At a Glance

Choose your Guaranteed Monthly Income amount and income payout period


Choose your desired Retirement Age from 50 to 70 years old


Enjoy added assurance of Disability Income Benefit and Terminal Cancer Benefit

Look forward to spending your leisure years worry-free with Manulife FlexiRetire, a retirement insurance plan that brings greater flexibility and protection to ensure your retirement is secured and comfortable, always.


Features & Benefits

Retirement Income Choice of Guaranteed Monthly Income1 (GMI) starting from S$250 at your selected retirement age
Retirement Age Choice of Retirement Age2 from 50 to 70 years old
Premium Payment Term Choice of preferred Premium Payment Term – single premium, 5, 10, 15 or 20 years
Total and Permanent Disability All future premiums will be waived in the event of Total and Permanent Disability - applicable to regular premium policies only
Disability Income Benefit Disability Income Benefit3 upon diagnosis of any prescribed disability conditions or illnesses
Terminal Cancer An additional lump sum payout upon diagnosis of Terminal Cancer4
Payment Option Available in cash for all premium payment terms, or Supplementary Retirement Scheme (SRS) for single premium and first party policies only
Add-on Coverage Enhance your coverage with optional riders for regular premium policies

How it Works

Terms and conditions apply, please refer to Product Summary for more details.

The Guaranteed Monthly Income (GMI) is paid out as part of the retirement income benefit over the selected income payout period.

The earliest retirement age option might be later than 50 years old, depending on the life insured's entry age and premium payment term selection. For example, the earliest retirement age options available for a life insured with entry age 60 years old are: 65 years old (for Single Premium), 67 years old (for 5-Pay), or 70 years old (for 10-Pay).

The disability income benefit is equivalent to 100% of the GMI, capped at a maximum of S$4,000 per month per policy. It is payable from the next retirement income benefit payment date, aſter the end of the deferment period (90-day period from the claim date, inclusive of claim date).

In the event the life insured is diagnosed with terminal cancer during policy term and survived for at least 7 days from the date of diagnosis, subject to 1-year waiting period, commencing from the policy issue date or the date of the most recent policy reinstatement (whichever is the later), Manulife will pay an additional lump sum amount depending on the chosen premium payment term, which is equivalent to

  1. 10% of single premium for single premium policy; or
  2. 50%/100%/150%/200% of annual mode premium for 5/10/15/20 years premium payment term respectively.


In Collaboration with Manulife

Manulife FlexiRetire and its supplementary benefits are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable may be less than the total premiums paid.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the 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 Manulife or visit the Life Insurance Association or SDIC websites ( or

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 20 August 2023

POSB Insurance Important Notes


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Get more Benefits

Earn bonus interest on your Multiplier Account with all Manulife protection or endowment plans distributed by POSB. Find out more.

  • No minimum regular or single premium amount
  • Pay with cash or SRS^
  • Earn bonus interest for 12 months consecutively

^Selected policies only


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