1. Not applicable for policies which have been altered. For paid out and off-set premiums options, capital refers to the total premiums paid by policyowner less off the total Guaranteed Cash Benefits.
2. Yearly Guaranteed Cash Benefits are available from the end of the 3rd policy year or 6th policy year, as chosen by the policyowner at the point of purchase. For paid out and off-set premiums options, the guaranteed maturity value will be based on the total premiums paid by policyowner less off the total Guaranteed Cash Benefits.
3. Projection is based on illustrated investment rate of return of 4.25% p.a.. Based on illustrated investment rate of return of 3.00% p.a., the total potential return is up to 1.74% p.a. over 12 years. The above illustration is based on a Sum Insured of S$75,600.
4. Total and Permanent Disability benefits covers the life insured until the TPD expiry date. Please refer to the product summary for more information on TPD expiry date.
Manulife Spring (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. 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 its Appointed Distributors, or visit any DBS/POSB Branch before making a commitment to purchase a policy.
Information is correct as of 1 July 2021.