Signature Legacy Harvest

At a Glance

Grow your wealth without time limits.

Adapt seamlessly as your family’s needs evolve.

Flexible access to policy values to meet liquidity needs.

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Features & BenefitsWealth Accumulation

Whole life plan with no maturity date, designed for multi-generational growth.

Flexible premium options: Contribute once or go for annual payments over 3 or 5 years.

Safeguard Your family

Unlimited change of life insured⁴ for continuity.

Nominate a secondary insured⁷ to continue your legacy.

Split your policy³ into separate plans and pass each potion to your loved ones as legacies.

Choose how death benefits are paid: Lum sum or yearly instalments over 2 to 10 years⁸.

Appoint a Contingent Policy Owner⁵ to take over the policy if you pass away or become incapacitated.

Peace of mind

Access cash value when needed through the Bonus Realisation Option² and Resilience Care Benefit⁹.

Stay protected with death⁶ and terminal illness coverage of the life insured.

Hassle-free application with no medical examination required.

How it Works

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Get more Benefits

Earn bonus interest on your DBS Multiplier Account with any protection or endowment plan. Find out more.

No minimum regular or single premium amount

Pay with cash or SRS¹⁰

Earn bonus interest for 12 months consecutively (Terms and Conditions apply)

¹⁰Selected policies only

Footnotes

Terms and conditions apply, please refer to the Product Summary for specific definitions.

At our sole discretion, we will review and may adjust terminal bonus regularly (more than once a year). Any adjustments to terminal bonus may significantly impact the death benefit, terminal illness benefit, and surrender value of the policy. In extreme circumstances, terminal bonus may even be zero.
Bonus Realisation Option is available starting from the 5th policy anniversary. It can only be exercised once per policy year, and the request must be submitted to Manulife within 31 days after policy anniversary. Other terms and conditions apply.
Policy owner may choose to receive the realised terminal bonus or accumulate it with Manulife to earn any interest based on the interest rate as determined by Manulife from time to time.
Policy owner may request to split the policy into separate policies, after 3 years (applicable for single premium) or 5 years (applicable for 3 and 5 years premium term). Other terms and conditions apply.
Change of life insured option is available only after 2 years from the policy issue date. The new life insured must have insurable interest with the policy owner and Contingent Policy Owner. Other terms and conditions apply.
To nominate a Contingent Policy Owner, the Contingent Policy Owner must be at least age 18 and have insurable interest with the current life insured and Secondary Life Insured. Other terms and conditions apply.
If the life insured passes on, the following will be paid in one lump sum (unless Death Benefit Inheritance Option applies):
The higher of:
1. (a) 101% of total premiums paid; or
2. (b) sum of guaranteed surrender value of basic plan, surrender value booster benefit (if any) and non-guaranteed terminal bonus (if any), plus any accumulated realised terminal bonus, less any amounts owing to Manulife.
  If a Secondary Life Insured is nominated before the death of the life insured, no death benefit will be payable as the Secondary Life Insured will take over as the life insured (subject to Manulife's approval).
To nominate a Secondary Life Insured, the Secondary Life Insured must have insurable interest with both the policy owner and Contingent Policy Owner (if any). Other terms and conditions apply.
The Death Benefit Inheritance Option must be elected at policy application. Policy owner will not be allowed to change the inheritance period or opt for this option after the policy has been issued. Please refer to the product summary for more details.
In the event the life insured is diagnosed with a designated condition after the 2nd policy anniversary, the policy owner may apply to realise up to 100% of the terminal bonus. Exercisable once only.

Important Notes

Signature Legacy Harvest 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 brochure 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 brochure is also available in Chinese & Bahasa Indonesia. If there is any difference between the English, Chinese & Bahasa Indonesia versions,
the English version will apply.

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 of 18 Jan 2026.

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