At a Glance

Enjoy extra cash on hand, or

Accumulate for more savings, or

Use the FCB to offset your premiums, so you only pay for the first 5 years

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Features & Benefits

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:

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

Benefits ManuFlexi Growth
Guaranteed Issuance
Policy Term 10 years
Insurance Coverage
Total and Permanent Disability
Accidental Death
Terminal Illness

Yearly Fixed Cash Benefits (FCB)

  1. Equal to Annual Premium
  2. In effect for 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



How to apply

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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.

Information is correct as at 11 April 2016.

DBS Treasures Insurance Disclaimers

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