Life Insurance Plan - Retirement Income

ManuJoy Annuity

Manujoy Annuity Plan could be one of your retirement solutions. It provides you with a steady stream of guaranteed income each year to better manage your finances after you have retired. This helps you to plan for living the life you love.

Important Note:

ManuJoy Annuity Plan is a long term participating life insurance plan underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as an insurance agent of Manulife.

Key Features

  • Guaranteed annual income for easy financial planning
  • Guaranteed annual income will increase by 3% every year
  • Hassle-free payment- you could pay up ManuJoy in just two years
  • Choose to pay in one lump sum to enjoy a guaranteed interest rate of 4.5% in the first year
  • Protect your family’s future with life protection
  • No medical examination and no health questions

Please see the leaflet for details
Click here to download

How to Apply

  • Contact your DBS Treasures Relationship Manager or visit any of our branches
  • Call to enquire the Manulife Customer Service Hotline at 2510 3383



Important Notes:

  1. ManuJoy Annuity Plan is a long term participating life insurance plan underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (“Manulife”). DBS Bank (Hong Kong) Limited (the “Bank”) is acting as an insurance agent of Manulife.
  2. The below is provided to you in the Bank’s capacity as an authorized institution regulated by the Hong Kong Monetary Authority.
    - ManuJoy is a long-term participating life-insurance plan with a savings element. Part of the premium pays for the insurance and related costs. The savings element is reflected in the cash value and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold this product for the long term to achieve the savings target.
    - Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
    - Risk from cashing in (surrender) early - If you cash in the policy, the amount Manulife will pay is the cash value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy, this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the cash value Manulife projects.
  3. This webpage is only a reference. You should not base solely on this website to make decision on applying for the product. The risks disclosed above are not exhaustive and you should refer to the product leaflet, proposal and policy provision for the risk disclosures and exact terms and conditions and if in doubt, seek independent professional advice.
  4. This webpage is only for use in Hong Kong Special Administrative Region.

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