PROTECTION UP TO 3X THE COVERAGE
FOR ALL ELIGIBLE ENTRY AGES
The power to choose,
the power to multiply
• Critical Care Enhancer Rider accelerates the Death
Benefit of the base plan upon the diagnosis of any of
the 36 covered critical illnesses9 and while the Rider is
in-force. The Rider also provides coverage for the Life
Insured’s child with the additional Serious Illness of a
Child Benefit10 with no underwriting required on the
child and no additional premiums payable. Under this
Child Benefit, a lump sum amount of $10,000 per child
up to $20,000 per policy will be payable in the event that
the child is diagnosed with any of the 36 covered critical
illnesses.
You and your family deserve the very best in life. You want to ensure your loved ones’ needs are taken care of and
that they enjoy long-term financial security. However, you cannot always avoid unpleasant surprises, and sometimes
misfortunes in life. If you are not well prepared, your family will be left helpless. This is why you need a sound
protection plan that assures lifetime security for added peace of mind.
ManuProtect Life is a whole of life plan designed to provide a guaranteed payout of up to 3 times (“X”) your selected
sum insured in the event of loss of life, Terminal Illness (TI1) and Total and Permanent Disability (TPD2).
Choice of Guaranteed Coverage
– Up to 3X the Sum Insured
To cater to varying levels of protection needs, ManuProtect Life
offers a choice of Minimum Protection Benefit (MPB3) factors
1X, 2X or 3X your selected sum insured. If you choose 2X or
3X the sum insured, you will enjoy higher guaranteed coverage
and good value for money. If you are the sole breadwinner, the
higher coverage will be essential to ensure financial stability for
your family.
Eligible entry age6
(last birthday)
15 days old
to 60
MANUPROTECT LIFE
MPB Factors – 3 Choices
3X
2X
1X
The guaranteed protection coverage of 2X and 3X the sum
insured is up till age 704. Thereafter, your protection amount
is the sum insured plus any attaching bonuses5 as the policy
builds up cash value over time.
The table below shows how the MPB factor applies for a sum
insured of S$100,000.
Cash Value Accumulation
While enjoying lifetime protection, ManuProtect Life
accumulates cash value over time, so the earlier you get
protected, the lower the premium and the more cash value
it builds.
The multiplier effect will be the same as the base plan,
which means for all eligible entry ages, the MPB factor
can be as high as 3X the sum insured. What’s more, if you
choose the limited premium payment term for the base
plan, it will apply to the Rider as well.
• Critical Care Complete Rider (I)11 provides a lump sum
payout for covered Comprehensive Critical Illnesses9,
even in the early stages.
IMPORTANT NOTES:
Choice of Premium
Payment Terms
Guaranteed7
coverage
before age 704
Guaranteed
coverage
after age 70
S$300,000
S$100,000
S$200,000
S$100,000
S$100,000
S$100,000
The MPB factor will be reduced to 1X if there is a withdrawal
of bonus or when the Policy is converted to a Reduced Paid-up
Insurance. Once the MPB factor is reduced, it cannot be reinstated.
8
Premium rates are guaranteed for the ManuProtect Life plan.
If riders are attached, the riders’ premiums are not guaranteed.
Manulife (Singapore) reserves the right to change the premium
rates of the riders by giving 30 days’ notice.
9
The list of covered critical illnesses as well as further information
on the Rider can be found in the respective Product Summary,
which can be obtained from a Manulife Financial Planner or
one of our appointed distributors. For Angioplasty & other
Invasive Treatment for Coronary Artery, 10% of the Rider sum
insured for Critical Care Enhancer Rider (with MPB if applicable)
will be advanced. This Benefit is payable only once, subject to
a maximum amount of S$25,000 per life, for all policies which
Manulife (Singapore) Pte. Ltd is liable for.
10
The maximum benefit payable where there are multiple policies of
such benefit provided by Manulife (Singapore), will be $40,000 per
child and no more than $80,000 per family. The payment of this
benefit will not affect the sum insured of this Rider. The age of the
child must be between 30 days and 17 years (inclusive) when the
Diagnosis was done. MPB factor is not applicable to this benefit.
11
Critical Care Complete Rider (I) can only be attached to a ManuProtect
Life plan with a premium payment term of up to age 99 of the Life
Insured.
7
Designed to give you control over your financial goals, you
may choose to pay up to age 99 or limit your premium
commitment to terms of 10 years, 15 years, 20 years,
25 years. No matter what your choice is, you will enjoy a
lifetime’s peace of mind. What’s more, premium rates8 are
fixed at entry age throughout your payment term, so you
know your financial commitment right from the start.
Secure Greater Coverage
For added peace of mind, you can also supplement your
coverage with a range of riders. The following are some
riders that provide payouts for critical illnesses, allowing
you to focus on recovery without having to worry about the
burden of additional expenses on you or your loved ones.
ManuProtect Life, Critical Care Enhancer Rider and Critical Care
Complete Rider (I) are underwritten by Manulife (Singapore) Pte. Ltd.
(Reg. No. 198002116D).
Protect yourself and your family. Call our Client Service at
6833 8188 to find out more or speak with your Manulife
Financial Planner or any of our appointed distributors for a
non-obligatory financial needs analysis.
In the event of TI before the Policy Anniversary immediately after
the 99th birthday of the Life Insured, the Death Benefit will be
advanced in a lump sum.
2
In the event of TPD before the Policy Anniversary immediately
after the 65th birthday of the Life Insured, the Death Benefit will be
advanced in a lump sum. The Disability must last for a minimum
period of six consecutive months before a claim can be admitted.
3
The MPB factor can be selected at application and cannot be
changed by the Policy Owner thereafter.
4
Applicable for death and TI coverage. For TPD, guaranteed
coverage is only up till the Policy Anniversary immediately after the
65th birthday of the Life Insured.
5
The bonuses, if any, are not guaranteed. The actual amount
payable may vary according to the future performance of the
Participating Fund.
6
The maximum entry age will vary with the selected premium
payment term.
1
Buying a life insurance policy is a long-term commitment. An
early termination of the policy usually involves high costs and the
surrender value payable (if any) may be less than the total premiums
paid. Buying health insurance products that are unsuitable may
impact your ability to finance your future healthcare needs. This
brochure is for general information only and does not have regard
to your specific investment objectives, financial situation and any
of your particular needs. You should seek advice from a financial
adviser before making a commitment to purchase the plan. In the
event that you choose not to seek advice from a financial adviser,
you should consider carefully whether this plan is suitable for you.
This brochure is not a contract of insurance and is not intended as
an offer or recommendation to purchase the plan and the riders.
The specific details applicable to this insurance plan and the riders
are set out in the policy contract.
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 the coverage, where applicable, please contact Manulife
(Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC
websites (www.lia.org.sg or www. sdic.org.sg).
In case of discrepancy between the English and Chinese versions,
the English version shall prevail.
Information is correct as of 11 April 2016.
Manulife – Asia’s Global Insurer
Since 1897
Manulife is a leading international financial services group with
principal operations in Asia, Canada and the United States.
For more than 125 years, we have been providing customers
strong, reliable, trustworthy and forward-thinking solutions
for their financial decisions. With our global headquarters in
Toronto, Canada, we trade as ‘MFC’ on the Toronto,
New York, and the Philippine stock exchanges and under
‘945’ in Hong Kong.
We have deep roots in Asia, with our history going back
to 1897 when we issued our first Asian policy in Shanghai,
China. Over the decades, we have steadily expanded our
reach and built a pan-Asia presence. We now operate in
12 markets in the region, including Hong Kong, Indonesia,
China, Japan, the Philippines, Taiwan, Vietnam, Malaysia,
Thailand, Macau, Cambodia and Singapore.
Established in 1980, Manulife Singapore provides insurance,
retirement and wealth management solutions to meet the
financial needs of our customers across their various life
stages. Customers can readily access our solutions through
our extensive multi-channel distribution network. In addition
to our established agency force, we distribute our products
through a number of specialist partners, including banks
and financial advisory firms. For more information on
Manulife Singapore, visit www.manulife.com.sg
Manulife (Singapore) Pte. Ltd., Reg No. 198002116D
Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore 189554
Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street)
Tel: 6833 8188
Website: www.manulife.com.sg