At a Glance

Returns that is linked to internationally recognised indices.


Downside protection from adverse market conditions.


Flexibility to change premium and index sub-accounts allocations.


Signature Indexed Universal Life Select (II) is a universal life plan that preserves and grows your wealth for future generations; allowing you to be in control of your legacy with the advantage of potentially higher returns through the Index Account.

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Features and Benefits

Opportunity for higher returns

  • Earn potentially higher returns1 from the Index Account that is linked to internationally recognised indices.
  • Option to enhance potential returns by 115% by choosing the Performance Index Sub-account2.


  • Flexible to select amount and frequency of premium payments3
  • Flexible premium allocation into different accounts and index sub-accounts4
  • Option to rebalance and/or reallocate the values between accounts and index sub-accounts4
  • Option to change life insured5 during the policy term
  • Policy ownership can be transferred6 to your next generation

Peace of mind

  • Whole life coverage7
  • Regardless of market conditions, Minimum Surrender Value8 is determined by using a fixed rate of 2.00% p.a. will be payable at full surrender if it is higher than the Policy Value after deducting the Surrender Charge
  • Option to spread premium allocated into the Index Account, to create segments up to 12 months to earn a potentially more stable return1

How it works


The actual benefits payable and coverage are not guaranteed and are dependent on the actual crediting rates (subject to the minimum guaranteed crediting rate) applied to your policy's Fixed Account and Index Account, actual policy charges (subject to the maximum policy charges), amounts of any additional premiums paid, partial withdrawals made, loans taken, and other changes and transactions made under the policy. Please refer to product summary for terms.

1 Crediting rate for Index Account is calculated based on the point-to-point performance of the underlying indices, excluding dividends, subject to floor and cap rates set by Manulife, multiplied by the Performance Multiplier of 115% (applicable to Performance Index Sub-account only), plus guaranteed loyalty bonus (if any).

2 Monthly Performance Charge of 0.083% will apply to the policy based on the value in the Performance Index Sub-account.

3 Policy owner may pay premiums of any amount at any time before life insured’s age 100, within the maximum limits set. If there is enough cash value in the policy, policy owner may skip a premium payment or stop paying premiums entirely. Extra premiums may be required if the actual interest paid under the policy is lower than illustrated, if loan is taken, or if withdrawal is made, or if the actual policy charges are increased. 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 Allowed two years after policy is issued and before life insured’s age 100. Each Account Reallocation request must be at least 2 years apart. Policy owner may also change the Net Premium Allocation and/or Index Account Composition, subject to approval. For more details, please refer to the product summary.

5 Two years after policy is issued, the policy owner may request to change life insured up to 2 times during the term of the policy for individual-owned policy and unlimited number of times for corporate-owned policy. Any request to change life insured will be subject to review and underwrtiting on the proposed new life insured. Other terms and conditions apply. For more details, please refer to the product summary.

6 Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The policy owner and assignee must be at least 18 years old.

7 Death benefit is the face amount of the policy or the policy value at the date of death, whichever is higher, less any outstanding policy debt. Terminal illness coverage is up to life insured’s age 99.

8 Minimum Surrender Value is determined by using a fixed rate of 2.00% p.a. every year, and is calculated after deduction of applicable policy charges and Surrender Charge.

This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 12 February 2023.

DBS Treasures Insurance Important Notes


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