Heirloom (VI)

Your life is filled with many successes, and perhaps your next milestone would be to leave a successful legacy for your loved ones. What you've built should last through the generations. Enhance your legacy with Heirloom (VI), a universal life insurance plan denominated in US dollars. It offers the benefits of high insurance coverage and cash value accumulation.

Key Features:
Coverage

Legacy Planning

Distribute your wealth according to your wishes

Coverage

Estate Liquidity

Helps you to divide your estate equally

Coverage

Portfolio Diversification

Spread out your investment

Coverage

Business Continuity

Protect your most valuable employees

Coverage

Loyalty Bonus

Loyalty bonus1 at 0.25% per year

Coverage

Capped Premium Rates

Cost of insurance charges capped at 110% of current rates

Coverage

Flexibility

Flexible premium payments2 and partial withdrawals3

Coverage

Quit Smoking Incentive

Enjoy non-smoker premium rates when you quit smoking.4

Brandan Chen

Financial Planner

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Important Notes & Footnotes

Important notes
Heirloom (VI) and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be zero or less than the total premiums paid.
This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.
Information is correct at the time of publishing.
Footnotes
  1. Enjoy an additional guaranteed loyalty bonus of 0.20% p.a. from policy year 11 to 20, and 0.25% p.a. from policy year 21 until immediately before the policy anniversary after the Life Insured's 100th birthday.
  2. You may pay premiums of any amount at any time before age 100, within the maximum limits we set. If you have enough cash value in the policy, you may skip a premium payment or stop paying entirely. You may need to pay extra premiums if the actual interest we pay you is lower than shown, if you take a loan, if you make a withdrawal or the actual charges are higher. The actual amount and frequency of premium payments will affect the policy value and potentially the death benefit as well as how long the policy is kept in force.
  3. On the condition that the withdrawals made from 11th policy anniversary onwards and the total withdrawal amount in a particular policy year does not exceed 5% of the policy value at the previous anniversary after monthly deductions.
  4. Applicable to standard or preferred smoker, without any additional ratings. This quit-smoking incentive allows you to benefit from standard non-smoker policy charges for the first three policy years. If, by the end of policy year 3, you give satisfactory medical evidence that you have quit smoking for at least 12 months in a row, we will reclassify your policy and use the standard non-smoker rates from then on.

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