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Life
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Bancassurance
Not sure what kind of protection you need?

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Protection

Securing your legacy for generations to come

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Why you should get it?

Guaranteed minimum crediting interest

Crediting interest guaranteed at minimum 1.0% p.a.

Transparency in cost of insurance charges

Capped at 110% of current rates.

Additional guaranteed loyalty bonus crediting interest

Enjoy additional guaranteed loyalty bonus from policy year 11 onwards.

Free partial withdrawals

Allowed without incurring surrender penalties or reducing the face amount

Flexible changes to your life insured

Unlimited changes if policy owner is a corporation and allowed twice if policy owner is an individual.

6 Underwriting risk classes

Enjoy lower policy charges if you qualify for a preferential risk class.

Enhance your wealth and distribute it according to your wishes

Illustration

Mr. Daniel, 50, wants to pass down his wealth fairly to his children while ensuring that he has adequate retirement funds. Mr. Daniel pays a single premium of US$350,000 for US$1 million of death coverage under Signature Heirloom (V).

Provides you with the liquidity to divide your estate equally without affecting business

Illustration

Mr. Adam, 55, wants to pass his wealth on fairly to his children, while making sure that his child takes over his business and receives enough resources to continue growing the business after his death. He pays a total of US$2 million over five years for US$5 million of death coverage under Signature Heirloom (V).

Helps you spread out your investment and achieve the right balance in your portfolio

Illustration

Sarah inherited her wealth from her family. Their assets include local and overseas properties, shares and bonds, as well as investments in various businesses. Sarah is also an avid collector of works of art, fine jewellery and antiques. She decides to use Signature Heirloom (V) as a financial tool to help spread out her portfolio.

Protection for your valuable employees to ensure your business continuity

Illustration

Mr. Adam’s employee Mark, 57, has valuable business contacts. If anything happens to Mark, Mr. Adam will need time to find a suitable replacement and his business may be negatively affected. As a corporate policy owner, his company buys a US$1.5 million Signature Heirloom (V) policy for US$5 million of death cover, with Mark as the life insured. After Mark retires three years later, Mr. Adam can change the life insured of the policy to John, who will replace Mark.

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Important Information

Terms and conditions apply.
The product information here is for general information only and is not to be construed as a contract of insurance and no consideration has been given to the particular circumstances or needs of any person. You are advised to refer to product brochure, Benefit Illustration and policy contract for precise terms, conditions, definitions and exclusions of this plan.
Buying a life insurance policy is a long term commitment and as such it is not advisable to hold the policy for a short period of time in view of the high initial cost. If you terminate your policy in the early years, you may get back less than the amount you have paid.
You should satisfy yourself that this plan will best suit your needs and you have been advised by an Authorised Financial Representative before committing to buy the plan.
Please be informed that there may be disadvantages and implications that will affect your life insurance if you are switching from one type of plan to another or from one insurer to a product of another insurer that offers similar benefits.
You will be given a “Free-Look Period” of 14 days to review the suitability of your newly purchased insurance plan from the receipt date of the policy contract. If you return the policy contract to MILL during this period, total premiums paid without interest (less any policy debt and medical examination fees which may have been incurred) will be refunded to you and the policy shall be cancelled.
Signature Heirloom (V) is underwritten by Manulife Insurance Labuan Limited (LL13865), a company licensed under the Labuan Financial Services and Securities Act 2010 (License No. IS2017173) and regulated by Labuan Financial Services Authority.

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