A legacy plan to grow your wealth
Ability to pass on your wealth over multi-generations seamlessly
Freedom to access cash value as needed
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Wealth accumulation and distribution over multi-generations
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Footnotes1 If the life insured passes on, the following will be paid in one lump sum:The higher of(a) 105% of total premiums paid; or(b) sum of 101% of guaranteed surrender value of basic plan, 101% of surrender value booster benefit, accumulated reversionary bonus and claim bonus, if any,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).
2 Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The assignee must be at least 18 years old.
3 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 the new life insured, as well as other terms and conditions as Manulife shall determine from time to time.
4 Reversionary, claim and surrender bonuses are non-guaranteed and depend on the experience of the participating fund including but are not limited to the investment performance, expenses, claim experience, lapse and surrender experience, future outlook of the participating fund performance and economic conditions. These bonuses form a significant component of the non-guaranteed benefits. Adjustments to these bonuses may significantly affect the death benefit, surrender benefit and/or maturity benefit. There is no maximum limit by which the bonuses may be changed.
5 If the policy owner surrenders the policy while it is in force, the sum of the following will be paid in one lump sum:(a) guaranteed surrender value;(b) non-guaranteed surrender value of accumulated reversionary bonus (if any);(c) non-guaranteed surrender bonus (if any); and(d) surrender value booster benefit (if any),less any amount owing to Manulife.
Surrender value booster benefit is a non-participating embedded benefit to the plan. When the policy owner surrenders the policy, it ensures that the total surrender value paid is at least 80% of the single premium (for single premium plan); or at least a certain percentage of the sum insured (for regular premium plan) before deducting any amount owing to Manulife.
6 Policy owner may request to withdraw surrender value of accumulated reversionary bonus partially. Any bonus withdrawal will reduce the long-term value of the plan.
7 If the life insured is alive on the benefit end date of basic benefit which is 180 years from the policy start date, and the policy is still in force, Manulife will pay the maturity benefit which is the sum of the following:(a) guaranteed surrender value;(b) accumulated reversionary bonus (if any); and(c) non-guaranteed surrender bonus (if any),less any amount owing to Manulife.
The policy will end on the benefit end date of basic benefit.
Signature Legacy Growth (USD) 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 07 Jul 2024
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