Harvest Saver (2-year Premium, 3-year Maturity)

Are you looking to build wealth while securing returns even in market volatility? Harvest Saver offers a guaranteed return, allowing you to achieve your financial goals with ease. Moreover, this plan provides life protection throughout the policy term.

Product Features

Guaranteed maturity return in 3 years

Life protection for peace of mind

Easy application with simplified underwriting

The policy currency of this insurance plan is in US dollar (USD). Please refer to the product materials below for details.

Latest promotion

Eligibility

Frequently asked questions

Latest promotion
	Promotion period: From 4 February 2026 till 3 March 2026 (Limited quota^{^}) Apply for Harvest Saver (2-year Premium, 3-year Maturity) and prepay all future premiums upon application to enjoy 3.8%* guaranteed annualized rate of return upon maturity in the 3^rd policy year!

Latest promotion

Promotion period: From 4 February 2026 till 3 March 2026 (Limited quota^{^})

Apply for Harvest Saver (2-year Premium, 3-year Maturity) and prepay all future premiums upon application to enjoy 3.8%* guaranteed annualized rate of return upon maturity in the 3^rd policy year!

How to Apply:

Please log in to DBS digibank HK > go to the “More” menu > click into “Insurance” > select “Harvest Saver”; or

Enter the invitation link below in your mobile browser.
godbscom/hk-ste
You will be directed to the login page of DBS digibank HK. Proceed to log in to your account.

Start your online application for Harvest Saver now! Note: For illustrative purpose only, please refer to the application process for final content.

If you are not a DBS banking customer yet, please visit our DBS branch or learn more via go

dbs

com/hk-vao-en .

Product materials:

Product leaflet

Promotion offer leaflet

Policy provisions

Do you have other financial planning needs?
For example, planning for future wealth transfer to your family, setting up education plans for your children, or expanding your protection coverage.

Contact your DBS relationship manager or visit our DBS branch now to plan your financial journey. After completing a financial needs analysis, you can even enjoy appointment privileges up to up to HK$238! Terms and conditions apply.

^*Please refer to the promotion offer leaflet and Important Note #4 for details. Please note you are required to prepay all the future premium when you apply for this policy online.
^{^}This plan is a limited offer and acceptance of your policy application is subject to product availability at the time of application. Manulife reserves the right to withdraw the offer of Harvest Saver at any time without notice, as well as reserves the right to accept or decline any application.

Important Notes:

Harvest Saver is a non-participating life insurance plan underwritten by Manulife (International) Limited (‘Manulife’).

DBS Bank (Hong Kong) Limited is acting as a licensed insurance agency of Manulife.

Harvest Saver is an insurance plan and is neither a bank deposit nor a bank saving plan.

The guaranteed annualized rate of return upon maturity is the rate calculated based on the cumulative premiums paid including premium dump-in (reflected premium discount) (in policy currency) and the guaranteed maturity amount you will receive (in policy currency). The guaranteed annualized rate of return is for reference only.

This product is a limited offer and acceptance of your policy application is subject to product availability at the time of application. Manulife reserve the right to withdraw the offer of Harvest Saver at any time without notice, as well as reserve the right to accept or decline any application.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between DBS Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, DBS Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer.

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 of the product, and if in doubt, seek independent professional advice.

This webpage is only for use in Hong Kong Special Administrative Region.

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