Manulife IncomeSecure

At a Glance

Enjoy lifetime yearly income from end of Policy Year 3, Year 5, or Year 10, up to age 120

Be covered against death and terminal illness till age 120

Get peace of mind as future premiums are waived & coverage will continue if the unfortunate happens

Manulife IncomeSecure, a whole life insurance income plan that provides yearly income that last for generations, starting from as early as end of policy year 3.

Features & Benefits


Regular Stream of Income	Enjoy lifetime yearly income¹ up to age 120, from end of Policy Year 3 (for premium payment term of 5 years) or from end of Policy Year 5 or 10 (for premium payment term of 10 years). Watch your yearly income¹ step-up over time, based on premium payment term and income payout year selected.
Flexibility	Choose between premium payment term of 5 or 10 years. Change of Life Insured (COL)⁶ option allows you to change the life insured to your loved ones.
Peace of Mind	Be covered against death and terminal illness to age 120 Get a premium waiver upon total and permanent disability during your premium payment term, while your coverage continues Get an extra lump sum payout⁵ when faced with a terminal cancer diagnosis, providing support to you during this difficult time
Easy Application with No Health Check-up	Guaranteed acceptance with no health questions asked

How it Works

Footnotes
Terms and conditions apply, please refer to the Product Summary for specific definitions.¹ Yearly income consists of guaranteed and non-guaranteed yearly income.² The guaranteed surrender value and guaranteed yearly income paid is at least equivalent to total premiums paid for the basic plan on annual premium mode at the:

end of the 6th Policy Year for policies with 5 years premium payment term and sum insured of $50,000 and above;

end of the 8th Policy Year for policies with 5 years premium payment term and sum insured of less than $50,000;

end of the 12th Policy Year for policies with 10 years premium payment term and income payout from end of year 5;

end of the 10th Policy Year for policies with 10 years premium payment term and income payout from end of year 10.

Not applicable for policies which have been revised.³ Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The assignee must be at least 18 years old.⁴ The total potential benefits consist of the cumulative total yearly income received and the maturity benefits.⁵ In the event the life insured is diagnosed with terminal cancer before the policy anniversary immediately aﬅer his or her 75th birthday during policy term and survived for at least 7 days from the date of diagnosis, subject to 1-year waiting period commencing from the policy issue date, the most recent date Manulife approved the change of life insured or date of the most recent policy reinstatement (whichever is the later), Manulife will pay an additional lump sum amount depending on the chosen premium payment term, which is equivalent to:

50% of annual mode premium for 5-year premium payment term.

100% of annual mode premium for 10-year premium payment term.

⁶ After 2 policy years, the policy owner may request to change the life insured up to 2 times during the policy term. Subject to insurable interest and any other terms and conditions as set out in the policy contract.This advertisement has not been reviewed by the Monetary Authority of Singapore.Information is correct as at 2 Jan 2024.DBS Treasures Insurance Important Notes