Manulife Singapore Launches First-in-Market Signature Indexed Universal Life Select (III)

Manulife Singapore has unveiled the Signature Indexed Universal Life Select (III) (SIULS III), a groundbreaking wealth protection and growth solution tailored for today’s uncertain economy. As the first in the market to offer access to five leading global indices, SIULS III empowers high-net-worth individuals (HNWIs) to diversify portfolios, secure robust protection, and build a lasting legacy.

Designed to preserve, grow, and transfer wealth across generations, SIULS III offers exposure to the S&P 500, S&P PRISM, S&P GSCI Gold ER Index, Hang Seng, and Euro Stoxx 50. Policyholders benefit from attractive upside potential while enjoying downside protection through a 0% return floor—safeguarding investments from market downturns.

Comprehensive Coverage and Competitive Returns

Addressing the growing demand for safer, diversified strategies—highlighted in a recent Lombard Odier report—SIULS III delivers a powerful combination of:

• First-in-market access to five global indices, enabling broad diversification with participation rates of up to 100% (subject to a cap rate).
• 0% return floor for built-in downside protection.
• Automatic Premium Spread (APS), which smooths market fluctuations by distributing index allocations over 12 months.
• High loyalty bonuses, offering 0.8% per annum from Policy Year 11 onwards to reward long-term wealth building.
• Comprehensive protection, including benefits for death and terminal illness.

Flexible Wealth Management for the Future

SIULS III stands out with unmatched flexibility, featuring:

• A competitive Fixed Account crediting rate of 4.2% per annum, catering to risk-averse investors.
• Options to change the life insured and adjust premium payments to suit evolving financial goals.
• Penalty-free withdrawals starting from Policy Year 11.
• Customisable premium allocations between Fixed Index Accounts and up to three indices at any time through the Account Reallocation option—ensuring continued adaptability in shifting markets.

With whole life coverage and future-proofed design, SIULS III offers a dynamic approach to safeguarding and growing wealth through all economic cycles.

Discover more about Manulife Signature Indexed Universal Life Select (III) here.