Regular Endowment Plans

ManuFlexi Growth – Endowment Life Insurance

A 10-year endowment plan that gives you fixed cash payouts with protection benefits.

endowment plan - ManuFlexi Growth

Product Details

Enjoy more ways to use and grow your savings with ManuFlexi Growth. With yearly Fixed Cash Benefits (FCB) that are equal to the annual premium during the last 5 years of the policy term, this plan gives you the flexibility to:

  1. Enjoy extra cash on hand, or
  2. Accumulate1 for more savings, or
  3. Use the FCB to offset2 your premiums, so you only pay for the first 5 years!

Potential goals:

  • endowment insurance for family
    Starting a family
  • endowment fund for personal goals
    Personal goals
BenefitsManuFlexi Growth
Guaranteed Issuance
Policy Term10 years
Insurance Coverage
Terminal Illness
Total and Permanent Disability
Accidental Death

Yearly Fixed Cash Benefits (FCB)

  1. Equal to Annual Premium
  2. Starts last 5 years of policy


Maturity Benefit3

  1. 100% of basic Sum Insured4 + Accumulated Reversionary Bonus (if any)
  2. Maturity Bonus (if any)
  3. 100% of FCB + non-guaranteed interest of 3%1 per annum if FCB is accumulated


Objective: To develop a systematic saving habit

Paul, age 40, decides to start a systematic saving habit. He signs up for ManuFlexi Growth and opted to use his Fixed Cash Benefits (FCB) to offset2 his premiums from the 6th policy year to 10th policy year. After paying an annual premium of S$50,5785 for 5 years, he will receive a total Maturity Benefit3 of S$309,208.

yearly cash payout endowment plan

Sum Insured:


Total premiums paid:


Maturity Benefit3 :


Increase your coverage, enhance your protection.

Payor Premium Waiver Rider

Get your future premiums of basic plan and attached rider(s) premiums waived6 off if the policy owner passes on, suffers from a Total and Permanent Disability (TPD) or is diagnosed with a Terminal Illness (TI).

  • Death
  • Terminal Illness
  • Total and Permanent Disability

Cancer Care Premium Waiver Rider

Get your future premiums of basic plan and applicable attached rider(s) premiums waived6 off if the policy owner is diagnosed with a Major Cancer during the rider's coverage term.

  • Major Cancer

Level Term Rider

Gives an extra lump sum payout of up to 5 times of your basic plan's annual premiums or S$250,000, whichever is lower, if Death, TPD or TI occurs to the policy owner during the rider's coverage term. Only applicable for policies with a minimum Sum Insured of S$10,000.

  • Basic plan's annual premium of S$250,000, whichever is lower.

Terms and conditions apply. Please see the Product Summary of the respective riders for details.

For more information, visit any DBS Treasures centre or

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1 You can accumulate the Fixed Cash Benefits (FCB) with Manulife at a non-guaranteed rate of 3% per annum (at the projected rate of return of 4.75% per annum). The interest rate is subject to change with 30 days’ advance notice to Policy Owner.
2 The default option is set to use the FCB to offset premium for 6th to the 10th policy years. You can write to Manulife to change the option.
3 For this illustration, Maturity Benefit consist of (a) 100% of basic Sum Insured plus Accumulated Reversionary Bonus (if any) and (b) Maturity Bonus (if any), less any amount owed to Manulife (if any). As bonus rates are not guaranteed, the actual payout may vary according to the future performance of the Participating Fund. Past performance is not necessarily indicative of future performance. Please refer to the Product Summary for more information on Maturity Benefit.
4 The Sum Insured is solely used to determine the FCB and Reversionary Bonus only. It does not represent the benefits payable on a claimed event.
5 Illustration is based on male, age 40 last birthday, non-smoker with a Sum Insured of S$200,000, policy term of 10 years and annual premium mode. Premiums illustrated are rounded up to the nearest dollar.
6 Only the future premiums up to 5th policy year are waived. Premiums payment resumes thereafter.

Information is correct as at 11 April 2016.

Important Notes

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