Terms and conditions apply, please refer to the product summary and policy contract for specifi­c de­finitions.

Footnotes

1. If the death of the life insured occurs while this policy is in force and before the Golden Anniversary, the following Death Benefit is payable:

(a) 100% of Face Amount; and

(b) Terminal Bonus (if any),

less any amount owing to Manulife.

We will pay the Death Benefit together with any prevailing Accumulated Realised Surrender Bonus.

For Signature Life Elite (USD), Golden Anniversary refers to the 10th Policy Anniversary of the policy.

For Signature Life Prestige (USD), Golden Anniversary refers to the 15th Policy Anniversary of the policy or the Policy Anniversary immediately after the life insured’s 65th birthday, whichever is later.

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

3. Bonus Realisation Option is available starting from the 15th 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.

Policy owner may choose to receive the realised Surrender Bonus or accumulate it with Manulife to earn any interest based on the interest rate as determined by Manulife from time to time.

4. In the event the life insured is diagnosed with a designated condition starting from the 2nd Policy Anniversary, the policy owner may apply to realise up to 100% of the Surrender Bonus. Exercisable once only.

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. To nominate a Contingent Policy Owner, the Contingent Policy Owner must be at least age 18 and have an insurable interest in the current Life Insured. A Contingent Policy Owner cannot be nominated if the Policy Owner and Life Insured are the same individual. Other terms and conditions apply.

7. 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 the policy owner. The new Life Insured will be subject to underwriting. Acceptance of the application will depend on the underwriting outcome, and if accepted, the rating (if any) will be in line with that of the preceding Life Insured, where applicable. Other terms and conditions apply.

Important Notes

Signature Life Elite (USD)/ Signature Life Prestige (USD) 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. This brochure is also available in Chinese. 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 (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 16 August 2026.