Manulife Signature Income II Review

The complete Pros and Cons on Manulife Signature Income II

Receive a lifetime stream of income with just a single premium payment. Manulife Signature Income II is designed to ensure a long-lasting legacy based on values and wealth.

Manulife Signature Income II product details

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  • Life policy – Annuity
  • Premium Payment
    • You can choose to pay a one-time lump-sum in SGD or USD
  • Coverage
    • Be covered against Death and Terminal Illness up to age 120
  • Payouts; up to age 120
    • Enjoy Guaranteed and Non-Guaranteed monthly income
    • You can choose to start receiving monthly income from either the 37th month or 49th month of the policy
    • You can choose to accumulate income for higher returns
  • Guaranteed Acceptance
    • Enjoy guaranteed acceptance with no health checks and no health questions
  • Guaranteed Surrender
    • Get back at least 80% of the premium paid even on the first day of policy starting
  • Policy Transfer
    • You can transfer this policy to your child; leaving a legacy of wealth for him/her

Read about3 Best Retirement Plans and Annuity Policies in Singapore (2023 Edition) *Updated*

Features of Manulife Signature Income II at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: Yes
  • Total Permanent Disability: No
  • Terminal Illness: Yes
  • Critical Illness: No
  • Early Critical Illness: No

Health and Insurance Coverage Multiplier

  • Death: No
  • Total Permanent Disability: No
  • Terminal Illness: No
  • Critical Illness: No
  • Early Critical Illness: No

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to Manulife website. Alternatively, fill-up the form below and let us advise accordingly.

Read about: The Complete Guide to Retirement Planning (2023  Edition) *NEW*

Manulife Signature Income II may be suitable if you are looking for

Manulife Signature Income II may potentially be a good fit if the following matters to you:

  • Lifetime regular cash payout during retirement
  • Saving via a single lump sum
  • A one-time premium commitment with no further cash commitment
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • High guaranteed lump sum upon surrendering of policy
  • To potentially generate higher financial returns compared to bank accounts

Read about3 things to consider before taking up a new financial product

Manulife Signature Income II may not be suitable if you are looking for

Manulife Signature Income II may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Potentially higher financial returns compared to a pure investment product.

Read about: Why should you choose a shorter premium term on your insurance policies

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Further considerations on Manulife Signature Income II

  • How is Manulife or Manulife Signature Income II investment returns based on historical performance?
  • How does Manulife Signature Income II compare with retirement policy from other insurance companies?
  • Can Manulife Signature Income II fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on Manulife Signature Income II. Talk to us or seek advice from a financial adviser before making any decision about Manulife Signature Income II.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

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Choose the starting payout age of your retirement income plan (currently only available for age 65).

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Is Manulife Signature Income II suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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3 easy steps for your customised retirement income plan based on your financial needs.

Step 1: Getting to know you…

Let's start with your personal profile. Please note that your current age and gender will affect the insurance premium payable for your retirement plan.





Step 2: Understanding your retirement needs…

Please select your desired retirement income and the payout age for your retirement plan from the selections below:

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Step 3: Finding the best retirement plans for you! team of financial planners will compare and provide you with the best retirement plans based on your inputs.



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Before you go...
Manulife Signature Income II may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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