Legacy Planning

Heirloom (V) – Universal Life Insurance for you

Secure your legacy, preserve your estate and protect what you have built for your family.

Heirloom (III) – Universal Life Insurance for you

Start planning with Heirloom (V) – this flexible premium universal life insurance plan is designed to preserve your estate while providing a financial solution to enhance your legacy.

This plan offers you protection and growth of your hard-earned wealth while giving you flexibility.

  • Guaranteed minimum interest and additional guaranteed loyalty bonus1 crediting rate
  • Transparency in cost of insurance charges capped at 110% of current rates
  • Lower face amount charges for policies with face amount ≥ US$10 million
  • 6 underwriting risk classes - if you qualify for a preferential risk class, your policy charges could be lower
  • Quit Smoking Incentive
  • Flexibility to change your Life Insured2
  • Flexible Premium Payment3
  • Free partial withdrawals4
  • Coverage for Death

This plan can help you with the possible needs of:

  • Wealth Preservation
  • Legacy Enhancement
  • Business Continuity

For more information, visit any DBS Treasures centre or

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1 Guaranteed loyalty bonus crediting rate of 0.25% per annum starts from policy year 16 or policy anniversary after age 70, whichever is later, and ends immediately before the policy anniversary after the Life Insured's 100th birthday.
2 Policy Owner may request to change the Life Insured after 2 years from the Policy Issue Date. Acceptance of the new Life Insured is at Manulife’s sole and absolute discretion and will depend upon the insurability of this new Life Insured, as well as other Terms and Conditions as Manulife shall determine from time to time. Cost of Insurance will be based on the new Life Insured’s age, sex, country of residence, underwriting class and any additional ratings. For more details, please refer to the Product Contract.
3 The actual amount and frequency of premium payments will affect the Policy Value and potentially the Death Benefit, as well as how long the policy is kept in force.
4 Heirloom (V) allows you to perform partial withdrawals without incurring surrender charges or reducing the Face Amount on the condition that the withdrawal is made from 11th Policy Year onwards, and the total withdrawal amount in a particular policy year does not exceed 5% of the Policy Value at the previous anniversary after monthly deductions.

Information is correct as at 24 July 2017.

Important Notes

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