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Provides you a stream of monthly income up to age 120

Why should you get it?

Limited time offer.

Start saving today and enjoy up to 8% first year premium discount. T&Cs apply.

Enjoy peace of mind with Manulife IncomeGen (II) — a whole-life insurance savings plan that provides lifetime monthly income1 up to age 120, while keeping you protected. The future generation can enjoy financial security in the years to come with the option to change the life insured3.

Receive monthly income1 from end of 49th or 61st policy month up to age 120, depending on selected premium payment term

- Be covered for death and terminal illness till age 120

- Get premium waiver upon total and permanent disability during your premium payment term, while coverage continues

Get an additional lump sum payout2 upon receiving a terminal cancer diagnosis

Option to change the life insured3 to your loved ones

Choice between two premium payment terms:

3 or 5 years

Guaranteed acceptance with no health questions asked

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Terms and conditions apply. Please refer to Product Summary for more information about this insurance plan.


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 In the event the life insured is diagnosed with terminal cancer before the policy anniversary immediately after his or her 75th birthday during policy term and survived for at least 7 days from the date of diagnosis, subject to 1-year waiting period commencing from the policy issue date, the most recent date Manulife approved the change of life insured or date of the most recent policy reinstatement (whichever is later), Manulife will pay an additional lump sum amount depending on the chosen premium payment term as follows, after taking off any policy debt:

(a) 30% of annual mode premium for 3-year premium payment term;

(b) 50% of annual mode premium for 5-year premium payment term.

³ After 2 policy years, the policy owner 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 as set out in the policy contract.

Important notes:

Manulife IncomeGen (II) 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 brochure is also available in Chinese. If there are any differences between the English and Chinese versions of this brochure, the English version will apply.

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, or visit any DBS/POSB Branch before making a commitment to purchase a policy.

Information is correct as at 14 April 2024.

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