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About Protection Plans
At a Glance
It’s very important to have adequate coverage for your loved ones, as well as your assets. Although many of us believe that we are financially prepared for any unpleasant surprises, it may not be enough.
According to the Protection Gap Study 20121, commissioned by the Life Insurance Association (LIA), the average protection gap of a Singaporean is S$242,500!
To get you started, let’s take a look at what are some of the key protection needs you should consider:
We can help you address this protection gap and ensure your precious ones and important assets are safeguarded with these plans:
|ManuProtect Term (II) |
Protect yourself, your loved ones and your home.
|ManuProtect Decreasing (II) |
Take care of your loved ones by ensuring your home loan is covered.
|ManuProtect MoneyBack - Full refund of premiums |
Get back all the premiums you paid upon policy maturity.
|LifeReady Plus |
Get yourself covered at every stage of life with LifeReady Plus.
|Critical SelectCare |
Be covered for selected critical illnesses and additional coverage for special conditions.
1 This study was commissioned by the Life Insurance Association (LIA) of Singapore and conducted by Towers Watson. Click here to view the source.
2 This is based on a standard life of a non-smoking male, age 30, who bought ManuProtect Term with a Sum Insured of S$600,000 and a policy term of 30 years. Premiums are rounded to the nearest cent.
3 Choice of Minimum Protection Benefit (MPB) factors of 1X, 2X or 3X the Sum Insured for all eligible entry ages from 15 days old up to 60 years. The maximum entry age will vary with the selected premium payment term.
The MPB factor must be selected at application and cannot be changed by the Policy Owner thereafter. Where the MPB factor chosen is 2X or 3X the Sum Insured, Life Insured enjoys higher guaranteed coverage for TPD up till the Policy Anniversary immediately after the 65th birthday of the Life Insured and for death and TI up till age 70. After age 70, the policy pays the Sum Insured plus any non-guaranteed bonuses less any amount owning to Manulife.
For TPD, guaranteed coverage is only up till the Policy Anniversary immediately after the 65th birthday of the Life Insured.