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Your legacy deserves preparation. Not prediction.


Why should you get it?

Estate Liquidity

Helps you to divide your estate equally


Legacy Planning

Distribute your wealth according to your wishes

Loyalty Bonus

Loyalty bonus1 of up to 0.25% per annum

Business Continuity

Protect your most valuable employees


Flexible premium payments2 and partial withdrawals3

Quit Smoking Incentive4

Benefit from standard non-smoker policy charges if you are a smoker

Portfolio Diversification

Spread out your investment


Capped Premium Rates

Cost of insurance charges capped at 110% of current rates

Product Family

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Product Family

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1. Enjoy an additional guaranteed loyalty bonus of 0.20% p.a. from policy year 11 to 20, and 0.25% p.a. from policy year 21 until immediately before the policy anniversary after the Life Insured's 100th birthday.

2. You may pay premiums of any amount at any time before age 100, within the maximum limits we set. If you have enough cash value in the policy, you may skip a premium payment or stop paying entirely. You may need to pay extra premiums if the actual interest we pay you is lower than shown, if you take a loan, if you make a withdrawal or the actual charges are higher. The actual amount and frequency of premium payments will affect the policy value and potentially the death benefit as well as how long the policy is kept in force.

3. Without incurring surrender charges or reducing the face amount on the condition that the withdrawals made from 11th policy anniversary onwards and the total withdrawal amount in a particular policy year does not exceed 5% of the policy value at the previous anniversary after monthly deductions.

4. Applicable to standard or preferred smoker, without any additional ratings. This quit-smoking incentive allows you to benefit from standard non-smoker policy charges for the first three policy years. If, by the end of policy year 3, you give satisfactory medical evidence that you have quit smoking for at least 12 months in a row, we will reclassify your policy and use the standard non-smoker rates from then on.

Important notes

Heirloom (VI) 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. We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy. This brochure is also available in Chinese & Bahasa Indonesia. If there is any difference between the English, Chinese & Bahasa Indonesia versions, 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. 

Information is correct as of 1 September 2019. 

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