Looking for options to grow your wealth amidst the slowdown in rate hikes? Usher in the Year of the Dragon with SavvyEndowment 15!

SavvyEndowment 15 is a 1-year endowment plan that offers you a savvy way to grow your returns, while providing coverage in the event of death. Start from a low single premium commitment amount of just S$5,000.

Earn returns of up to 3.32% p.a.1 in just 1 year

  • 100% capital guaranteed3 after 1 year
  • Receive guaranteed maturity yield of 3.12% p.a.1
  • Plus, get non-guaranteed maturity yield of up to 0.20% p.a.1

    Any early termination of the policy before 1 year can incur costs and the surrender values payable (if any) may be less than the total premiums paid. Find out more at POSB Insurance Important Notes.

Receive 101% of the single premium that you paid in the event of death during the 1-year policy term

Please refer to the Sample Policy Contract for the precise terms, conditions and exclusions.

Get this plan



Grab these deals!


CNY Flash Deal: Get S$20 eCapitaVouchers2 with a single premium amount of at least S$10,000

Only from 1 February to 29 February 2024


  • Manulife’s appointed vendor will send your eCapitaVouchers to you via email within 5 months from your policy issue date
  • You will receive only one S$20 voucher regardless of the number of policies purchased during the promotion period

Earn up to 4.1% p.a. on your DBS Multiplier Account

Use SavvyEndowment 15 as one of your eligible transactions to unlock bonus interest with the DBS Multiplier Account and earn up to 4.1% p.a. on your savings. Find out more.



1 The illustrated maturity yield of 3.32% p.a. includes a non-guaranteed maturity bonus of 0.20% p.a. based on the higher illustrated investment rate of return (IIRR) of 4.14% p.a.. The non-guaranteed maturity bonus will be 0.20% of the single premium.

Based on the lower IIRR of 3.00% p.a., the illustrated maturity yield is 3.12% p.a.. The non-guaranteed maturity bonus will be zero.

As the maturity bonus rate and both IIRRs are not guaranteed, the actual benefits payable will vary according to the future performance of the Participating Fund of the policy. Figures are subject to rounding.

2 Promotion till 29 February 2024. Terms and conditions apply.

3 Not applicable to policies that have been altered.

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

SavvyEndowment 15 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

Terms and Conditions Governing SRS

Deposits Insurance Scheme

Information is correct as at 15 February 2024.


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