At a Glance

Returns of up to 3.71% per annum1

  • 100% Capital Guaranteed2 after 2 years
  • Lock in guaranteed maturity yield of 3.40% per annum1 for 2 years amidst market volatility
  • Non-guaranteed maturity yield of up to 0.31% per annum1

Hassle-free online application with your Supplementary Retirement Scheme (SRS) account or cash

  • Start from a low single premium commitment amount of just S$5,000
  • No health check-up required
  • Enjoy up to 4.1% p.a. on your DBS Multiplier Account with SavvyEndowment 13 to guard against inflation

Receive coverage in the event of death during the 2-year policy term

Receive 101% of the single premium that you paid

Find out more about the features and exclusions of this policy.

Apply now


How it Works

Any early termination of the policy before 2 years can incur costs and the surrender values payable (if any) may be less than the total premiums paid. Find out more at DBS Treasures Insurance Important Notes.

1 November 2023

Sarah signs up for SavvyEndowment 13 and paid a single premium of S$10,000.
Sarah’s policy term is from 1 November 2023 to 31 October 2025. During this period, Sarah also receives coverage for death.

Scenario 1: Receive potential total returns of 3.71% p.a.1, based on the higher illustrated investment rate of return of 4.17% p.a.1

Take advantage of compounding interest! Sarah can gain up to S$756 at the end of 2 years.


Potential total yield

End of Year 2

S$10,000 x 103.71% p.a.1 x 103.71% p.a.1 =

(comprises S$10,692 guaranteed returns and S$641 non-guaranteed returns)

Scenario 2: Based on the lower illustrated investment rate of return of 3.00% p.a.1

With guaranteed returns of 3.40% p.a.1, Sarah can still gain S$692 at the end of 2 years.


Guaranteed yield

End of Year 2

S$10,000 x 103.40% p.a.1 x 103.40% p.a.1 =


Eligibility Criteria

To apply for SavvyEndowment 13, you must be:

  • A Singapore Citizen or Singapore Permanent Resident (PR) who is currently residing and paying tax in Singapore only,
  • Aged between 18 to 60 years old (age as of last birthday),
  • A digibank user, and
  • You are applying for this policy for yourself.

How to Apply

No wait, no hassle. Your details are pre-filled when you apply on digibank

Alternatively, you may also leave your contact details here and we will get in touch soon.


Frequently Asked Questions

Refer to the Frequently Asked Questions for more details.

No, the life insured covered must also be the policy owner.

Foreigners who are Singapore Permanent Residents (PR) currently residing and paying tax in Singapore only may apply.

Yes. You can purchase more than one policy. You should consider your financial commitments when deciding on the amount of premium for this plan.

No, SavvyEndowment is available via direct debit from your DBS/POSB bank account or from your DBS Supplementary Retirement Scheme (SRS) account.  However, you can purchase more than 1 SavvyEndowment policy.


1 The illustrated maturity yield of 3.71% p.a. includes a non-guaranteed maturity bonus of 0.31% p.a. based on the higher illustrated investment rate of return (IIRR) of 4.17% p.a..

Based on the lower IIRR of 3.00% p.a., the illustrated maturity yield is 3.40% p.a.. The non-guaranteed maturity bonus will be zero.

As the maturity bonus rate and both IIRR 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.


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 13 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.

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 ( or

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$75,000 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$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

DBS Treasures Insurance Important Notes

Important Information

Terms and Conditions Governing SRS

Deposits Insurance Scheme

Information is correct as at 26 October 2023.

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