Signature Legacy Harvest

Footnotes:

Terms and conditions apply. Please refer to the Product Summary for specific definitions.

1. 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.

2. 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.

3. 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.

4. Policy owner may request to split the policy into separate policies, after 3 years (applicable for single premium) or 5 years (applicable for 3- and 5-years premium term). Other terms and conditions apply.

5. The Death Benefit Inheritance Option must be elected at policy application. Policy owner will not be allowed to change the inheritance period or opt for this option after the policy has been issued. Please refer to the product summary for more details.

6. Bonus Realisation Option is available starting from 5th policy anniversary. It can only be exercised once per policy year, and the request must be submitted to Manulife within 31 days after policy anniversary. Other terms and conditions apply.

7. In the event the life insured is diagnosed with a designated condition after the 2nd policy anniversary, the policy owner may apply to realise up to 100% of the terminal bonus. Exercisable once only.

8. At our sole discretion, we will review and may adjust terminal bonus regularly (more than once a year). Any adjustments to terminal bonus may significantly impact the death benefit, terminal illness benefit, and surrender value of the policy. In extreme circumstances, terminal bonus may even be zero.

9. If the life insured passes on, the following will be paid in one lump sum (unless Death Benefit Inheritance Option applies):

The higher of:

(a) 101% of total premiums paid; or

(b) sum of guaranteed surrender value of basic plan, surrender value booster benefit (if any) and non-guaranteed terminal bonus (if any), plus any accumulated realized terminal bonus, less any amounts owing to Manulife.

If a Secondary Life Insured is nominated before the death of the life insured, no death benefit will be payable as the Secondary Life Insured will take over as the life insured (subject to Manulife's approval).

Important Notes

Signature Legacy Harvest 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 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 a commitment to purchase a policy.

Information is correct as at 18 January 2026.