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Savings insurance plans in Singapore
Start saving to achieve your life goals today, while protecting yourself and your family from life's uncertainties with our range of short to long-term savings insurance policies.
Find a savings insurance plan for you
Key benefits and features
Manulife’s savings insurance plans help you take charge of your finances and stay protected from life’s uncertainties.
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Work towards your financial goals Build funds through structured savings solutions supporting various goals and life stages.
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Enjoy savings with protection Combine savings opportunities with life insurance coverage to help protect your financial plans and loved ones.
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Choose flexible solutions Select plans with different premium payment options, policy terms and features that suit your financial needs.
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Stay prepared for unexpected events Features such as premium freeze options1 and retrenchment benefits2 can help you continue working towards your savings goals during challenging times.
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Plan for future milestones Build savings for important goals while benefiting from solutions supporting both short-term needs and long-term financial planning.
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Support changing financial needs Access savings solutions that provide flexibility and protection as your priorities evolve.
Plan options and comparison
| Plan name | Purpose | Key features |
| Manulife WealthGen | Wealth accumulation and long-term financial planning | Helps you build lasting wealth with legacy planning options and flexible payment options via cash or SRS. |
| Manulife Goal 2026 (I) | Short-term savings solution | A 2-year single premium endowment plan with capital guarantee at maturity and potential returns. |
| Manulife IncomeGen (II) | Long-term income planning | Provides lifetime monthly income up to age 120, maturity payout and protection against death and terminal illness. |
| Manulife GrowSecure | Wealth accumulation with protection | Offers capital guarantee at policy maturity, flexible premium and policy term options and protection benefits. |
| Manulife IncomeSecure | Long-term income solution | Provides yearly income up to age 120, maturity payout and additional protection benefits. |
Learn more about savings insurance plans
A savings insurance plan combines disciplined savings with life insurance protection, helping you build funds for your future goals while providing additional coverage benefits. Unlike traditional savings accounts in Singapore, these plans include the additional benefit of life insurance coverage, offering both savings and protection in one solution.
Manulife savings insurance plans may be suitable for you if you are:
Starting your financial journey: You want to build disciplined savings habits and prepare for milestones like education, home ownership, or other personal goals.
Growing your wealth: You want structured solutions to accumulate funds and strengthen your long-term financial plans.
Building financial security for your family: You want to protect your savings goals and provide additional life insurance coverage for loved ones.
Planning for retirement: You want to supplement your retirement savings with solutions that provide future income and financial support.
Preparing for changing needs: You want flexible savings solutions that adapt as your priorities, responsibilities and financial goals evolve.
Choose a savings insurance plan that aligns with your goals and provides financial protection for you and your loved ones. Consider these factors when comparing options:
Define your savings goals: Decide if you are saving for short-term milestones, wealth accumulation, or long-term financial needs.
Assess your finances: Review your income, dependents and commitments to choose a plan that fits your budget and priorities.
Understand returns and flexibility: Consider if you prefer plans with guaranteed returns, non-guaranteed returns, or both. Guaranteed returns provide stability over a set period. Non-guaranteed returns may vary based on fund performance through bonuses.
Review your protection needs: Consider your lifestyle risks, occupation and existing insurance coverage to ensure your plan provides suitable financial protection.
Choose based on your needs: Select a plan with features, payment options and benefits that support your changing financial goals.
Frequently asked questions
A savings insurance plan focuses on structured savings with protection benefits and may offer guaranteed or non-guaranteed returns. An investment-linked plan ties your policy value to investment funds, with returns depending on market performance and investment choices.
A savings insurance plan and fixed deposit serve different purposes. Savings insurance plans combine savings with life insurance protection. Fixed deposits focus on providing stable interest over a fixed period.
The tax treatment of savings insurance plan payouts depends on the benefit type, policy structure and individual circumstances. Consult a tax professional or the relevant Singapore tax authority for advice specific to your situation.
Terms and conditions apply. Please refer to the respective Product Summaries for specific definitions.
- Applicable to Manulife GrowSecure and RetireReady Plus (III). Provided the policy has been in force for 2 policy years with 2 full annual premium payments and subject to approval by Manulife. Not applicable to single premium policies.
- Applicable to RetireReady Plus (III). Only applies to individual-owned policies and policies where the life insured is aged 64 and below, during the first 5 policy years (for SP policies), during your premium payment term (for RP policies), or before the policy anniversary immediately after his or her 65th birthday, whichever is earlier.
This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC.
This information is intended for general information only and does not constitute financial advice, insurance advice or a recommendation to purchase any insurance product.
Information is correct as of 28 August 2026.
