Manulife Singapore strengthens wealth and legacy leadership with projected early-breakeven participating solutions that last generations

• Signature Legacy Harvest: USD participating solution with bonus realisation, liquidity, and multi-generational flexibility and projected early breakeven by the end of Policy Year 5.
  
  
• Manulife WealthGen: SGD participating solution with guaranteed breakeven by end of Policy Year 5 for long-term growth and Supplementary Retirement Scheme (SRS) optimisation, amid growing interest in legacy planning among the emerging and mass affluent.  

SINGAPORE – January 28, 2026 – As high‑net‑worth (HNW) families refine their wealth strategies to prioritise wealth preservation, global diversification, and legacy continuity, Manulife Singapore today announced Signature Legacy Harvest, a USD‑denominated participating whole life plan for HNW and affluent customers, to help them grow, protect and transfer their wealth over the long term.

Manulife Singapore also introduced Manulife WealthGen, an SGD‑denominated participating plan designed to support emerging and mass affluent customers to achieve long‑term growth, retirement flexibility and Supplementary Retirement Scheme (SRS) optimisation.

Building on growing demand for early breakeven, access to liquidity, and long-term wealth preservation, both solutions empower HNW, affluent and emerging and mass affluent customers to grow and protect their wealth across generations, further reinforcing Manulife Singapore’s leadership in wealth and legacy planning.

Multi-Generational Flexibility Across Both Plans 

Both Signature Legacy Harvest and Manulife WealthGen provide customers with enhanced flexibility and policy continuation features that supports wealth preservation across generations. With features below, policy owners can structure the policy so that the value of the policy can be preserved and passed on to future generations:
 

• Change of Life Insured
  
  Allows change in the life insured so that the policy value can continue to grow and be passed on to the next generation. 
  
  
  
• Secondary Life Insured
  
  Allows the policy to continue with the secondary life insured to replace the existing life insured upon the unexpected death of life insured. 
  
  
  
• Contingent Policy Owner
  
  Allows the current policy owner to nominate another person to take over as the policy owner upon the original policy owner’s demise or upon him or her being diagnosed with mental incapacity.  
  
  
  
• Policy Split
  
  Flexibility to split the policy so that the future generation can inherit and benefit from the policy.  
  
  
  
• Death Benefit Inheritance Option
  
  Option to distribute Death Benefits in instalments over multiple years that can facilitate a phased wealth transfer to your loved ones.

Signature Legacy Harvest: purpose-built to shape legacies across generations

Signature Legacy Harvest is designed to help HNW and affluent customers plan and shape their legacy across generations, while maintaining the flexibility to tap on the policy for ad-hoc needs:
 

• Bonus Realisation
  
  Allows policy owners to “harvest” wealth from Year 5 onwards through ad-hoc or yearly bonus withdrawals – making the policy a dual-purpose solution for income while the policy value continues to nurture.
  
  
  
• Early Breakeven
  
  Potential to reach breakeven as early as the end of Policy Year 5¹, helping policy owners stay on track toward their long‑term goals.
  
  
  
• Highest Day-1 Surrender Value² at 85% of Single Premium
  
  Provides immediate liquidity for global investments or financing opportunities, minimising cash outlay and maximising flexibility.
  
  
  
• Resilience Care Benefit
  
  Cash out up to 100% terminal bonus upon diagnosis of any of the designated conditions, providing peace of mind during critical health events without dismantling the policy.
  
   

“As Singapore strengthens its position as Asia’s premier wealth hub, HNW and affluent customers are looking for solutions that combine security, flexibility, and seamless wealth transfer,” said Rena Lim, Head of High Net Worth and Financial Advisory, Manulife Singapore. “Signature Legacy Harvest is built to deliver these benefits – offering projected early breakeven, liquidity without surrender, and multi-generational continuity – so our customers can plan confidently across generations.”

Manulife WealthGen: designed for long-term growth and SRS optimisation

Manulife WealthGen, has potentially one of the earliest guaranteed breakeven in the market –by the end of Policy Year 5³. With the flexibility and policy continuation features mentioned above, Manulife WealthGen also addresses the growing interest in legacy planning among emerging and mass affluent customers.

“With the launch of Signature Legacy Harvest and Manulife WealthGen, we reaffirm our commitment to delivering trusted solutions and stewardship of our customers’ wealth and legacy,” said Frank O’Neill, Chief Product Officer, Manulife Singapore. “Our financial strength and scale enable us to deliver solutions that our customers can depend on for today and for generations to come.”

Manulife’s proven strength in multi-generational wealth planning

Manulife Singapore is the leading insurer in Singapore for HNW and Wealth solutions, serving Singaporean and international families with bespoke wealth and legacy strategies. With over 125 years of heritage in Singapore, Manulife Singapore has earned the trust of high-net-worth families by delivering bespoke wealth and legacy strategies that stand the test of time. Manulife has one of the largest underwriting capacities in Asia, and is capable of writing large individual policies, backed by global financial strength and local expertise. Customers continue to trust Manulife to safeguard their wealth and ensure their legacy planning strategies remain resilient and sustainable for the long term.

For more information about the products, visit: Signature Legacy Harvest and Manulife WealthGen pages

About Manulife

Manulife Financial Corporation is a leading international financial services provider, helping our customers make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States, providing financial advice and insurance for individuals, groups and businesses. Through Manulife Wealth & Asset Management, we offer global investment, financial advice, and retirement plan services to individuals, institutions, and retirement plan members worldwide. At the end of 2024, we had more than 37,000 employees, over 109,000 agents, and thousands of distribution partners, serving over 36 million customers. We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.

Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com.

About Manulife Singapore 

Serving Singapore since 1899, Manulife Singapore has grown into a leading life insurer, committed to helping individuals and families achieve financial security and peace of mind. We have built a strong foundation of trust and expertise, offering a comprehensive suite of insurance, retirement, and wealth management solutions designed to meet diverse needs across every stage of life. Our products and services are delivered through a robust distribution network that includes our dedicated financial representatives and specialist partners such as banks and financial advisory firms. For more information, please visit manulife.com.sg.

Media Contact

Eveline How
Manulife Singapore
65 98459483
Eveline_KL_How@manulife.com

Zaim Zahari / Verona Koh 
Manulife@aka-asia.com