Singapore’s high-net-worth community has a new favourite in income planning: Manulife Signature Indexed Income. Launched by Manulife Singapore, this first-in-market innovation combines the stability of universal life insurance with the upside of market-linked returns—without sacrificing flexibility or legacy planning.
A New Take on Income Solutions
This plan stands out by offering lifetime income payouts tied to the S&P 500 Index, along with a 0% floor crediting rate and guaranteed surrender value, which protects against market downturns. The goal? Allow clients to benefit from market growth without exposing themselves to its full risks.
Key features include:
- Flexible premium payment options: single or planned annual contributions up to 10 years.
- Customisable income start as early as the second policy year.
- Switchable premium allocation between fixed and indexed accounts throughout the policy term.
- What Wealthy Clients Value
- According to a Manulife-commissioned study:
- 73% of HNWIs are interested in indexed universal life plans with monthly payouts.
- 55% prioritise income customisation in insurance products.
- 57% look for protection against poor market performance.
Signature Indexed Income answers all of the above—plus it introduces the Automatic Premium Spread feature, distributing premium allocation over 12 months to smooth out volatility.
Built for Today, Designed for Tomorrow
More than just an income plan, this policy is structured to facilitate multi-generational wealth transfer. Policyholders can:
- Assign ownership,
- Change the insured life,
- Nominate beneficiaries for a seamless legacy.
It also offers whole life coverage, including terminal illness protection, and comes with guaranteed acceptance, no health questions asked.
Why It’s Gaining Ground
Since its launch, the plan has attracted strong interest among affluent individuals and HNWIs, reinforcing its positioning as a versatile tool for portfolio diversification, wealth preservation, and income generation.
To explore the benefits or calculate a tailored plan, visit manulife.com.sg.