Signature Indexed Universal Life Select (III): IUL insurance 

Getting started is simple. You can customise your plan to suit your financial goals and adjust it over time as your needs evolve.

1. Choose how you want to pay

Make a one-time payment or schedule your premium payments over time.

2. Choose how to allocate your premiums

Decide how much to allocate to the Fixed Account and Index Account.

3. Select your index options

Choose up to three index options to match your financial goals and preferences.

4. Adjust your plan as your needs evolve

After the first policy year, you may request to change eligible account and index allocations, subject to the policy terms.

Signature Indexed Universal Life Select (III) may be suitable if you:

• Want death benefit protection while building policy value over the long term. 

• Are planning your estate or legacy and want to pass on wealth to your loved ones. 

• Need a solution for business or wealth planning that can support your long-term financial objectives. 

• Value flexibility to adapt your policy as your financial needs evolve. 

• Want protection during periods of market volatility while seeking opportunities for policy value accumulation.

The actual benefits payable and coverage are not guaranteed and are dependent on the actual crediting rates applied to your policy's Fixed Account and Index Account, actual policy charges, as well as the amounts of any additional premiums paid, partial withdrawals made and/or loans taken.

Terms and conditions apply. Please refer to the Product Summary and Policy Contract for more information.

1. If the life insured dies during the policy term, we will pay the death benefit (as determined as at the date of death) being the higher of:

    (a) the face amount; or 

    (b) the policy value.

We will deduct all policy debt and any amounts owing to us under this policy before we pay you the death benefit. Upon payment of the death benefit, this policy will end.

Terminal illness coverage is up to age 99.

2. You may pay premiums of any amount at any time before age 100, within the maximum limits we set. If you have sufficient policy value, you may skip a premium payment or stop paying premiums entirely. You may need to pay extra premiums if the actual interest we pay you is lower than illustrated, if you take a loan, if you make a withdrawal, or if the actual policy charges increase.  

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.

3. Allowed two years after the policy issue date, subject to insurable interest and any other terms and conditions as set out in the policy contract. 

Any policy charges will be based on the new life insured’s age, gender, country of residence, underwriting class and any other ratings.

Index disclaimers 

 S&P 500 Index/ S&P PRISM Index/ S&P GSCI Gold ER Index

The S&P 500 Index/ S&P PRISM Index/ S&P GSCI Gold ER Index are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by Manulife (Singapore) Pte. Ltd. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are

trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Manulife (Singapore) Pte. Ltd. Signature Indexed Universal Life Select (III) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index/ S&P PRISM Index/ S&P GSCI Gold ER Index.

Euro Stoxx 50 Index 

The Euro Stoxx 50 Index is the intellectual property (including registered trademarks) of STOXX Ltd., Zug, Switzerland (“STOXX”), Deutsche Börse Group or their licensors, which is used under license. Signature Indexed Universal Life (III) is neither sponsored nor 

promoted, distributed or in any other manner supported by STOXX, Deutsche Börse Group or their licensors, research partners or data providers and STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions or interruptions in the Euro Stoxx 50 Index or its data.

Hang Seng Index

The mark and name "Hang Seng Index" are proprietary to Hang Seng Data Services Limited ("HSDS"), which has licensed its compilation and publication to Hang Seng Indexes Company Limited ("HSIL"). HSIL and HSDS have agreed to the use of, and reference to, the Hang Seng Index by Manulife (Singapore) Pte. Ltd ("the Issuer") in connection with Signature Indexed Universal Life (III) (the "Product"). However, neither HSIL nor HSDS warrants, represents or guarantees to any person the accuracy or completeness of the Hang Seng Index, its computation or any information related thereto and no warranty, representation or guarantee of any kind whatsoever relating to the Hang Seng Index is given or may be implied. Neither HSIL nor HSDS accepts any responsibility or liability for any economic or other loss which may be directly or indirectly sustained by any person as a result of or in connection with the use of and/or reference to the Hang Seng Index by the Issuer in connection with the Product, or any inaccuracies, omissions or errors of HSIL in computing the Hang Seng Index. Any person dealing with the Product shall place no reliance whatsoever on HSIL and/or HSDS nor bring any claims or legal proceedings against HSIL and/or HSDS in any manner whatsoever. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker or other person dealing with the Product and HSIL and/or HSDS and must not be construed to have created such relationship.

Signature Indexed Universal Life Select (III) is 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 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 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.

Information is correct as at 27 April 2025.