At a Glance

Choice to receive a Target Monthly Income¹ to meet your desired retirement lifestyle

 

Gives you access to a range of professionally-managed funds to suit your portfolio

 

Provides coverage for Death

 

Nothing compares to having the freedom to retire the way you want. Diversify your portfolio and receive your desired Target Monthly Income¹ to live out your intended retirement lifestyle with Manulife SmartRetire, a regular premium investment-linked insurance plan. Through regular investments that averages the costs of funds amid market fluctuations, the plan takes away the need for you to constantly watch the market.

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Features & Benefits

Flexibility

• Choice of Premium Payment Term – For 5, 10, 15 or 20 years
• Choice of Retirement Age – At 55, 60, 65 or 70 years old
• Choice of Retirement Period – For 10, 15, 20, 25 or 30 years
• Choice of professionally-managed funds
• Choice to receive a desired Target Monthly Income¹ or stay invested up to 99 years old

Peace of mind

• Get additional protection with optional Death² and Loss of Independence benefit³, subject to underwriting
• Guaranteed acceptance with no medical check-up required

Make your investment to work harder

• 100% of regular premiums paid will be used to purchase fund(s) units to maximise your investment
• Enjoy a head-start with a Welcome Bonus² of additional fund(s) units
• Be rewarded with a Loyalty Bonus² of additional fund(s) units once every three years
• Unlimited free fund switches

Optional riders

• Get additional protection with optional Death² and Loss of Independence³ benefit (subject to underwriting)

How it Works

How to apply

Footnotes:
¹ At the point of application, the policy requires you to select your Target Monthly Income, which is the sum of Target Monthly Income you aim to receive over the target retirement period starting from your Target Retirement Age. The policy does not offer any guarantee that your selected Target Monthly Income will be achieved. Target Monthly Income is dependent on the actual fund(s) performances meeting the illustrated rate of return.
²Terms and Conditions apply. Please refer to the Product Summary for specific definitions.
³ Diagnosis of the Loss of Independence (LOI) must be confirmed and certified by a medical examiner. Manulife will pay the LOI income as long as you meet the LOI definition. This benefit ends immediately on the date you recover and are no longer in the state of LOI. If you have recovered but lose your independence once more, you are entitled to this benefit again as long as you continue to meet the LOI definition.

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

Information is correct as at 10 December 2018

POSB Insurance Important Notes