Signature Income Series

At a Glance

One-time premium for a lifetime of monthly income

Guaranteed cash value of at least 80% of the single premium from Day 1

Easy application with no health check-up required

Features & BenefitsSignature Income Series is a single premium whole life insurance plan designed to provide you with a lifetime of monthly income¹ to supplement your lifestyle.Flexible options customised to your needs

Pay your premium in SGD or USD

One-time premium for a lifetime of monthly income¹ from either the 37^th or 49^th policy month onwards

Option to accumulate the income payouts³ for potentially higher returns

Policy can be transferred to your next generation⁴

Peace of mind

Coverage on death⁵ and terminal Illness up to age 120 of the original life insured

Guaranteed surrender value⁶ of at least 80% of the single premium from
day 1

How it works

Footnotes
¹ Monthly income is payable from either the 37th or 49th policy month onwards, and consists of guaranteed and non-guaranteed monthly income. For Signature Income (III) SGD, the non-guaranteed monthly income is based on an illustrated investment rate of return of 4.25% or 3.00% p.a. for the participating fund. For Signature Income (III) USD, the non-guaranteed monthly income is based on an illustrated investment rate of return of 5.20% or 3.70% p.a. for the participating fund. The actual benefits payable may vary according to the future performance of Manulife’s Participating Fund.
² The total death benefit of S$1,057,537 consists of the guaranteed death benefit of S$1,050,000 and a non-guaranteed claim bonus of S$7,537 calculated based on an illustrated investment rate of return of 4.25% p.a.. Based on an illustrated investment rate of return of 3.00% p.a., the total death benefit of S$1,053,467 consists of the guaranteed death benefit of S$1,050,000 and a non-guaranteed claim bonus of S$3,467.
³ The monthly income can be accumulated with Manulife at the prevailing interest rate. The interest rate is subject to change by Manulife with 30 days’ advance notice to the policy owner.
⁴ Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The assignee must be at least 18 years old.
⁵ If the life insured dies before age 120, the sum of the following will be paid in one lump sum:
(a) 105% of the single premium; and
(b) the non-guaranteed claim bonus (if any),
less any amount owing to us.
Any monthly income left to accumulate with Manulife will also be paid out with interest (if any).

For Signature Income Series, Manulife will not pay the death benefit if:
(a) the life insured dies due to a pre-existing condition within one year from the policy issue date; or
(b) the new life insured dies due to a pre-existing condition within one year from the date when Manulife accepts and approves the new life insured.
⁶ If the policy owner surrenders the policy before age 120, the sum of the following will be paid in one lump sum:
(a) the guaranteed surrender value;
(b) the non-guaranteed surrender bonus (if any); and
(c) the surrender value booster benefit (if any),
less any amount owing to us.
Any monthly income left to accumulate with Manulife will also be paid out with interest (if any). Surrender value booster benefit is a non-participating embedded benefit to Signature Income Series. It ensures that the total surrender value is at least 80% of the single premium.Signature Income Series includes Signature Income (III) - USD and Signature Income (III) SGD. It is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D).This advertisement has not been reviewed by the Monetary Authority of Singapore.Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy’s surrender value (if any) may be zero or less than the total premiums paid.This material is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product in the policy contract.This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your 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 us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).Information is correct as at 07 July 2024DBS Treasures Private Client Insurance Important Notes