Grow your savings for better returns in 12 years with Manulife Spring (II). Start nurturing from S$3,175/year.
Offset future premiums from end of policy year 3 or 6 with Yearly Guaranteed Cash Benefits
Be covered against Death, Total and Permanent Disability and Terminal Illness
Guaranteed acceptance with no health questions asked
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Footnotes
1 Yearly Guaranteed Cash Benefits are available from the end of policy year 3 or 6, as chosen by the policyowner at the point of purchase. For paid out and offset premiums options, the guaranteed maturity value will be based on the total premiums paid by policyowner less off the total Guaranteed Cash Benefits.
2 Total and Permanent Disability (TPD) benefit covers the life insured until the TPD expiry date. Please refer to product summary for more information on TPD expiry date.
3 Not applicable for policies which have been altered. For paid out and offset premiums options, capital refers to the total premiums paid by policyowner less off the total Guaranteed Cash Benefits.
4 “Terminal Illness” means 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. 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.
Terminal Illness in the presence of HIV infection is excluded.
5 Please refer to the policy contract for more information.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 14 Sep 2025.
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