Signature Legacy Harvest

Here’s how this plan works:

• Step 1: Choose your premium payment option 
  Select a payment option that suits your financial goals: a single premium or annual payments over 3 or 5 years.

• Step 2: Grow your wealth and legacy 
  Build your wealth over time while creating a legacy strategy to support your loved ones across generations.

• Step 3: Access your policy value

        Use flexible options like ad hoc withdrawals or the Bonus Realisation Option⁶ to receive yearly income from realised bonuses.

• Step 4: Plan how your wealth is passed on 
  Use options such as policy split⁴ and death benefit⁵ instalments to distribute your wealth according to your plans.

• Step 5: Keep your policy going across generations

        Nominate a Secondary Life Insured¹ or Contingent Policy Owner³, or apply to change the life insured².

• Step 6: Stay protected throughout your journey 
  Enjoy lifelong coverage for death and terminal illness of the life insured as you build your legacy.

Signature Legacy Harvest may be suitable for:

Individuals looking to grow and preserve their wealth - You want whole life coverage while building wealth that can potentially be passed on to future generations.

Families planning for future generations - You want flexibility in how your wealth is distributed, with options such as policy split⁴ and death benefit⁵ instalments.

Those seeking a flexible legacy planning solution - You want a plan that can adapt to changing family needs through features such as change of life insured² and policy continuity options.

Individuals who would like access to their policy value - You want the flexibility to access part of your policy value through bonus realisation⁶ or other policy options, subject to policy terms.

Business owners and affluent individuals planning their legacy - You are looking for a structured way to help grow, manage and transfer wealth according to your long-term goals.

Terms and conditions apply. Please refer to the Product Summary for specific definitions.

1. To nominate a Secondary Life Insured, the Secondary Life Insured must have an insurable interest with both the policy owner and the Contingent Policy Owner (if any). Other terms and conditions apply.

2. Change of life insured option is available only after 2 years from the policy issue date. The new life insured must have insurable interest with the policy owner and the Contingent Policy Owner. Other terms and conditions apply.

3. To nominate a Contingent Policy Owner, the Contingent Policy Owner must be at least 18 and have an insurable interest in the current life insured and Secondary Life Insured. Other terms and conditions apply.

4. The policy owner may request to split the policy into separate policies after 3 years (applicable for single premium) or 5 years (applicable for 3- and 5-years premium term). Other terms and conditions apply.

5. The Death Benefit Inheritance Option must be elected at policy application. The policy owner will not be allowed to change the inheritance period or opt for this option after the policy has been issued. Please refer to the product summary for more details.

6. Bonus Realisation Option is available starting from the 5th policy anniversary. It can only be exercised once per policy year, and the request must be submitted to Manulife within 31 days after the policy anniversary. Other terms and conditions apply.

7. In the event the life insured is diagnosed with a designated condition after the 2nd policy anniversary, the policy owner may apply to realise up to 100% of the terminal bonus. Exercisable once only. 

8. 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.

9. If the life insured passes on, the following will be paid in one lump sum (unless the Death Benefit Inheritance Option applies):

The higher of:

        (a) 101% of total premiums paid; or

        (b) sum of guaranteed surrender value of basic plan, surrender value booster benefit (if any) and non-guaranteed terminal bonus (if any), plus any accumulated realized terminal bonus, less any amounts owing to Manulife.

If a Secondary Life Insured is nominated before the death of the life insured, no death benefit will be payable, as the Secondary Life Insured will take over as the life insured (subject to Manulife's approval). 

Signature Legacy Harvest 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 (opens in a new tab) or www.sdic.org.sg (opens in a new tab)).

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 of 18 January 2026.