Legacy Planning

ManuSignature One – Whole Life Insurance for you

Build your legacy to continue supporting those who are most precious to you.

ManuProtect Term

Get started with ManuSignature One – this single premium1 whole life insurance plan helps you preserve and grow the wealth that you have built over the years, so your legacy can continue to support those who are most precious to you. Choose from these two options for coverage that suits your needs:


Option 1

Ensures coverage against Death2, Terminal Illness (TI)3, and Total and Permanent Disability (TPD)4.

  • Death
  • Terminal Illness
  • Total and Permanent Disability
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The maximum entry age is 64 years (Age Last Birthday). Entry age is applicable for the Life Insured.


Option 2

Provides coverage against Death2 and Terminal Illness (TI)3.

  • Death
  • Terminal Illness
  •  
     
  •  
     
 
The maximum entry age is 70 years (Age Last Birthday). Entry age is applicable for the Life Insured.

How the plan can benefit you:
  • Protects and distributes your wealth for legacy planning
  • Provides high protection of up to 300%5 of your chosen Sum Insured
  • Creates an immediate estate with guaranteed cash value from policy start date (80% of your single premium)
  • Preserves and grows what you have earned in the form of non-guaranteed bonuses6

This plan can help you with the possible needs of:

  • Wealth Protection
  • Legacy Enhancement
  • Gifting for Children
  •  
     
 

For more information, visit any DBS Treasures centre or

Contact me

Footnotes
1 Subject to a minimum Sum Insured of S$150,000.
2 In the event of death of Life Insured during policy term:
  1. Before the Policy Anniversary immediately following the 85th birthday of the Life Insured, Manulife (Singapore) Pte. Ltd. ("Manulife") pays a Death Benefit, less any policy debt, that is the higher of:
    1. The Basic Sum Insured plus non-guaranteed bonuses; or
    2. The Minimum Protection Benefit (MPB)
  2. On or after the Policy Anniversary following the 85th birthday of the Life Insured, the Basic Sum Insured, plus any non-guaranteed bonuses are payable.
3 In the event of Terminal Illness (TI) before the Policy Anniversary immediately following the 99th birthday of the Life Insured, the Death Benefit will be advanced in a lump sum. The maximum TI and Critical Illness (CI) Benefits payable inclusive of all other policies issued by Manulife (or policies which Manulife is otherwise liable for) on the same life providing for any TI and/or CI Benefit is S$2 million. However, no further TI Benefit will be paid on the same life once an aggregate payment of S$1 million on TI has been paid by Manulife (whether under this policy or another policy which Manulife is liable for). Accumulated Reversionary Bonus (if any) and/or Claim Bonus (if any) are included in determining the TI limit or TI/CI limit of S$1 million or S$2 million respectively.
4 In the event of Total Permanent Disability (TPD) before the Policy Anniversary immediately after the 65th birthday of the Life Insured, the Death Benefit will be advanced in a lump sum. The Disability must last for a minimum period of 6 consecutive months before a claim can be admitted. The maximum TPD Benefit payable inclusive of all other policies issued by Manulife (or policies which Manulife is otherwise liable for) on the same life providing for Disability Benefits is S$2 million.
5 Applicable entry age 0 to 35 years (Age Last Birthday).
6 The actual bonus amount payable may vary according to the future performance of the Participating Fund.

Information is correct as at 1 January 2016.

Important Notes

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