ManuProtect Term (II)
Affordable and customisable term life plan with coverage up to age 85
About this plan
ManuProtect Term (II) is a regular-premium term life insurance plan in Singapore that provides coverage against death and terminal illness for a specified period. It offers affordable financial protection with lower premiums than whole life plans because it focuses on protection without a savings or investment component.
Why should you get it?
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Coverage that fits your needs Customise your term life insurance plan by selecting the coverage period and protection options that best match your financial goals and needs.
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Guaranteed coverage renewal up to age 85¹ For 5-year and 10-year policy terms, you can renew your coverage until age 85 without a medical examination or proof of insurability.
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Flexibility to convert to lifetime protection Enjoy the flexibility to convert your term life insurance plan into a whole life plan while your policy is in force, without additional medical underwriting.
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Lower premiums when you quit smoking² Smokers can enjoy non-smoker premium rates for the first three policy years and continue to qualify if they successfully quit smoking during this period.
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Enhance your coverage with optional riders Add extra protection for total and permanent disability, critical illness, or premium waiver benefits to meet your changing needs.
Extra Savings on Your Protection Plan
Get covered today and enjoy an 8% perpetual premium discount on the base plan and Total and Permanent Disability Plus Rider (II). T&Cs apply.
Learn more about ManuProtect Term (II)
Choose a coverage period
Get protection against death and terminal illness during your policy term
Renew eligible plans without a medical check-up
Convert to a whole life plan later if your needs change
ManuProtect Term (II) may be suitable for you if you:
Are starting your career or family and want affordable life insurance coverage during key life stages.
Have financial commitments, such as a home loan or your children's education, and want to help protect your loved ones if the unexpected happens.
Need coverage for a specific period that matches your financial goals or responsibilities.
Want flexibility with the option to renew your coverage or convert it to an eligible whole life insurance plan in the future, subject to the policy terms and conditions.
Frequently asked questions
Buying term insurance early may help you secure protection while your financial responsibilities are still growing. As highlighted by Manulife Singapore, purchasing life insurance when you're younger and in good health may allow you to lock in lower premiums for a period of time, depending on your age and health at application. It can also help provide financial protection for future commitments, such as starting a family, buying a home, or supporting loved ones if your circumstances change.
Choose a coverage period that aligns with how long you expect to have significant financial responsibilities. Manulife Singapore suggests considering factors such as your current age, whether you have dependants, and existing financial commitments like a mortgage. You may also want to think about how long your loved ones would need financial protection and whether your insurance needs may change over time.
ManuProtect Term (II) provides a lump sum benefit if the life insured passes away or is diagnosed with a terminal illness during the policy term, subject to the policy terms and conditions. This financial support can help your loved ones manage ongoing expenses, outstanding financial commitments, or maintain their standard of living during a difficult time.
Terms and conditions apply. Please refer to the respective product summaries for more information.
Premiums will be based on the life insured’s age at the point of renewal. Not available for Level and Convertible.
Applicable for sum insured of S$500,000 and above. Non-smoker premium rates will continue from the 4th policy year upon satisfactory evidence that the life insured has stopped smoking being provided. Not available for Renewable and Convertible.
Terms and Conditions apply. Please refer to the respective product summary for more information.
ManuProtect Term (II) and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. This policy has no cash value. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. 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(s) in the policy contract. If there are any differences between the English and Chinese versions of this brochure, the English version will apply.
This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors, before making a commitment to purchase a policy.
Information is correct as of 16 August 2020.
