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A participating whole life insurance income plan that gives you yearly income

Manulife IncomeSecure, a whole life insurance income plan that provides yearly income that last for generations, starting from as early as end of policy year 3.
Enjoy lifetime yearly income from the end of Policy Year 3, Year 5, or Year 10, up to age 120
Be covered against death and terminal illness till age 120
Get peace of mind as future premiums are waived & coverage will continue if the unfortunate happens
Manulife IncomeSecure
A participating whole life insurance income plan that gives you yearly income
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Overview
Overview
Benefits
How it works
Apply now
More benefits
How to claim

Features & Benefits

Regular Stream of Income

  • Enjoy lifetime yearly income1 up to age 120, from the end of Policy Year 3 (for premium payment term of 5 years) or from the end of Policy Year 5 or 10 (for premium payment term of 10 years).
  • Watch your yearly income1 step-up over time, based on premium payment term and income payout year selected.

Flexibility

  • Choose between premium payment term of 5 or 10 years.
  • Change of Life Insured (COL)2 option allows you to change the life insured to your loved ones.

Peace of Mind

  • Be covered against death and terminal illness to age 120
  • Get a premium waiver upon total and permanent disability during your premium payment term, while your coverage continues
  • Get an extra lump sum payout3 when faced with a terminal cancer diagnosis, providing support to you during this difficult time

Easy Application with No Health Check-up

  • Guaranteed acceptance with no health questions asked

How it works

Kindly refer to the product brochure for a detailed guide on how Manulife IncomeSecure works.

Apply now

Have questions about investing? Speak to your Wealth Planning Manager today.
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Earn bonus interest on your POSB Multiplier Account with all Manulife protection or endowment plans distributed by POSB.
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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How to claim

Please visit Manulife’s claim portal for the list of documents required and to submit your claims.
Learn more

Footnotes

Footnotes

Terms and conditions apply. Please refer to Product Summary for more information about this insurance plan.

1 Yearly income consists of guaranteed and non-guaranteed yearly income.

2 After 2 policy years, the policy owner may request to change the life insured up to 2 times during the policy term. Subject to insurable interest and any other terms and conditions as set out in the policy contract.

3 In the event the life insured is diagnosed with terminal cancer before the policy anniversary immediately aſter his or her 75th birthday 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, the most recent date Manulife approved the change of life insured or 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:
a. 50% of annual mode premium for 5-year premium payment term.
b. 100% of annual mode premium for 10-year premium payment term.

This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 2 Jan 2024.

 

In Collaboration with Manulife

Manulife IncomeSecure is 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 value 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 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 Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 2 Jan 2026.

POSB Insurance Important Notes