At a Glance

Grow your wealth with ReadyBuillder (II) and enjoy the flexibility to plan ahead for your loved ones.

Get covered for death, terminal illness and premium waiver on total & permanent disability


Available in single premium, or in premium paying periods of 5, 10, 15, or 20 years


Guaranteed acceptance with no health questions asked


Find out more from our Wealth Planning Managers


Features & Benefits


  • Choose to pay your premiums over 5, 10, 15, 20 years, or all at once with a single sum
  • Choice to use cash or your Supplementary Retirement Scheme (SRS) funds for single premium policies
  • Premium Freeze2 option allows you to put your premium payment on hold in times of need while your policy stays in force
  • Retrenchment Benefit3 provides a lump sum payout in the event of your retrenchment
  • Access to the policy cash value1 by withdrawing your money whenever you need it to fund key milestones in your life

Wealth Accumulation

  • Capitalise on the long term savings horizon to grow your wealth
  • Change of Life Insured (COL)4 option allows you to appoint your loved one as the policy’s new life insured to continue wealth accumulation

Peace of Mind

  • Be covered against death and terminal illness to age 120
  • Get your premiums waived5 in the event of total and permanent disability (TPD) while your coverage continues (for regular premium plan only)

Easy Application with No Health Check-ups

  • Guaranteed acceptance with no health questions asked

How it works

1 Any withdrawal of bonus will reduce the total death benefit and the future cash value of the policy. Partial surrender will reduce the sum insured, total surrender value (consisting of guaranteed surrender value, surrender value of any accumulated reversionary bonus, and the surrender bonus), and total death benefit. For regular premium policies, surrender value will be available if the policy is in force and you have paid full premiums for 3 years; while for single premium policies, surrender value will be available once the policy is in force.
2 Provided the policy has been in force for 2 policy years with 2 full annual premium payments and subject to approval by Manulife. Not applicable to single premium policies.
3 Applicable to individual owned policies and policies where policy owner is aged 64 and below, during the first 5 policy years (for SP policies); during your premium payment term (for RP policies); or before the policy anniversary immediately after his or her 65th birthday, whichever is earlier.
4 You may request to change the current life insured after 2 years from the policy issue date. Manulife will require evidence of eligibility on the new insured. Please refer to Policy Contract for more details.
5 Applicable to regular premium plans only; during premium payment term, or before the policy anniversary immediately after the life insured’s 70th birthday, whichever is earlier.

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

Information is correct as at 13 October 2021.

DBS Insurance Important Notes


How to Apply

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Get more Benefits

Earn bonus interest on your DBS Multiplier Account with all Manulife protection or endowment plans distributed by DBS. Find out more.

  • No minimum regular or single premium amount
  • Pay with cash or SRS^
  • Earn bonus interest for 12 months consecutively

^Selected policies only

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