Signature Indexed Income is an index-linked universal life plan that provides lifetime income. A bespoke plan, it offers unparalleled flexibility to grow your wealth while protecting it from market fluctuations.
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Protection against market volatility
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The above diagram provides a brief illustration on how the policy value for Signature Indexed Income is calculated. Terms and conditions apply. Please refer to the Product Summary for more information about this insurance plan.
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13 Selected policies only
FootnotesThe actual benefits payable and coverage are not guaranteed and are dependent on the actual crediting rates (subject to the minimum guaranteed crediting rate) applied to your policy's Fixed Account and Index Account, actual policy charges and fees (subject to the maximum policy charges and fees) as well as the amount of any additional premiums paid, partial withdrawals made and/or loans taken.
1 For Index Account only: Segment Floor Rate is the minimum rate used to calculate any crediting interest for the Index Account. Segment Cap Rate is the maximum rate used to calculate any crediting interest for the Index Account.
2 At the end of each year from Policy Year 2 to Policy Year 25, 1.46% of the Face Amount is added as Policy Value Booster to the Fixed Account and Index Account based on the prevailing Net Premium Allocation.
The added Policy Value Booster is gradually vested from the start of Policy Year 11 until it becomes fully vested at the end of Policy Year 30. Any Policy Value Booster that is not vested (“Unvested Policy Value Booster”) is subject to forfeiture in the event of withdrawal, reduction in Face Amount, or full surrender of this policy.
Face Amount is a notional value that is equivalent to the Initial Total Planned Premium at policy issuance.
3 Actual monthly income payout will depend on the actual amount, timing and frequency of premium payments, Income Start Year, Net Premium Allocation, actual crediting interest, actual policy value growth, actual charges and fees, selected Automatic Premium Spread option and/or any policy transactions performed. Payment of monthly income is not guaranteed and the actual monthly income payable may vary from any illustrations provided from us to you.
4 The crediting rate for Index Account is calculated based on the 1-year point-to-point performance of the underlying index, excluding dividends, subject to the Segment Floor and Cap Rates set by Manulife.
5 You may pay premiums of any amount at any time up to age 100, within the maximum limits we set. If you have enough cash value in the policy, you may skip a premium payment or stop paying premiums entirely. You may need to pay extra premiums if the actual interest credited is lower than illustrated, if you take a loan, if you make a withdrawal, and/or if the actual policy charges and fees increase. The actual amount and frequency of premium payments will affect the policy value and, potentially, the monthly income and the death benefit, as well as how long the policy is kept in force.
6 Available Income Start Year options depend on the selected planned premium term.
7 Income Start Year can be changed any time after policy inception up to 11 policy months before the prevailing Income Start Year.
8 Account reallocation is allowed after 2 years from issuance. There can only be one active account reallocation request at any point in time.
9 The Policy owner may request to change the life insured after 2 years from the policy issue date. 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.
10 The Policy owner can choose to leave the monthly income to accumulate with Manulife. If you choose to accumulate the monthly income, Manulife will accumulate the monthly income into the Income Accumulation Account (IAA). Interest will be credited to the IAA value at a rate determined by Manulife, currently at 2.00% p.a.. This rate is non-guaranteed and is subject to change with 30 days notice. You can request to withdraw your monies from the IAA at any time, subject to a minimum withdrawal amount of US$500 or the IAA balance, whichever is lower. Any balance in the IAA will be paid out when the policy is terminated. The IAA value does not form part of the policy value.
Standard & Poor’s 500 Composite Stock Price IndexThe S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has 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 Income is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P and 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.
Important NotesSignature Indexed Income 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 material 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).
Information is correct as at 15 Sep 2024.
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