automatic Premium Spread (APS) option, smoothing market fluctuations by distributing index allocations over 12 months.
  • Enjoy one of the highest loyalty bonuses1, rewarding long-term wealth accumulation with 0.8% per annum from Policy Year 11 onwards.
  • Leave a legacy for your loved ones with protection for death and terminal illness.2

Unmatched Flexibility

  • Competitive Fixed Account crediting rate of 4.2% per annum, ensuring stability for risk averse investors.
  • Option to change life insured3
  • Flexible premium payments4, allowing policyholders to adjust contributions to match evolving financial goals.
  • Freedom to access your policy value with penalty-free withdrawals from Policy Year 115

Future-proofing wealth in a changing economic landscape

Beyond returns, SIULS (III) is designed for long-term wealth preservation, providing whole life coverage with customisable premium allocations. Policyholders can freely shift their premiums between Fixed Index Accounts, and within Index sub-accounts between up to 3 indices, both at the start and over time with the Account Reallocation option.6 They can make these adjustments based on their market outlook or evolving needs, ensuring they are well-positioned to enjoy continued growth even in unpredictable financial climates.

Find out more about Manulife Signature Indexed Universal Life Select (III)

– End –

1 Until age 100, provided that the face amount is higher than the policy value as at the interest crediting date.
2 Death coverage is whole of life, while terminal illness coverage is up to age 99.
3 Allowed two years after the policy issue date, subject to insurable interest and any other terms and conditions.
4 You may pay premiums at any time before age 100, subject to the limits we set.
5 Applicable until age 100 and up to the penalty-free withdrawal limit.
6 Allowed one year after the policy issue date and before age 100.

About Manulife Singapore

Serving Singapore since 1899, Manulife Singapore has progressed significantly to become a leading life insurer that provides a broad range of insurance, retirement and wealth management solutions to meet the financial needs of our customers across their various life stages. Manulife Singapore’s insurance, retirement and wealth management solutions are distributed through our own affiliated financial adviser representatives and our specialist partners, including banks and other financial advisory firms. For more information on Manulife Singapore, please visit manulife.com.sg. 

 

Media contact

Belinda Wong 

Belinda_sj_Wong@manulife.com

 

Zaim Zahari / Verona Koh

Manulife@aka-asia.com

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