What is Manulife Indexed Wealth?
Manulife Indexed Wealth is a wealth accumulation plan that helps you build wealth through global market opportunities with built-in risk management.
It combines:
- Index-linked growth potential through the S&P PRISM Index or S&P 500 Index
- Built-in downside risk management features (0% floor rate or 10% downside absorption) to help manage market volatility
- Potential growth of your savings
- Protection and legacy planning benefits for your loved ones
How does it work?
Choose between a single or regular premium payment term. For a regular premium term of 10 years, decide on your Minimum Commitment Period (MCP) of:
- 3 years
- 5 years
- 10 years
2. Access global market opportunities in SGD
Grow your wealth through the Index Account by selecting your preferred strategy (e.g. S&P 500 or S&P PRISM) based on your risk appetite.
3. Smooth your investment (optional)
Use the Automatic Premium Spread (APS) option to gradually invest your premiums into the Index Account over 12 months, helping to smooth out the effects of short-term market fluctuations.
Who is it for?
Manulife Indexed Wealth may be suitable if you:
- Want to grow your savings over the long term with some protection against market downturns
- Would like to seek exposure to market performance (e.g. S&P 500 or S&P PRISM) without currency risk
- Value flexibility and want access to your funds through withdrawals
Want to find out more about Manulife Indexed Wealth?
Thank you for contacting Manulife Singapore!
Our Financial Consultant will be in touch with you soon.
Here are some links you might find useful.
Consent
By submitting your personal details,
- You acknowledge that you authorise and consent to Manulife (Singapore) Pte Ltd ("Manulife) (including employees and Representatives of Manulife) to collect, use, disclose and retain your personal data for the purpose of receiving notifications via SMS(es) and email(s) to service your request; and
- You consent to Manulife to contact you (even though your telephone number may be already registered on the National Do Not Call Registry) for marketing purposes, and to provide you with marketing, advertising and promotional information, materials and/or documents relating to financial advisory services and products distributed by Manulife, if applicable.
The consent you provide is in addition to and does not supersede, vary or nullify any consent which you may have provided previously in respect of the above purposes, unless your previous consent has been withdrawn.
You also confirm that you are the user and/or subscriber of the telephone number and email address provided by you.
Optional Cover
Recommended products
Important Information
Terms and conditions apply, please refer to the Manulife Indexed Wealth product summary and policy contract for specific definitions.
Footnotes:
1.) You can choose between two premium payment terms:
a) Single Premium – one-time lump-sum payment; or
b) Regular Premium – regular payments over 10 years, with a choice of minimum commitment period of 3, 5, or 10 years. Premiums must be paid throughout your selected minimum commitment period to keep your policy active.
2.) After 2 years from the policy issue date, you may submit a written request to withdraw part of the Net Surrender Value, subject to our approval and the applicable terms and conditions. A pro-rata surrender charge applies if any withdrawal exceeds the penalty-free withdrawal limit during the Surrender Charge Period (the first 14 policy years).
Penalty-free withdrawals are available from Policy Year 5 onwards. The penalty-free withdrawal limit is the lower of:
a) the applicable percentage of your policy value (after deducting any penalty-free withdrawals made in the same policy year); or
b) your policy value less the total premiums paid.
The percentage starts at 5% in Policy Year 5 and increases by 1% each policy year thereafter. Once you make your first withdrawal, the applicable percentage is locked in and will not increase in future years (it will be fixed at 5% if your first withdrawal is made before Policy Year 5).
3.) Upon full surrender, the surrender value will be paid as a lump sum, regardless of whether the Automatic Premium Spread (APS) option is selected. Adjustment for negative index performance is applicable to S&P 500 10% Buffer Index Sub-account and will be applied on open segments at point of withdrawal/surrender.
4.) If the life insured dies during the policy term, we will pay the death benefit (as determined at the date of death) being the higher of:
a) Death Benefit Multiplier multiply Adjusted Total Premiums Paid [KP1] [KL2] [KL3] [KP4] (Adjusted TPP), where Adjusted TPP is calculated as follows:
i) At inception, Adjusted TPP equal to first premium paid;
ii) For each subsequent premium paid, Adjusted TPP will be increased by that premium amount;
iii) For each withdrawal[BG5] [KL6] , Adjusted TPP will be reduced proportionately with the reduction factor as follows: (Policy Value after withdrawal divided by Policy Value before withdrawal); or
b) the policy value.
We will deduct all policy debt and any amounts owing to us under this policy before we pay you the death benefit. Upon payment of the death benefit, this policy will end. If a secondary life insured has been nominated before the death of the life insured, and we accept the secondary life insured as the life insured, we will not pay the death benefit, and the policy will not end. However, if you file a death claim upon the death of life insured or if we cannot accept the secondary life insured as the new life insured, the death benefit will be paid accordingly.
5.)To nominate a Secondary Life Insured, the Secondary Life Insured must have insurable interest with both policy owner and Contingent Policy Owner (if any). Other terms and conditions apply.
6.) Change of life insured option is available only after 2 years from the policy issue date. The new life insured must have insurable interest with policy owner and Contingent Policy Owner. Other terms and conditions apply
7.) To nominate a Contingent Policy Owner, the Contingent Policy Owner must be at least age 18 and have insurable interest with current life insured and Secondary Life Insured. Other terms and conditions apply.
8.) Allowed one year after the policy issue date. You may also change the Premium Allocation, subject to our approval. Only 1 index sub-account is allowed at any time. Each index sub-account has its own risk rating. We may decline your allocation or future reallocation request into any index sub-account if your latest risk profile is lower than the risk rating we assigned to the Index Sub-account.
9.) Not applicable where the customer's domicile currency is not SGD.
S&P PRISM and S&P 500 Index
The S&P 500 Index and S&P PRISM Index are products of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and have 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 Wealth 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 500 Index and S&P PRISM Index.
Important Notes
Manulife Indexed Wealth and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 19802116D). 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 website 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 (www.lia.org.sg or www.sdic.org.sg).
We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors, or visit any DBS/POSB Branch, before making commitment to purchase a policy.
Information is correct as at 16 August 2026.
