Signature Income. A cascading legacy that flows through every generation.

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1 Signature Income A cascading legacy that flows through every generation.

2 A financially sound partner that s here to stay Our financial strength is reflected in our substantial capital base, our financial ratings awarded by independent rating agencies, and our strong asset performance. Financial Strength: S&P: AA- Moody s: A1 Fitch: AA-

3 Established since 1887 Global headquarters in Toronto CAD $1+ trillion in total assets worldwide (as of 31 March 2018) 26+ million customers worldwide (as of 31 December 2017) Asia s trusted insurer since 1897 Operating in 12 Asian markets Established in Singapore in 1980 Classified by Monetary Authority of Singapore as a Tier 1 insurer ^ 293% Capital Adequacy Ratio (CAR) in Singapore as of December 2017, which is well above legislated requirements ^ Under MAS regulations, Tier 1 insurer refers to an insurer incorporated in Singapore and has total assets of at least $5 billion or its equivalent in any foreign currency.

4 A legacy of values and wealth should be long-lasting. Manulife Signature Income is designed to help your legacy last beyond your generation with a single premium payment.

5 Features designed for a long-lasting legacy Single premium One time premium, for a lifetime of income1 from 5th policy year up to age 99 Coverage2 Whole life coverage on Death and Terminal Illness up to age 99 Flexible payouts Receive lifetime yearly or monthly income1 payouts to supplement your lifestyle Choose your currency Freedom to pay your premium in USD or SGD, whichever works in your favour Option to accumulate income payouts for higher returns3 Guaranteed Day 1 Surrender Value Your policy has cash value from day 1, at 80% of your single premium From one generation to the next Policy can be transferred4 to your next generation to enjoy its benefits Hassle-free application No health questions will be asked Change of life insured5 (For corporate policy only) Have the option to change the life insured over to another valuable employee

6 One plan for three generations Parent Child Grandchild able to transfer⁴ policy to... able to leave inheritance for... One time premium, for a lifetime of income¹ from 5th policy year up to age 99 Regular income¹ payouts provide long term financial stability Receives lump sum Death Benefit⁷ as beneficiary Regular income¹ payouts fund lifestyle or healthcare needs Has the option to accumulate income payouts for higher returns³ Able to transfer⁴ policy to child Has the option to accumulate income payouts for higher returns³

7 Mr Tanoto, aged 45, purchases Signature Income with his 15 year old daughter Pauline as the life insured. I want a solution that plans my legacy for 3 generations. At age 65, Mr Tanoto transfers the policy to his daughter, Pauline Parent, 45, Mr Tanoto At age 80, Pauline passes away, leaving an inheritance behind for her daughter Joanne At age 45, Mr Tanoto pays a one-time single premium of S$499,800 Child, 35, Pauline Grandchild, Joanne At age 50, Mr Tanoto receives an income of S$1,470⁶ monthly to fund his lifestyle and pay his healthcare bills Total for 16 years: S$282,240 From age 36, Pauline continues to receive an income of S$1,4706 monthly for the rest of her life Total during her lifetime: S$776,160 Joanne receives an inheritance of Total: S$1,996,200⁸ In total, Mr Tanoto and his family would have received S$3,054,600 from this policy at 6.1x of the Single Premium Illustrated figures are rounded to the nearest dollars. Diagrams are only for illustrative purposes and not drawn to scale. The values in the above illustration are based on illustrated investment rate of return of 4.75% p.a. Based on an illustrated investment rate of return of 3.25% p.a., the values are: Mr Tanoto s monthly income at age 50 = S$966⁶ / Total for 16 years = S$185,472 Pauline s monthly income at age 36 = S$9666 / Total during her lifetime = S$510,048 Joanne s inheritance = S$1,083,926⁸ Total received by family = S$1,779,446, at 3.6x of the Single Premium

8 One plan for two generations Parent Child able to leave inheritance for... One time premium, for a lifetime of income1 from 5th policy year up to age 99 Receives lump sum Death Benefit⁷ as beneficiary Lifetime passive income¹ funds lifestyle or healthcare needs Has the option to accumulate income payouts for higher returns³

9 Mr Singh, aged 45, purchases Signature Income on his own life. I want a solution that provides regular income to supplement my lifestyle. At age 80, Mr Singh passes away, leaving an inheritance behind for her daughter, Karen Parent, 45, Mr Singh At age 45, Mr Singh pays a one-time single premium of S$499,800 Child, Karen At age 50, Mr Singh receives an income of S$18,214⁶ per year to fund his lifestyle and pay his healthcare bills Total for 30 years: S$546,420 Karen receives an inheritance of S$856,447⁹ In total, Mr Singh and his family would have received S$1,402,867 from this policy at 2.8x of the Single Premium Illustrated figures are rounded to the nearest dollars. Diagrams are only for illustrative purposes and not drawn to scale. The values in the above illustration are based on illustrated investment rate of return of 4.75% p.a. Based on an illustrated investment rate of return of 3.25% p.a., the values are: Mr Singh s yearly income at age 50 = S$12,040⁶ / Total for 30 years = S$361,200 Karen s inheritance = S$650,820⁹ Total received by family = S$1,012,020, at 2.0x of the Single Premium

10 Product footnotes 1. Signature Income provides monthly or yearly income from 5th policy year until the Life Insured reaches age 99 or until the termination of the policy, whichever is earlier. Income payout consists of guaranteed and non-guaranteed portion. Monthly income is payable starting from one month after the 4th policy anniversary until policy maturity. Yearly Income is payable starting from 5th policy anniversary until policy maturity. 2. Terms and conditions apply. Please refer to Product Summary for specific definitions. 3. The monthly or yearly income can be accumulated with Manulife at the prevailing interest rate. The interest rate is subject to change by Manulife with 30 days advance notice to the Policy Owner. 4. Transfer of policy ownership via assignment is allowed anytime while the policy is in force. The assignee must be at least 18 years old. 5. Policy Owner may request to change the Life Insured after 2 years from the Policy Issue Date and must have an insurable interest on the new life insured at time of change. Acceptance of the new Life Insured is at Manulife s sole and absolute discretion and will depend upon the insurability of this new Life Insured, as well as other Terms and Conditions as Manulife shall determine from time to time. For more details, please refer to the Product Contract. 6. Total monthly or yearly income consists of guaranteed and non-guaranteed portion. The non-guaranteed monthly or yearly income is based on illustrated investment rate of return of 4.75% or 3.25% per annum for the participating fund. The actual benefits payable may vary according to the future performance of Manulife s Participating Fund. 7. If the life insured dies before age 99, the sum of the following will be paid in one lump sum: a. 105% of the single premium; b. Non-guaranteed claim bonus (if any); and c. Any accumulated monthly or yearly income with interest (if any). 8. The total death benefit of S$1,996,200 consists of the guaranteed death benefit of S$524,790 and a non-guaranteed death benefit of S$1,471,410 calculated based on illustrated investment rate of return of 4.75%. Based on an illustrated investment rate of return of 3.25%, the total death benefit of S$1,083,926 consists of the guaranteed death benefit of S$524,790 and a non-guaranteed death benefit of S$559, The total death benefit of S$856,447 consists of the guaranteed death benefit of S$524,790 and a non-guaranteed death benefit of S$331,657 calculated based on illustrated investment rate of return of 4.75%. Based on an illustrated investment rate of return of 3.25%, the total death benefit of S$650,820 consists of the guaranteed death benefit of S$524,790 and a non-guaranteed death benefit of S$126,030. Important Notes Signature Income is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No D). 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 brochure 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 in the policy contract. If there are any differences between the English, Chinese and Bahasa Indonesia versions of this brochure, the English version will apply. We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors, or visit any DBS/POSB Branch, before making a commitment to purchase a policy. All information is correct as of 10 December 2018.

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12 A sound legacy starts with finding the right plan. We re happy to help. Contact us now at (65) or visit manulife.com.sg/signatureincome