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Provides you a stream of monthly income up to age 120

Why should you get it?

Manulife IncomeGen is a whole-life insurance savings plan that allows you to enjoy a stream of monthly income1 till age 120, with just 5 years of premium payments.  With the Change of Life Insured2 option, Manulife IncomeGen offers financial stability for your future generations. 

Lifetime Monthly Income

- Enjoy lifetime monthly income1 from end of 61st policy month up to age 120

- When policy matures at age 120, you will also receive a lump sum maturity benefit payout 

Change of Life Insured

Option to change the life insured² to your loved ones


- Be covered for death and terminal illnesses up to age 120

- Receive an additional payout of 50% of total premiums paid to date in the event of accidental death of the life insured before the age of 80

Waiver of Future Premiums

Get your premiums waived³ upon total and permanent disability during your premium payment term, while your coverage continues

Easy Application with No Health Check-ups

Guaranteed acceptance with no health questions asked

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Terms and conditions apply, please refer to Product Summary for specific definitions.

1. Lifetime monthly income consists of guaranteed and non-guaranteed monthly income. Guaranteed monthly income is equal to 0.81% of the sum insured divided by 12. Based on illustrated investment rate of return of 4.25% p.a., non-guaranteed monthly income is equal to 2.43% of the sum insured divided by 12, and based on illustrated investment rate of return of 3.00% p.a., non-guaranteed monthly income is equal  to 1.17% of the sum insured divided by 12.

2. After 2 policy years, the Policyowner may request to change the life insured up to 2 times during the policy term. Subject to insurable interest and any other terms and conditions.

3. Benefit for waiver of premium on total and permanent disability is up to the life insured’s 70th birthday.

4. Transfer of policy ownership via assignment is allowed anytime while the policy is in force.


Important notes:

Manulife IncomeGen is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be zero or less than the total premiums paid. This brochure is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or

We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.

Information is correct as at 18 September 2022.

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