Manulife Indexed Income

Terms and conditions apply, please refer to the product summary and policy contract for specifi­c de­finitions.

Footnotes:

1. The crediting rate for the Index Sub-account is calculated based on the annual point-to-point performance of the underlying index, multiplied with the segment participation rate and subject to segment floor rate.
2. Monthly income is not guaranteed and depends on depends on actual crediting rate and policy charges. Other terms and conditions apply.
3. From Policy Year 15 onwards, the policy is designed such that the combined value of surrender benefits and total Monthly Income paid may be at least equal to total premiums paid, subject to policy terms and conditions.
4. Account Reallocation is subject to all of the following conditions and our approval:
   (i) Account Reallocation is available after 1 year from the policy issue date and only when the policy is not in the grace period (for regular premium policies where a grace period applies); and
   (ii) If you submit a new request while a previously approved Account Reallocation is still ongoing, we will only accept and process the new request after the previously approved Account Reallocation has been fully completed.
5. The Fixed Account earns a non-guaranteed crediting rate declared by Manulife and comes with a minimum guaranteed rate of 0.50% p.a..
6. If the life insured dies during the policy term, we will pay the death benefit as determined at the date of death. The death benefit payable is the highest of:
   (i) the policy value;
   (ii) the minimum surrender value; or
   (iii) the applicable Death Benefit Multiplier multiplied by Adjusted total premiums paid (Adjusted TPP), less the total monthly income paid out (if any).
   We will deduct all policy debt and any amounts owing to us before we pay you the death benefit. Upon payment of the death benefit, this policy will end.
7. You may request to change the life insured after 2 years from the policy issue date, subject to our approval and prevailing administrative and underwriting requirements. You and the nominated contingent policy owner (if any) must have an insurable interest on the new life insured at the time of change. We reserve the right to levy an administration fee if we accept your request. Other terms and conditions apply.
8. While this policy is in force and during the lifetime of the life insured, you may apply in writing to nominate, change, or revoke the nomination of an individual as the secondary life insured, who will replace the life insured upon their death. Such requests are subject to our approval and prevailing administrative and underwriting requirements. You and the nominated contingent policy owner (if any) must have an insurable interest in the secondary life insured at the time you apply to nominate or change the secondary life insured. Other terms and conditions apply.
9. While this policy is in force and during your lifetime, you may apply in writing to nominate, change, or revoke the nomination of an individual as a contingent policy owner, who will fully take over the ownership of this policy following your death or if you are diagnosed with mental incapacity, subject to our approval and prevailing administrative and underwriting requirements. You and the nominated secondary life insured (if any) must have an insurable interest in the contingent policy owner at the time you apply to nominate or change the contingent policy owner. Other terms and conditions apply.

S&P PRISM Index

The S&P PRISM Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Manulife (Singapore) Pte. Ltd. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC(“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Manulife (Singapore) Pte. Ltd. Manulife Indexed Income is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P PRISM Index.

Important Notes

Manulife Indexed Income and its supplementary benefi­ts are 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 (www.lia.org.sg or www.sdic.org.sg).

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 2 August 2026.