---
title: "Manulife SG unveils indexed universal life solution for wealth preservation"
description: "Manulife Singapore has launched the Signature Indexed Universal Life Select (III), an indexed universal life solution aimed at high-net-worth individuals for wealth preservation and transfer. The prod"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/237969583.md"
published_at: "2025-04-29T04:06:34.000Z"
---

# Manulife SG unveils indexed universal life solution for wealth preservation

> Manulife Singapore has launched the Signature Indexed Universal Life Select (III), an indexed universal life solution aimed at high-net-worth individuals for wealth preservation and transfer. The product offers a 0% return floor for downside protection and access to five indices, including the S&P 500 and Hang Seng. It features a fixed account crediting rate of 4.2% per annum and an automatic premium spread option to mitigate market fluctuations. From Policy Year 11, policyholders will receive an interest rate of 0.8% per annum and can change the life insured within two years of policy issuance.

**It promises 0% return floor for downside protection.**

Manulife Singapore has launched the Signature Indexed Universal Life Select (III), an indexed universal life (IUL) solution for wealth transfer.

SIULS (III) is designed for high-net-worth individuals (HNWIs) seeking to preserve, grow, and transfer wealth across generations.

It offers access to five indices— the S&P 500, S&P PRISM, S&P GSCI Gold ER Index, Hang Seng, and Euro Stoxx 50. It has a fixed account crediting rate of 4.2% per annum.

It promises 0% return floor for downside protection, which should shield investments against market downturns, Manulife Singapore said.

SIULS (III) also features an automatic premium spread (APS) option, smoothing market fluctuations by distributing index allocations over 12 months.

From Policy Year 11 onwards, policy holders will get an interest rate of 0.8% per annum.

Policyholders also are offered the option to change life insured up to two years after the policy issue date.

### Related Stocks

- [00945.HK - MANULIFE-S](https://longbridge.com/en/quote/00945.HK.md)
- [MFC.US - Manulife Financial](https://longbridge.com/en/quote/MFC.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| 宏利金融簡報：宣佈正常的股票回購計劃，約佔已發行和流通普通股的 2.5% | 宏利金融簡報：宣佈正常的發行人回購計劃，約佔已發行和流通普通股的 2.5% | [Link](https://longbridge.com/en/news/276381436.md) |
| 傳 OpenAI 最新融資有望突破 7800 億，亞馬遜、英偉達等參與投資 | OpenAI 即將完成新一輪融資的第一階段，預計融資額將超過 1,000 億美元，創下紀錄。首輪融資主要來自亞馬遜、軟銀、英偉達和微軟等戰略投資者，預計在本月底前確定投資方案。隨著 OpenAI 計劃進行基礎設施投資，公司整體估值可能超過  | [Link](https://longbridge.com/en/news/276419176.md) |
| 智雲健康 (9955) 發盈警，2025 年度預期虧損擴大至 8.8-9.8 億人民幣 | 智雲健康發出盈利警告，預計 2025 年度淨虧損將擴大至 8.8 億至 9.8 億元人民幣，較 2024 年度的 4.91 億元顯著增加。董事會指出，虧損增加主要因集團推進戰略轉型及業務重組，出售子公司確認大額減值虧損，並就涉及重大訴訟的項 | [Link](https://longbridge.com/en/news/276431220.md) |
| 傳 AMD 將向雲端運算初創 Crusoe 提供逾 23 億貸款擔保 | 超微半導體 (AMD) 將為雲端運算初創公司 Crusoe 提供 3 億美元的貸款擔保，用於採購及部署 AI 晶片。若 Crusoe 無法獲得客户，AMD 將租回其晶片。Crusoe 正轉型為 AI 基礎設施提供商，專注於 AI 雲端及數據 | [Link](https://longbridge.com/en/news/276420524.md) |
| 馬克宏訪印度 著眼百餘架飆風戰機軍售大單 | 法國總統馬克宏將於 17 日至 19 日訪問印度，重點討論人工智慧合作及達梭飆風戰機的採購，預計將討論增購 114 架戰機的合約。此次訪問是馬克宏自 2017 年上任以來的第四次，期間他將與印度總理莫迪會晤，並參加人工智慧高峰會。印度已於  | [Link](https://longbridge.com/en/news/276113483.md) |

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.