Total potential return of 7.36%1 over 4 years. Based on an illustrated investment rate of return of 1.66% p.a., the total potential return will be 5.48%.
1. Based on the higher illustrated investment rate of return of 2.21% p.a., this figure consists of guaranteed yearly income of 1.80% of the single premium at end of policy years 1 to 3 accumulated with Manulife (Singapore) Pte. Ltd. ("Manulife") at a non-guaranteed interest rate of 1.50% and potential maturity bonus of 1.80% of the single premium.
2. For both Cash and Supplementary Retirement Scheme (SRS), the policy owner can choose to either (1) fully or (2) partially withdraw the accumulated guaranteed yearly income plus interest (if any) by submitting a withdrawal form to Manulife. The minimum withdrawal amount is S$500 or the balance available. For policies purchased using SRS, full or partial withdrawal of the accumulated guaranteed yearly income plus interest (if any) will be paid directly to the SRS account as per prevailing SRS guidelines.
3. The potential maturity bonus of 1.80% of the single premium is based on the higher illustrated investment rate of return of 2.21% p.a.. Based on the lower illustrated investment rate of return of 1.66% p.a., the potential maturity bonus will be 0%. The bonus rate and the illustrated investment rate of return are not guaranteed and will depend on the future performance of the Participating Fund of the policy.
Manulife Goal 4 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. 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 web-sites ( or ).
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors or visit any DBS/POSB Branch before making a commitment to purchase a policy.
All information is correct as of 16 December 2019.