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An abundant legacy that moves with the tides, leveraging on an Index Account

Why should you get it?

Whole life coverage1

Leaving a legacy for your loved ones

Opportunity for higher returns

Earn potentially higher returns2  from the Index Account that is tied  to internationally recognised indices

Protecting your policy

Regardless of market conditions,  Minimum Surrender Value3 will be  payable at the time of full surrender if it is higher than the Policy Value  less Surrender Charge

Further protection from market volatility

Automatic Premium Spread allows  you to earn a more stable return2 by  spreading the net premium allocated into the Index Account, to create  index segments over 12 months

Adapt to life's changes and market fluctuation

- Flexible premium payment4

- Option to change life insured5 in the future

Product Footnotes

The actual benefits payable and coverage are not guaranteed and are dependent on the actual crediting rates (subject to the minimum guaranteed crediting rate) for your Fixed Account and Index Account, actual charges (subject to the maximum charges) as well as the amounts of any additional premiums paid, partial withdrawals made and loans taken.

  1. Death benefit is the face amount of the policy or the policy value at the date of death, whichever is higher, less any outstanding policy debt. Terminal illness coverage is up to age 99.
  2. Crediting rate for Index Account is calculated based on the point-to-point performance of the underlying indices, excluding dividends, subject to the floor and respective cap rate, plus guaranteed loyalty bonus crediting rate (if any).
  3. Minimum Surrender Value is determined using a fixed crediting rate of 2.00% every year, and is calculated after deduction of applicable charges.
  4. 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 premiums entirely. You may need to pay extra premiums if the actual interest we pay you is lower than illustrated, if you take a loan, if you make a withdrawal or the actual charges increase. 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.
  5. Allowed two years after the date we issue the policy to you. We will decide whether to accept the new life insured and it will depend on whether we can insure this new life insured and on other terms and conditions we may decide. The policy charges will be based on the new life insured’s age, gender, country of residence, underwriting class and any other ratings. For more details, please refer to the policy contract.

Important notes

Signature Indexed Universal Life (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 in the policy contract. This brochure is also available in Chinese & Bahasa Indonesia. If there are any differences between the English, Chinese & Bahasa Indonesia 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 25 April 2021.

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