SavvyEndowment 22 Short Term Endowment Plan

Grow your savings with SavvyEndowment 22! Enjoy guaranteed returns even as interest rates fall. Choose from 3-year or 4-year plans. Start from a low single premium commitment amount of just S$5,000. Limited tranche available.

3-year plan

4-year plan

At policy maturity, receive:

100% of your capital²
Guaranteed returns of 1.52% p.a.¹
Non-guaranteed returns of up to 0.16% p.a.¹
Total potential returns of up to 1.68% p.a.¹

At policy maturity, receive:

100% of your capital²
Guaranteed returns of 1.64% p.a.¹
Non-guaranteed returns of up to 0.16% p.a.¹
Total potential returns of up to 1.80% p.a.¹

Any early termination of the policy before maturity can incur costs and the surrender value payable (if any) may be less than the total premiums paid. Find out more at DBS Insurance Important Notes.

Apply easily online with SRS or cash, no health check-up required

Receive 101% of the single premium that you paid in the event of death during the policy term

Please refer to the 3-year plan and 4-year plan Sample Policy Contracts for their precise terms, conditions and exclusionsGet this plan

PromotionLimited-time deals!

From now till 1 Feb 2026, purchase a new SavvyEndowment 22 policy with single premium amount of at least S$15,000 to receive a free digiPortfolio gift with S$68 credit.

Terms and conditions apply.

Find out more details here.

Get this plan

Footnotes:¹ For 3-year plan:
The illustrated maturity yield of 1.68% p.a. includes a non-guaranteed maturity bonus of 0.16% p.a. based on the higher illustrated investment rate of return (IIRR) of 2.09% p.a.. The non-guaranteed maturity bonus will be 0.48% of the single premium.Based on the lower IIRR of 1.86% p.a., the illustrated maturity yield is 1.52% p.a.. The non-guaranteed maturity bonus will be zero.For 4-year plan:
The illustrated maturity yield of 1.80% p.a. includes a non-guaranteed maturity bonus of 0.16% p.a. based on the higher IIRR of 2.14% p.a.. The non-guaranteed maturity bonus will be 0.64% of the single premium.Based on the lower IIRR of 1.92% p.a., the illustrated maturity yield is 1.64% p.a.. The non-guaranteed maturity bonus will be zero.As the maturity bonus rate and both IIRRs are not guaranteed, the actual benefits payable will vary according to the future performance of the Participating Fund of the policy. Figures are subject to rounding.² Not applicable to policies that have been altered.³ Promotion till 1 Feb 2026. Terms and 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

SavvyEndowment 22 is 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 advertisement has not been reviewed by the Monetary Authority of Singapore.Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable may be less than the total premiums paid.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.DBS Insurance Important NotesImportant InformationTerms and Conditions Governing SRSDeposits Insurance SchemeInformation is correct as at 18 Sep 2025.

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