Feeling uncertain about your retirement plans? RetireSavvy offers you total flexibility for peace of mind. Start small and adjust your policy along the way as you better understand your needs:

  • Make a premium top-up1
  • Defer your retirement age2
  • Adjust your income payout period2
  • Select your preferred combination of lump sum retirement payment and monthly retirement income by adjusting your retirement income rate2

Find out more about the features and exclusions of this policy.



It’s never too early to start saving for your later years when you have complete flexibility in your hands. Get RetireSavvy today and enjoy these deals when you use promo code ‘3RSSP1’.

Apply now

Policy type

1st year Premium Discount

Single Premium policy 3%
3-year Regular Premium Policy 5%
5-year Regular Premium Policy 10%
10-year Regular Premium Policy 20%

What’s more, earn up to 4.1% p.a. on your DBS Multiplier Account with RetireSavvy. No minimum regular premium amount and earn bonus interest for 12 months consecutively. Find out more.


* Promotion till 9 October 2023. Terms & conditions apply.


Terms and conditions apply, please refer to Product Summary for specific definitions.

1 You must submit the request to Manulife 1 year after the policy effective date and 5 years before the selected retirement age. Please refer to the product summary for more details.

2 You must submit the request to Manulife after the policy effective date and 2 years before the selected retirement age. Please refer to the product summary for more details.


The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

In Collaboration with Manulife

RetireSavvy 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.

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 (www.lia.org.sg or www.sdic.org.sg).

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

POSB Insurance Important Notes

Important Information


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