Legacy insurance plans in Singapore
With careful planning, you can safeguard your assets and secure the financial future of those who matter most to you. Learn more about how the Manulife Signature series can help you with your legacy needs.
Find a legacy plan for you
Understanding legacy planning with Manulife
Discover how Manulife’s legacy solutions are designed to support your long-term financial goals and wealth transfer needs.
Key benefits and features
Manulife’s legacy plans help you preserve wealth, protect your loved ones and create a lasting financial legacy.
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Wealth preservation and legacy planning Protect, grow and transfer your wealth across generations.
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Life insurance protection Safeguard your loved ones with financial protection.
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Long-term financial security Support future goals with a well-structured legacy plan.
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Business continuity support Help ensure a smooth transition of business assets and ownership.
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Flexible solutions Tailor your plan for wealth growth, income needs and legacy objectives.
Compare plans at a glance
| Plan name | Purpose | Key features | Ideal for |
| Signature Life Series | Legacy preservation and wealth transfer |
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Individuals looking to preserve wealth and create a lasting legacy for loved ones. |
| Signature Legacy Growth (USD) | Wealth growth and legacy planning |
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Individuals seeking wealth accumulation with future generations in mind. |
| Signature Legacy Harvest | Wealth access and legacy planning |
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Individuals looking for flexibility between wealth preservation and access. |
| Signature Indexed Income | Income generation and legacy planning |
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Individuals seeking income while maintaining a legacy strategy. |
| Signature Indexed Universal Life Select (III) | Flexible protection and wealth planning |
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Individuals seeking flexible legacy protection solutions. |
| Signature Income Series | Income-focused legacy solution |
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Individuals looking for income support alongside legacy planning. |
| Signature Wealth | Wealth accumulation and protection |
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Individuals focused on growing and preserving wealth. |
| Heirloom (VII) | Intergenerational wealth transfer |
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Families planning to transfer wealth across generations. |
| Signature Lifetime Rewards (II) (SGD) | Long-term wealth and protection planning |
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Individuals seeking early stream of monthly income. |
Learn more about legacy plans
Legacy plans are financial solutions designed to help preserve your wealth and pass it on to your loved ones in the future. These plans typically combine life insurance protection with legacy planning features to support wealth transfer and provide financial security for future generations.
Manulife legacy planning insurance solutions may be suitable for you if you are:
Growing and protecting your wealth: You want to preserve and potentially increase your wealth while planning for the future.
Supporting your family: You want to create a lasting legacy for your loved ones.
Planning wealth transfer: You want a structured legacy planning insurance solution to pass on your wealth.
Protecting your business interests: You want to support business continuity and safeguard key individuals who contribute to your business.
Seeking long-term security: You want life insurance protection combined with legacy planning benefits.
Choosing the right legacy insurance plan starts with understanding your financial priorities, family needs and wealth transfer objectives.
Assess your financial position: Review your assets, liabilities and overall financial situation to understand your legacy planning needs.
Consider your loved ones' needs: Identify who you would like to provide for and how you want your wealth to be passed on.
Review your business needs: If you own a business, consider whether you require support for business continuity or succession planning.
Consider future uncertainties: Think about potential life events and how you would like to protect your family's financial future.
Review your existing coverage: Assess your current insurance arrangements and identify any gaps that may affect your overall legacy plan.
Frequently asked questions
No. Legacy insurance can be considered by anyone who wants to preserve wealth, provide financial protection and plan for future generations. The right solution depends on your financial goals and legacy planning needs.
The tax treatment of legacy insurance payouts depends on factors such as the policy structure, benefit type and individual circumstances. Consider seeking advice from a tax professional for guidance specific to your situation.
Legacy insurance focuses on using life insurance solutions to protect and transfer wealth, while estate planning covers the broader process of managing and distributing your assets according to your wishes.
Whole life insurance provides lifelong protection and may build cash value, while legacy insurance focuses on using insurance solutions as part of a broader strategy to preserve and transfer wealth to future generations.
Policy owner may request to split the policy into separate policies, after 3 and 5 years from policy issue date for single premium and regular premium plan respectively, subject to the terms and conditions of the policy contract.
Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The assignee must be at least 18 years old.
At our sole discretion, we will review and may adjust terminal bonus regularly (more than once a year). Any adjustments to terminal bonus may significantly impact the death benefit, terminal illness benefit, and surrender value of the policy. In extreme circumstances, terminal bonus may even be zero.
Signature Income Series includes Signature Income (III) SGD and Signature Income (III) USD. Signature Income Series provide monthly income either from the 37th policy month or the 49th policy month, until the life insured reaches age 120 or until the termination of the policy, whichever is earlier. Once the policy is incepted, the monthly income amount and the policy month when the monthly income is first paid out cannot be changed.
The types of Underlying Assets that can be used as a form of premium payment is subject to approval by Manulife Singapore. In addition, the Underlying Assets must have a minimum liquidity level of 2%, which shall be held either in cash (or cash equivalents) or in investments which can be liquidated by the next business day.
Starts from policy year 11 and ends immediately before the policy anniversary after the life insured’s 100th birthday.
Based on an illustrated investment rate of return of 4.25% p.a., each monthly income payable from the end of policy month 13 to end of policy month 60 is 3.0000% p.a. of the sum insured divided by 12, and each monthly income payable from the end of policy month 61 onwards is 3.4500% p.a. of the sum insured divided by 12. Based on an illustrated investment rate of return of 3.00% p.a., each monthly income payable from the end of policy month 13 to end of policy month 60 is 2.1600% p.a. of the sum insured divided by 12, and each monthly income payable from the end of policy month 61 onwards is 2.5056% p.a. of the sum insured divided by 12.
Terms and conditions apply. Please refer to the respective Product Summaries for a specific definition.
This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC.
The information on this page is for general informational purposes only and does not constitute financial advice.
Information is correct as of 25 August 2026.
