| Be covered against death and terminal illness3 |
| Choose a coverage amount to ensure your home loan is adequately covered. |
| Choose a decreasing rate to match your mortgage loan interest rate. |
| Premiums will remain level throughout the policy term. |
| Between 10 and 35 years inclusive. |
| In addition to protecting your mortgage, here’s a checklist to ensure your home has complete coverage against the unexpected:
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What is eDecreasing Term?
eDecreasingTerm is an affordable home loan coverage to safeguard your home if the unexpected happens. Available online via digiBank.
What Is ManuProtect Decreasing (II)
ManuProtect Decreasing (II), available via our Wealth Planning Managers, reduces your insurance coverage as you pay off your mortgage. This ensures you are only insured for what you really need at affordable premiums.
How To Apply
Use our live chat service, contact our Wealth Planning Managers or visit us at our centres.
How It Works
Please refer to the product brochure for detailed guide on how ManuProtect Decreasing (II)/ ManuProtect Decreasing (II) Lite works
Footnotes
1 Please refer to product summary of the respective riders for details of coverage.
2 Premium rates illustrated are based on non-smoking status and aſter applying joint lives premium discount.
3 Terminal Illness (TI) is any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the life insured is expected to live for no more than 12 months. In the event of TI during the policy term, the Death Benefit will be advanced in a lump sum.
The medical examiner treating the condition must provide supporting evidence of the condition, possible medical treatment, the prognosis after undergoing the possible medical treatment, and certify that the life insured is expected to live for no more than 12 months despite all possible medical intervention. We reserve the right to appoint an independent medical examiner who is an expert in the condition to confirm the diagnosis and prognosis.
TI in the presence of human immunodeficiency virus (HIV) infection is excluded.
4 eDecreasing Term: This premium amount is calculated based on a male non-smoker aged 18 with coverage amount of S$150,000 and decreasing rate of 1% for a policy term of 10 years
5 Promotion till 31 Oct 2026. Terms & conditions apply.
Disclaimers
The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.
In Collaboration with Manulife
eDecreasingTerm and ManuProtect Decreasing (II) are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the 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 Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Information is correct as at 14 Sep 2025.
DBS Insurance Important Notes