Frequently Asked Questions

Manulife SG App is available on both Google Play and Apple App Store. Download the app using the QR code below for convenient access to your policies.

Follow the steps below to create your account:

1.  Log in to your account via MyManulife or the Manulife SG App.

2. Click "Register a ManuConnect account".

3. Enter your NRIC/FIN/Passport/Other identification number registered with Manulife and your date of birth, then click "Continue".

4. A One-Time Password (OTP) will be sent to your mobile number registered with Manulife. Verify your account by entering the OTP.

5. Input your registered email address and set your password, then click "Continue".

6. A verification code will be sent to this email address. Verify your account by entering the OTP.

7. Your account has been successfully created! You will be directed to the main page to log in and start using your account.

ManuConnect ID is the login ID used to access all Manulife platforms.

If you have forgotten your ManuConnect ID, follow the steps below to retrieve your ManuConnect ID:

1.  Log in to your account via MyManulife or the Manulife SG App.

2. If you're on MyManulife, click "Forgot ManuConnect ID." If you're using the Manulife SG App, tap "Sign in", followed by "Forgot/Reset password".

3. Enter your NRIC/FIN/Passport/Other identification number registered with Manulife and your date of birth, then click "Continue".

4. A One-Time Password (OTP) will be sent to your mobile number or email address registered with Manulife. Verify your account by entering the OTP.
 

5. After verification, you will receive your ManuConnect ID.
 

If you have forgotten your password, follow the steps below to reset your password:

1.  Log in to your account via MyManulife or the Manulife SG App.

2. If you're on MyManulife, click "Forgot/Reset password". If you're using the Manulife SG App, tap "Sign in", followed by "Forgot/Reset password".

3. Enter your ManuConnect registered email address, then click "Continue".

4. A One-Time Password (OTP) will be sent to your ManuConnect registered email address. Verify your account by entering the OTP.

5. Create a password, then click "Continue".

6. Your account password has been successfully updated! You will be directed to the main page to log in and start using your account.

Follow the steps below to change your login email and/or password:

1.  Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Profile" tab, then select "Login & Password".

3. Click "Edit" to update your login and/or password.
 

1. Sign in using your ManuConnect ID and password, or via Singpass.
   
   
2. If this is your first time using the app, you will receive a prompt to register your device for biometric authentication. Select “Enable" to proceed.
   
   
3. Alternatively, after signing in, go to your profile. Under “Account settings”, enable the toggle button next to Biometric ID.

1. Sign in using your ManuConnect ID and password, or via Singpass.

2. If this is your first time using the app, you will receive a prompt to turn on notifications. Select “OK" or “Allow” to proceed.

3. Alternatively, after signing in, go to your profile. Under “Account settings”, enable the toggle button next to Push notifications.
 

1. Sign in using your ManuConnect ID and password, or via Singpass.
   
   
2. If this is your first time using the app, you will receive a prompt to enable digital token. Select “Enable" to proceed.
   
   
3.  Alternatively, after signing in, go to your profile. Under "Account settings", enable the toggle button next to Digital token.
    

You may assign your policy through an Absolute Assignment, which transfers full ownership of the policy from the current policyowner (Assignor) to another individual or corporate entity (Assignee).

Once the assignment is completed, the Assignee will assume all rights and ownership of the policy.

For information on eligibility and submission instructions, please visit the Absolute Assignment page.
 

You may use your policy as collateral for a loan by assigning it to a financial institution through a Collateral Assignment.

Once the loan has been fully repaid, the policy may be reassigned to you as the policyowner.

For information on eligibility and submission instructions, please visit the Collateral Assignment page.

Not all policies are eligible for Absolute Assignment. The following policies cannot be assigned:

• Policies that are not in force
• Policies purchased using CPF Investment Scheme (CPFIS-OA/SA) funds
• Policies purchased using Supplementary Retirement Scheme (SRS) funds
• Policies under a trust nomination, unless the trust nomination has been revoked with the consent of all trustees and beneficiaries
• Policies pledged under the Home Protection Scheme (HPS) exemption
  
  

Please refer to the Checklist section of the Absolute Assignment to an Individual Form or Absolute Assignment to an Entity Form for the applicable submission requirements.

For information on eligibility and submission instructions, please visit the Absolute Assignment page.

Not all policies are eligible for Collateral Assignment. The following policies cannot be assigned:

• Policies that are not in force
• Policies with certain riders, unless the riders are terminated before the assignment
• Policies purchased using CPF Investment Scheme (CPFIS-OA/SA) funds
• Policies purchased using Supplementary Retirement Scheme (SRS) funds
• Policies under a trust nomination, unless the trust nomination has been revoked with the consent of all trustees and beneficiaries
• Policies pledged under the Home Protection Scheme (HPS) exemption
  
  

For information on eligibility and submission instructions, please visit the Collateral Assignment page.

Policyowners who are also the life insured of a policy may nominate beneficiaries to receive the policy benefits at the time of purchase or at any time after the policy is issued.

There are two types of nominations available: 

• Trust Nomination
• Revocable Nomination
  
  

For more information on eligibility, the differences between the nomination types, and how to submit a nomination, please visit the Change your beneficiaries page.

To notify Manulife of a new or updated will, please complete the Enclosure of Certified True Copy of Will Form, attach a certified true copy of your will, and mail the original wet-ink signed form together with the supporting documents to Manulife.
 

A policy may lapse if premiums remain unpaid after the 30-day grace period and there is no cash value, or if an Automatic Premium Loan cannot be applied and/or the fund value is insufficient to cover the monthly insurance and administrative charges.

If your policy has lapsed, you may apply for reinstatement to restore your policy coverage and benefits, subject to the terms and conditions of your policy contract.

For more information on reinstating a lapsed policy, please visit the Policy Reinstatement page.
 

Please submit the completed Application for Reinstatement Form within 2 months of the date it was signed.
 

In most cases, only one Application for Reinstatement Form is required. However, if your policy covers more than one life insured, additional forms may be required.
 

Depending on your policy features, you may be able to change the Life Insured under your policy.

This option is available for policies with the following riders or features:

For Traditional insurance policies
 

• Parent’s Option (PO) rider: Allows the Policyowner to change the Life Insured to the designated child.
• Keyman Replacement Option (KRO) rider: Allows the Policyowner to change the Life Insured to another key individual.
• Change of Life Insured Option: Enables the Policyowner to change the Life Insured to anyone with an insurable interest.
  
  

For investment-linked policies
 

• Parent’s Option (PO) rider: Allows the Policyowner to change the Life Insured to the designated child.
• Keyman Replacement Option (KRO) rider: Allows the Policyowner to change the Life Insured to another key individual.
• Change of Life Insured Option: Enables the Policyowner to change the Life Insured to anyone with an insurable interest.
• Life Replacement Option (LRO): Allows the Policyowner to change the Life Insured to anyone with an insurable interest.
  
  

We encourage you to speak with your Representative to understand the options available under your policy.

For more information on changing the Life Insured, please visit the Change Insured Person page.
 

Depending on your policy contract, you may be able to adjust the sum insured for your policy and any applicable riders.

Please note that increases in the sum insured are available only for selected plans and may be subject to underwriting requirements.

We encourage you to speak with your Representative to understand the options available under your policy.

For more information on changing the sum insured of your policy, please visit the Change Sum Insured page.
 

For traditional policies:

The increase in sum insured will take effect from the policy effective date. Where applicable, you will be informed of any additional premium or interest payable.

For investment-linked policies: 

The increase in sum insured will take effect from the next policy monthiversary.
 

For Traditional policies:

The decrease in sum insured will take effect on the next premium due date. If your policy has attained cash value, you may receive a partial refund of the cash value after any outstanding policy loan balance has been deducted, where applicable.

For Investment-linked policies:

The decrease in sum insured will take effect from the next policy monthiversary.
 

If your occupation has changed, please complete Section 5F of the Policy Details Change Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.
 

You can cancel your policy within 14 days from the date you receive the policy contract. The policy contract will be sent to the email address you provided in your application or, in some cases, delivered by post to the address you provided. Please note that the contract is considered received 7 days after it is issued by email or post.

Cancelling your policy during the free look period means the entire policy is terminated, and there will be no insurance coverage. We encourage you to speak with your Representative to discuss your options before making a decision.

For more information, please visit the Policy Cancellation During Free Look Period page.
 

Depending on your policy contract, you may choose to add or remove riders or supplementary benefits. Please note that adding a rider or supplementary benefit may be subject to underwriting, and any additional premium will be based on the life insured's age at the time of application.

We encourage you to speak with your Representative to understand the options available under your policy.

To make a change, please complete Section 5A of the Policy Details Change Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.

This option is available for eligible policies that allow the appointment of a Secondary Life Insured. A Secondary Life Insured helps ensure the continuity of the policy upon the death of the Primary Life Insured, who is the original insured person indicated at the policy’s start date.

To appoint or change a Secondary Life Insured, please complete the Application for Secondary Life Insured Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.
 

A recurring single premium (RSP) allows you to make regular investments into your selected funds. Each RSP contribution is used to purchase units at the prevailing offer price.

Please note that your RSP arrangement will automatically terminate if two consecutive payments are missed.

We encourage you to speak with your Representative to understand the options available under your policy.

To make changes to your RSP details, please complete Section 5B of the Policy Details Change Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.
 

If your policy has accumulated cash value, you may be able to convert it to a reduced paid-up (RPU) policy.

When a policy is converted to RPU:

• The sum insured will be reduced; and
• No further premium payments will be required.

The life insured will continue to be covered for the reduced sum insured, subject to the terms and conditions of the policy.

To covert your policy to a reduced paid-up policy, please complete Section 5G of the Policy Details Change Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.

If you would like to change your payment method to GIRO, you can easily set up a GIRO arrangement via our customer portal, MyManulife, or via the Manulife SG App.

To change to a direct billing payment method, you may terminate your existing GIRO arrangement.

For more information, please visit the Change payment method page.
 

You may choose to pay your premiums monthly*, quarterly, semi-annually, or annually, depending on the terms of your insurance plan.

Note:

*Monthly premium payments are only available through GIRO. To find out how to set up a GIRO arrangement, click here


Instructions:

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the “Services” tab, under “Make a change to your policy”, click on “Change payment frequency".

3. Follow the on-screen instructions to complete the process. You will receive a notification once the request is processed.

If you are unable to submit your request online, you may do so via Policy Details form submission. For more information, please visit the Change payment frequency page.
 

All policies with a "Monthly" payment frequency must be paid through GIRO due to the high payment frequency and to ensure ease and consistency of payment.  
 

eGIRO is a quick and convenient way to apply for GIRO, with setup typically completed within minutes.

For hard copy GIRO applications (where applicable) submitted using the Interbank GIRO Application Form, please allow up to 60 days for the GIRO arrangement to be processed and activated.

For requests to change the payment method from GIRO to direct billing:

Requests received before 3pm will be processed in 3 business days.

Requests received after 3pm will be treated as received on the next business day.
 

If you have an investment-linked policy, you have the flexibility to adjust your premium amount. You can choose to increase or decrease your premium, subject to the Minimum Investment Period (MIP), Flexi Start date or sum assured limits of your policy.

We encourage you to speak with your Representative to understand the options available under your policy.

To make a change to your policy premium, please complete Section 5A of the Policy Details Change Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.

For more information on changing your premium, please visit the Change of Premium page.
 

Your request will take effect on the next premium due date.
 

If you are an individual policyowner with an SGD-denominated regular premium policy (excluding CPF/SRS-funded policies) and hold an account with a participating bank, you can apply for eGIRO through MyManulife or the Manulife SG App.

Participating banks include DBS/POSB, OCBC, UOB, Citibank, Standard Chartered, HSBC, Maybank, ICBC and Bank of China.


Instructions:

1.  Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Services" tab, then select “GIRO Application”.

3. Select the policy that you wish to apply for GIRO arrangement.

4. Select the bank for your GIRO arrangement, then confirm your details and premium amount.

5. You will be directed to the bank’s website to complete the GIRO application.

6. Follow the on-screen instructions to complete the process. You will receive a notification once the request is processed.

If you are not eligible for eGIRO, alternative GIRO application methods are available. For more information on setting up GIRO, please visit the GIRO Arrangement page.
 

Instructions:

1.   Log in to your account via MyManulife or the Manulife SG App.

2.   Select the policy and click on the "Premium Payment" tab.

3.   Under "Payment mode/Method", you can view your GIRO arrangement details.
 

After your GIRO application has been approved, you will receive the GIRO Approval notification which indicates your policy's GIRO deduction start date.

Generally, the scheduled GIRO start date will be determined based on your policy's premium due date and plan type (Accident & Health (A&H) plan or otherwise) as follows:

Note:
 

• You will be informed of the GIRO deduction date in our approval letter once your GIRO application is approved.
• Should the scheduled deduction fall on a non-business day, the deduction will take place on the next business day.
• Your premium will be sent to the bank 5 business days prior to the actual deduction date. Therefore, any payments made during this period will not be able to stop the GIRO deduction, and any policy changes will not be reflected.
• GIRO deduction will not take place if the policy is under Premium Holiday or Premium Shortfall Charge.
• Change of bank account number will not change existing GIRO deduction date. 
   

If your first GIRO deduction fails, we will attempt to make another deduction on the next scheduled date, as long as the policy is still in force. The GIRO deduction is scheduled on the 2nd or 16th of every month for all Manulife policies.
 

Hard copy GIRO applications are only available to:
 

• Corporate policy owners who are not DBS or POSB account holders; or
• Individual policy owners who wish to set up a GIRO arrangement with a bank that is not one of the nine participating banks: DBS/POSB, OCBC, UOB, Citibank, Standard Chartered, HSBC, Maybank, ICBC, and Bank of China.

A hard copy GIRO application may be rejected for a variety of reasons. Common reasons include:
 

• Incomplete or missing information on the application form;
• A signature that does not match the bank's records;
• Use of correction fluid, correction tape or unauthorised amendments on the form; or
• Failure to meet other bank validation requirements.

If you are eligible for eGIRO, we recommend applying online via MyManulife or the Manulife SG App. eGIRO performs upfront validation checks, helping to reduce errors and speed up the application process.
 

There are no fees or charges associated with setting up a GIRO arrangement.
 

You can apply for a new GIRO arrangement, which will replace any existing GIRO arrangement. There is no need to terminate the existing GIRO arrangement before applying for a new one.
 

eGIRO applications submitted via MyManulife can usually be completed within minutes and are typically approved within 1 business day.

For hard copy GIRO applications submitted using the Interbank GIRO Application Form, please allow up to 60 days for the GIRO arrangement to be processed and activated.
 

Once your eGIRO/GIRO application has been successfully processed, we will send you a GIRO Approval notification through either eComms or mail, depending on your document preference.
 

For each scheduled GIRO deduction, we will submit a request to your bank to deduct the premium from your designated bank account. Depending on your notification settings with your bank, you may receive a notification when the deduction is made. You may also refer to your bank statement to confirm the deduction.

If a GIRO deduction is unsuccessful, we will send you a Notice of Unsuccessful GIRO Deduction. If the unsuccessful deduction is the first attempt and your policy remains in force, we will make a second deduction attempt.
 

Please visit this page to view the current foreign exchange (FX) rates.

You can manage your investment portfolio through MyManulife or the Manulife SG App.


The following options are available:

Switch funds

Transfer existing units from one fund to another within your investment-linked policy. For more information, please visit the Fund Switch page.

Change premium allocation

Redirect future premiums to your preferred funds based on your desired percentage allocation. For more information, please visit the Change Premium Allocation page.

Auto re-balance your portfolio

Keep your portfolio holdings in line with your investment strategy. Your portfolio will be automatically adjusted to match your chosen fund allocation at each policy anniversary. For more information, please visit the Automatic Fund Rebalancing page.
 

You can choose to have dividends from eligible dividend-paying funds:

• Reinvested into the respective fund to purchase additional units; or
• Paid out as cash.

Note: If the dividend declared for a fund is less than S$40, the amount will be automatically reinvested, regardless of the dividend payout option selected.

We encourage you to evaluate your risk tolerance, investment goals and investment time horizon before making an investment decision. If you need help reviewing the suitability of your investment, or if you do not have a valid Customer Knowledge Assessment (CKA), please get in touch with your Representative who can assist you on your request.

Instructions:

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on the "Services" tab, then select "Change dividend payout option".

3. Select the policy you would like to apply this change to.

4. Click “Select fund” to choose the dividend-paying fund(s) for which you want to change the dividend payout option.

5. Follow the on-screen instructions to complete the process. You will receive a notification once the request is processed.

For more information, please visit the Change Dividend Payout Option page.
 

This withdrawal option is only available for Manulife InvestReady (III), Manulife SmartRetire (II), Manulife SmartRetire (III),and Manulife SmartRetire (V) policies.

For all other investment-linked policies, dividend withdrawals are considered partial withdrawals. These may be subject to surrender charges and could reduce your policy value. Please refer to your policy contract for more details.

We encourage you to evaluate your risk tolerance, investment goals and investment time horizon before making an investment decision. If you need help reviewing the suitability of your investment, or if you do not have a valid Customer Knowledge Assessment (CKA), please get in touch with your Representative who can assist you on your request.

Instructions:

1. Log in to your account via MyManulife or the Manulife SG App.

2. Click on “Services”, then select "Surrender/Withdrawal".

3. Choose the policy from which you wish to withdraw your reinvested dividends from.

4. Under “Type of Request,” select “Withdrawal of reinvested dividends without penalty”, and indicate whether you want to withdraw the full amount or a specific amount.

5. Follow the on-screen instructions to complete the process. You will receive a notification once the request is processed.

Please note that policies with the following statuses or requests are not eligible for online submission:
 

• Policies placed under trust*
   

*Trust policies are policies with a trust nomination under Section 132 (formerly Section 49L) of the Insurance Act 1966
 

• Policies that are currently on hold
• Requests to transfer proceeds from a cash-funded policy to another policy owned by the same policyholder
   

For more information, please visit the Withdrawal of Reinvested Dividends page.
 

If your policy has a trust arrangement, please download and complete the Fund Switch/Premium Redirection/Auto-Rebalancing Form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.


Please note the following signing requirements:

Who will need to sign the form?

For non-trust policies:
 

• The Assignee or Policyowner must sign the form. 
       

For Trust policies under Section 132 of the Insurance Act (formerly known as S49L):    
  

• The Policyowner and any one Trustee who is not the Policyowner, or     
• All Beneficiaries who are at least 18 years old must sign the form.
• If any Beneficiary is under 18 years old, a legal guardian or parent who is not the Policyholder can provide consent.   
     

For a Trust policies under Section 73 of the Conveyancing and Law of Property Act:    
  

• The Policyowner and all Trustees, or    
• All Beneficiaries who are at least 21 years old must sign the form.
• If any Beneficiary is under 21 years old, a legal guardian or parent who is not the Policyholder can provide consent.
   

If your policy has a trust arrangement, please contact us at service@manulife.com to obtain the Fund Switch Form. Alternatively, you may request for the relevant form via this Contact Us form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.


Please note the following signing requirements:

Who will need to sign the form?

For non-trust policies:
 

• The Assignee or Policyowner must sign the form.   
     

For Trust policies under Section 132 of the Insurance Act (formerly known as S49L):      
 

• The Policyowner and any one Trustee who is not the Policyowner, or     
• All Beneficiaries who are at least 18 years old must sign the form.
• If any Beneficiary is under 18 years old, a legal guardian or parent who is not the Policyholder can provide consent.  
      

For a Trust policies under Section 73 of the Conveyancing and Law of Property Act:   
   

• The Policyowner and all Trustees, or    
• All Beneficiaries who are at least 21 years old must sign the form.
• If any Beneficiary is under 21 years old, a legal guardian or parent who is not the Policyholder can provide consent.
   

If your policy has a trust arrangement, please download and complete the Fund Switch/Premium Redirection/Auto-Rebalancing Form.

Once the form has been completed and signed by the relevant parties, please email the form to us at forms@manulife.com for further processing.


Please note the following signing requirements:

Who will need to sign the form?

For non-trust policies:
 

• The Assignee or Policyowner must sign the form.   
     

For Trust policies under Section 132 of the Insurance Act (formerly known as S49L):      
 

• The Policyowner and any one Trustee who is not the Policyowner, or     
• All Beneficiaries who are at least 18 years old must sign the form.
• If any Beneficiary is under 18 years old, a legal guardian or parent who is not the Policyholder can provide consent.  
      

For a Trust policies under Section 73 of the Conveyancing and Law of Property Act:      
 

• The Policyowner and all Trustees, or    
• All Beneficiaries who are at least 21 years old must sign the form.
• If any Beneficiary is under 21 years old, a legal guardian or parent who is not the Policyholder can provide consent.
   

If you did not pass the CKA, you will not be able to perform your fund transactions online. Please contact your Representative for assistance with your fund transactions.
 

To better understand your monthly statement, please read our comprehensive guide here for a detailed explanation of your statement.
 

We encourage you to evaluate your risk tolerance, investment goals and investment time horizon before making an investment decision.

If you need help reviewing the suitability of your investment, or if you do not have a valid Customer Knowledge Assessment (CKA), please get in touch with your Representative who can assist you on your request.

If you decide to proceed with the single premium top-up, complete the Single Premium Top Up Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.
 

CKA stands for Customer Knowledge Assessment. The CKA serves as a tool to assess your knowledge and/or investment experience in Investment-Linked Policies (ILPs), and Collective lnvestment Schemes (CIS) so that appropriate advice and recommendation can be provided. Any inaccurate or incomplete information disclosed by you can potentially affect the outcome of the assessment and hence, the suitability of the advice/ recommendations.

RPQ refers to the investment Risk Profile Questionnaire. This RPQ is designed to assist Manulife in determining your risk profile through the assessment of your general attitude towards investment risk, as well as your capacity to take on this risk.
 

The requirements for submitting a claim vary depending on the type of claim. Please refer to this page for the specific requirements for each type of claim.
 

Refer to the TCM Practitioner Board link to verify if your TCM practitioner is registered, to ensure your claim is eligible for reimbursement.
 

1.  Log in to your account via MyManulife or the Manulife SG App.

2. Select 'Transaction history' from the Quick links or from the 'Servicing' tab.

3. Select the relevant policy to view the claim status under the transaction history.
 

You can request the following changes to your RetireSavvy plan:
 

• Defer your retirement age, change your income payout period or change your retirement income rate
   

Your request must be submitted at least two years before your selected retirement age.
 

• Exercise the Premium Top-Up option
  
  

After we receive your request, we will send you an updated Policy Illustration and payment instructions by email. To complete your request, please sign and return the Policy Illustration and make the required Premium Top-Up payment.

How to submit your request

Complete the Change of Flexible Options Form and submit it together with any required supporting documents via MyManulife or via the Manulife SG App. Alternatively, you may mail the completed original hard copy form to Manulife.
 

Premium Top Up
 

1. Premium top-up can be performed any time 1 year after policy inception and up to 5 years before reaching your selected retirement age per stated in your policy.
2. Minimum: each premium top-up amount must be at least $3,000.00
3. Maximum: the total premium top-up(s) amount (in multiples of $10) in each policy year must not exceed the total annual mode basic premiums payable for the basic plan
4. If premium freeze has been applied to the policy, premium top-up is not allowed thereafter.
    

Defer Retirement Age, Change Income Payout Period, Change Retirement Income Rate

The request must be made at least 2 years before reaching your selected retirement age.

For Defer Retirement Age, it can only be changed to a "later" (deferred) retirement age but not to an earlier retirement age.
 

There is a two-step process to effect Premium Top Up.
 

1. Upon receipt of your completed form, we will take around 8 business days to generate and send you the Policy Illustration (PI) for your review. Upon signing the PI, please email it to us and make payment for your top up.
2. Upon receipt of your PI and with full payment made, we will take about 6 business days to effect the top up.
    

For the other transactions (Defer Retirement Age, Change Income Payout Period, Change Retirement Income Rate):

Requests received before 3pm will be processed in 3 business days.

Requests received after 3pm will be treated as received on the next business day.
 

Who will need to sign the form?

For non-trust policies:
 

• The Assignee or Policyowner must sign the form.   
     

For Trust policies under Section 132 of the Insurance Act (formerly known as S49L):   
   

• The Policyowner and any one Trustee who is not the Policyowner, or     
• All Beneficiaries who are at least 18 years old must sign the form.
• If any Beneficiary is under 18 years old, a legal guardian or parent who is not the Policyholder can provide consent.  
      

For a Trust policies under Section 73 of the Conveyancing and Law of Property Act:      
 

• The Policyowner and all Trustees, or    
• All Beneficiaries who are at least 21 years old must sign the form.
• If any Beneficiary is under 21 years old, a legal guardian or parent who is not the Policyholder can provide consent.