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Securing your legacy for generations to come




Why you should get it?

Crediting interest guaranteed at minimum 1.0% p.a.

Capped at 110% of current rates.

Enjoy additional guaranteed loyalty bonus from policy year 11 onwards.

Allowed without incurring surrender penalties or reducing the face amount

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

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

Enhance your wealth and distribute it according to your wishes



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).

  1. Terms and conditions apply.
  2. 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. 
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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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