At a Glance

Flexibility to shorten premium commitment period to 3 or 6 years by using Guaranteed Cash Benefits1 to offset future premiums


Easy application with no health check-ups required


Capital guaranteed2 upon policy maturity


Manulife Spring is a 12-year endowment plan that offers financial liquidity with yearly guaranteed cash benefits1 and protection coverage. One of the flexible options for yearly guaranteed cash benefits1 include using yearly guaranteed cash benefits1 to offset future premiums.

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Features & Benefits

Flexible Options for Yearly Guaranteed Cash Benefits1

  • Can be used to offset future premiums; or
  • Receive yearly payouts for liquidity; or
  • Accumulate them with Manulife at a non-guaranteed interest rate

Capital Guaranteed2 upon Maturity

  • Receive 100% of your capital back2 upon policy maturity


  • Be covered against Death, Total and Permanent Disability3 and Terminal Illness

Easy Application with No Health Check-Ups

  • Guaranteed acceptance with no health questions asked

How it works

How Manulife Spring works

1Yearly Guaranteed Cash Benefits are available from the end of the 3rd policy year or 6th policy year, as chosen by the Policy Owner at the point of purchase. For paid out and off-set premiums options, the guaranteed maturity value will be based on the total premiums paid by policyholder less off the total Guaranteed Cash Benefits.
2Not applicable for policies which have been altered. For paid out and off-set premiums options, capital refers to the total premiums paid by policyholder less off the total Guaranteed Cash Benefits.
3Total 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.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 21 January 2020.

DBS Insurance Important Notes


How to Apply

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