Signature Income Series
Elevating the growth and strength of your legacy to stretch across generations
About this plan
Signature Income Series is a single premium legacy planning plan that helps you build a lasting financial legacy while receiving monthly income up to age 120. With one upfront payment, it combines lifetime coverage, flexible income options, and the ability to support future generations, making legacy planning simpler and more adaptable to your evolving needs.
Why should you get it?
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Enjoy income for life Enjoy a regular stream of monthly income from your policy, helping to support your lifestyle, retirement needs, or legacy goals
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A single-premium solution for legacy planning Secure lifetime coverage for death and terminal illness up to age 120 with just one single premium payment.
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Flexible legacy planning options Choose the options that best suit your wealth transfer and estate planning needs:
Pay in SGD or USD.
Start receiving monthly income¹ from the 37th or 49th policy month.
Choose to receive your monthly income or leave it with Manulife to earn non-guaranteed interest³.
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Access value from day one Your policy comes with a guaranteed surrender value from day one of at least 80% of the single premium paid.
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Adapt your legacy plan as life changes Transfer the policy to a new life insured² after two years, giving you greater flexibility across generations.
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Easy application with no health check-up Guaranteed acceptance with no health questions asked.
Enjoy up to 1.9% premium discount.
Get covered today and enjoy exclusive savings. T&Cs apply.
Learn more about Signature Income Series
Step 1: Make one upfront payment
Start your plan with a single premium in SGD or USD.
Step 2: Start receiving monthly income
Choose whether your income1 begins from the 37th or 49th policy month.
Step 3: Decide how you'd like to use your income
Receive your monthly income or leave it with Manulife to earn interest at a non-guaranteed rate.
Step 4: Pass on your legacy
Your plan provides coverage and wealth transfer options to help support future generations.
Signature Income Series may be suitable if you:
Want a regular income stream to help support your lifestyle or retirement goals.
Prefer making a one-time premium payment instead of ongoing premium commitments.
Are planning to leave a financial legacy for your loved ones or future generations.
Value flexibility, with options to choose when your monthly income starts and the currency for your premium payment.
Want lifetime coverage for death and terminal illness alongside your legacy planning goals.
Frequently asked questions
Yes. You may assign your policy to another person, such as a family member, while the policy is in force, subject to Manulife's terms and conditions. Speak to your financial representative to understand the requirements and process.
No. You'll choose your monthly income start month when you apply for the policy. Once your policy is issued, this choice cannot be changed.
If you choose to accumulate your monthly income with Manulife, any accumulated monthly income and accrued interest will be paid together with the death benefit, where applicable, according to the policy terms.
Yes. Certain exclusions apply. For example, if the life insured dies within one year from the policy issue date, reinstatement, or a change of life insured due to a pre-existing condition, the death benefit may not be payable. Please refer to the policy contract for full details.
If you surrender your policy, the amount you receive will depend on your policy's surrender value at that time. This may include the guaranteed surrender value and any applicable non-guaranteed benefits, in accordance with your policy terms.
Signature Income Series helps you pass on wealth to future generations through monthly income, death benefit protection and the option to change the life insured2, subject to policy terms and approval.
Terms and conditions apply. Please refer to the Product Summary for more information about this insurance plan.
1. Signature Income Series includes Signature Income (III) SGD and Signature Income (III) USD. Signature Income Series provides 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.
2. Policy owner may request to change the life insured after 2 years from the policy issue date and must have an insurable interest on the new life insured at time of change. Acceptance of the new life insured is at Manulife’s sole and absolute discretion and will depend upon the insurability of this new life insured, as well as other terms and conditions as Manulife shall determine from time to time. Applicable for Signature Income (III) USD corporate-owned policies and Signature Income (III) SGD both corporate and individual-owned policies. For more details, please refer to the Policy Contract.
3. The monthly income can be accumulated with Manulife at the prevailing interest rate. The interest rate is subject to change by Manulife with 30 days' advance notice to the policy owner.
Signature Income Series are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy’s surrender value (if any) may be zero or less than the total premiums paid.
This brochure is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details and exclusions for the mentioned insurance product in the policy contract. This brochure is also available in Chinese and Bahasa Indonesia. If there are any differences between the English, Chinese and Bahasa Indonesia versions of this brochure, the English version will apply.
This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme, as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg (opens in a new tab) or www.sdic.org.sg).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.
All information is correct as of 7 July 2024.