Manulife 3G

Manulife 3G provides guaranteed returns, growth potential and a legacy that lasts for generations. Be it to fulfill your dreams of yearly indulgence, or build a legacy for your child and grandchild, Manulife 3G helps you to achieve them all.  Invest a decade, reap for generations.

Features and benefits:

  • Enjoy lifelong protection with just 10 years of premiums.
  • Gives attractive yearly Cash Coupons currently at 4.2%* p.a. of the basic sum insured starting from the end of the 10th policy year onwards.
  • Earn an interest of 3.75%^ p.a. when you deposit the yearly Cash Coupons with Manulife.
  • Cash liquidity to help you sail through life’s stages and enhance your lifestyle.

* The yearly Cash Coupons consist of a guaranteed 2.0% and a projected 2.2% of the sum insured. As the 2.2% is non-guaranteed, the actual benefit payable may vary according to the future performance of the Participating Fund.

^ 3.75% p.a. is the prevailing interest rate and is subject to change.

   

Find out more about Manulife 3G.




Life Protector 1

Forget about the hassle of continuous regular premium payment. With just a single payment, you get to enjoy permanent life protection with complete peace of mind.

Features and benefits:

  • Convenience of one time premium payment.
  • Protection for loss of life, terminal illness and total and permanent disability (TPD). In the event of TPD, a lump sum benefit will be paid.
  • It accumulates cash value over time for savings and it will continue to grow.

   

Find out more about Life Protector 1.




Life Protector 20

The Life Protector 20 protects you against adversities by providing permanent lifetime protection as well as potentially high returns. Best of all, the plan is designed to limit your premium commitment to only 20 years, so you and your family can enjoy a lifetime of protection without a lifetime of premium payments.

Features and benefits:

  • Enjoy lifelong protection with 20 years of premium.
  • Protection for loss of life, terminal illness and total and permanent disability (TPD). In the event of TPD, a lump sum benefit will be paid.
  • The profits keep rolling in as it accumulates cash value over time. Your savings will continue to grow even after you have completed 20 years of premium.
  • Choice of supplementary benefits available for additional benefits and protection.
   

Find out more about Life Protector 20.




Life Protector 65

A plan that gives you permanent protection throughout your life. Life Protector 65 is conveniently designed so that premiums cease at age 65. You can enjoy the benefits fully during your retirement years without any further outlay.

Features and benefits:

  • Enjoy peace of mind during retirement years as premium cease at age 65.
  • Protection for loss of life, terminal illness and total and permanent disability (TPD). In the event of TPD, a lump sum benefit will be paid.
  • It accumulates cash value over time for savings.
  • Choice of supplementary benefits available for additional benefits and protection.
   

Find out more about Life Protector 65.




Life Protector Plus

Life Protector Plus is uniquely designed to give you maximum and permanent life protection at a very affordable rate.

Features and benefits:

  • Enjoy up to 140% extra coverage in addition to your chosen sum insured till age 65.
  • Protection for loss of life, terminal illness and total and permanent disability (TPD). In the event of TPD, a lump sum benefit will be paid.
  • Choice of supplementary benefits available for additional benefits and protection.

How much does it cost?

    Female, age 30, non-smoker with
    $100,000 chosen sum insured
    Cost/day
    $240,000 min. death benefit till age 65
    $4.95

  

Find out more about Life Protector Plus.




Critical Care Enhancer

A rider attachable to selected life protection plans, Critical Care Enhancer covers 30 critical illnesses plus Serious Illness of a Child. Manulife is the ONLY insurer that provides this children's benefit in addition to 30 critical illnesses.

When attached to Life Protector Plus, Critical Care Enhancer also benefits from the extra coverage of up to 140% on critical illness until age 65.

What is Serious Illness of a Child?

  • Provides an additional benefit in the event that a child of the life insured is diagnosed to be suffering from the listed 30 critical illnesses.
  • Covers children of life insured and even future offspring.
  • No underwriting is required for children.
  • Pays up to $20,000 per policy.
  • Rider sum insured remains intact even if there is a claim on Serious Illness of a Child.

Find out more about Critical Care Enhancer.




ChoiceCover

Want maximum protection for yourself and your loved ones without too much of a strain on your wallet? No matter how life turns out, ChoiceCover and its range of comprehensive benefits is your ideal choice to cover all possibilities.

Features and benefits

  • A term plan that is specially designed to give maximum coverage and terminal illness protection at a minimum cost.
  • Guaranteed yearly renewal, regardless of the state of health.
  • Pay for only what you need; premiums are charged based on your actual age at each renewal.
  • Choose from the following range of supplementary benefits to customise a protection plan that best fit your specific needs :
    • Total & Permanent Disability (TPD)
    • Enhanced Total & Permanent Disability (ETPD)
    • Disability Advance Payment Plus (DAP+)
    • Critical Care Accelerator (CCA)
    • Critical Care Plus (CCP)
The illustration below shows how little it costs for a comprehensive protection plan. Simply customise one according to your needs.
  Benefits
(Insured Amount of $500,000) 		Cost Per Day
Base Plan ChoiceCover $500,000 protection for loss of life & terminal illness $1.17
Supplementary
Disability Benefit

(Select 1 from 3 options) 		TPD. $500,000 lump sum benefit should you be unable to engage in any occupation due to total & permanent disability. $0.18
ETPD $500,000 lump sum benefit should you be unable to engage in any occupation that you are suited by education, training or experience. $0.26
DAP+ $500,000 benefit paid in 5 annual equal instalment payments. First 2 annual instalment payments are payable if you are unable to work in your occupation. Next 3 instalments are payable if you have total and permanent disability and cannot engage in any occupation suited by education, training or experience. $0.35
Supplementary Critical Illness
Benefit

(Select 1 or both) 		CCA $500,000 lump sum benefit for 30 covered critical illnesses $0.97
CCP $500,000 lump sum benefit for 30 covered critical illnesses. Sum insured under basic plan remains intact even after claim on this benefit $1.16

Note: This illustration is for 1st Year Premium, based on standard life, male, non-smoker, aged 30. Renewal premium will be based on the attained age of the Life Insured.

  

Find out more about ChoiceCover.




ManuTerm

Understanding the importance of having adequate financial resources to cope with the future living expenses of your loved ones, ManuTerm is your right step towards financial security.

Features and benefits:

  • Available in a wide range of policy terms from 5 to 40 years.
  • Regardless of your health condition in future, there will be absolutely no extra health loading should you wish to convert your ManuTerm to a permanent plan before age 65.
  • Choice of supplementary benefits available for additional benefits and protection at nominal cost.
   

ManuTerm Supplementary Benefits

Manuterm Supplementary Benefits include Career, Career Plus, Critical Care and Terminal Care are designed to complement the basic ManuTerm plan providing a complete solution to your protection needs. You can be assured that you and your family will be protected when an unfortunate event happens.


ManuTerm Career/Career Plus

What if a sickness or an injury prevents you from pursuing your current career? You may be handicapped physically or mentally and have to either stop work or take up another job that may not pay you as well. You can be cushioned against such circumstances with Manuterm Career or ManuTerm Career Plus so that your family's lifestyle need not suffer drastically.

ManuTern Career accelerates a lump sum payment upon total and permanent disability in a lenient claims definition.

" … … and is unable to work at any occupation for which he/she is suited by way of education, experience or training and will never be able to do so again… …"

Manuterm Career Plus pays the coverage in five equal payments of 20% per annum upon total disability. It has a more lenient claims definition for the first two payments.

"… as a result of body injury or disease to perform his/her occupation at the time of claim."


ManuTerm Critical Care Enhancer

ManuTerm Critical Care Enhancer gives you financial security against 30 critical illnesses. It takes away your financial and emotional burden of shouldering hefty medical bills. You need not dip into the savings that you have tirelessly set aside for retirement or your children's education.


ManuTerm Terminal Care

What if you were told by the doctor that you only had 12 more months to live? ManuTerm Terminal Care pays additional 25% of ManuTerm coverage. Money can't buy you more time but money can help to fulfil some of your last wishes. A dearly cherished extended overseas trip or a valuable gift for your spouse and children. Whatever your wishes are, ManuTerm Terminal Care can help you to fulfill them.

Find out more about ManuTerm.




Home Protector

Your dream home is finally yours. We understand that you need the assurance that should anything happen to you while you are servicing your home loan, your family would not be left homeless. Home Protector is designed to protect your home right from the start.

Features and benefits:

  • Lump sum benefit for the loss of life, terminal illness and total and permanent disability.
  • Premium stops for the last 3 years of the policy while the coverage continues.
  • Flexibility to choose your preferred interest rate and the policy term.
  • Add supplementary benefits to provide additional benefit and protection.
   

Find out more about Home Protector.




ManuAuto

Driving with peace of mind

ManuAuto is a comprehensive motor insurance that covers any loss or damage to your car due to accidents, fire, theft and acts of nature such as windstorm and flood.

A host of extra value benefits comes with ManuAuto:

  • Personal accident protection and medical expenses cover for the insured and all passengers
  • Emergency medical evacuation for the insured of up to $50,000 while driving in West Malaysia & that part of Thailand within 50 miles of the West Malaysia / Thai border
  • Difference of outstanding car loan against its market value up to $100,000 in event of total loss of the car
  • A fixed daily transport allowance up to 10 days after the first 3 days when the car undergoes repair due to an accident
  • 24-hour MSIG Emergency Helpline for roadside assistance*
  • No restriction on choice of workshop
* Helpline and referral assistance only. Any third party expenses incurred will be borne by the insured.

   

Find out more about ManuAuto.




ManuTravel

Enjoy carefree travel

With ManuTravel, you travel with peace of mind every time. A comprehensive travel insurance package, ManuTravel covers individuals and families and corporate traveler against accidents, medical expenses and other travel inconveniences.

ManuTravel's extensive covers are more attractive with these added advantages:

  • No upper age limit – i.e. persons aged one month and above are eligible for cover+
  • Includes terrorism cover (excludes biological, chemical and nuclear devices)
  • No excess for claims – cover starts from the first dollar onwards
  • Automatic extension of policy due to transport delay, accidental injury or illness, free of charge

ManuTravel benefits

  • Accidental Death and Permanent Disablement
  • Accident Bereavement benefit
  • Medical Expenses
  • Overseas Hospitalisation Daily benefit
  • Emergency Medical Evacuation
  • Compassionate Visit
  • Child Guard
  • Repatriation following Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Baggage
  • Delayed Baggage
  • Delayed Departure
  • Loss of Documents and Passport
  • Missed Travel Connection/Overbooked Flight
  • Cancellation and Curtailment
  • Personal Money
  • Hijack
  • Kidnap/Hostage
  • Rental Vehicle Excess
  • Rental Vehicle Return
  • Personal Liability
  • Automatic Extension of Cover
  • Home Contents
  • Domestic Pet Cat or Dog Care
  • Terrorism Cover excluding biological, chemical and nuclear devices.

Available in 2 Plans to suit different cover levels and 3 travel regions, ManuTravel is your passport to carefree travel.

+ Adults aged 70 years and above are eligible for Premier Plan, single trip only.

ManuTravel is brought to you by Manulife (Singapore) Pte Ltd and is underwritten by MSIG Insurance (Singapore) Pte Ltd.

  

Find out more about ManuTravel.




ManuHome

Comprehensive home and contents cover

More than just a roof over you and your family’s heads, your home is a nest where love and the comforts of healthy family living thrive.

ManuHome offers more value-for-money protection of your home renovations and contents from unexpected circumstances such as fire, flood or break-in.

ManuHome Benefits

  • Home contents (all movable items)
  • Home renovations
  • Worldwide Personal Liability
  • Worldwide Accidental Death protection
  • Worldwide Hospital Cash
  • Additionals such as alternative accommodation, removal of debris, loss of money, 24 hours emergency home assistance hotline services and more

PLUS these value covers:

  • Pays 25% of the outstanding home loan or up to $50,000, whichever is lower in the event of the accidental death of the insured as the registered home owner
  • Accidental death of domestic pet cat or dog

Choose from 3 Plans to secure your home and the comforts within.

ManuHome is brought to you by Manulife (Singapore) Pte Ltd and is underwritten by MSIG Insurance (Singapore) Pte Ltd.

   

Find out more about ManuHome.




ManuProtect

Protection on the go

Accidents occur where and when we least expect. That’s why ManuProtect is an ideal financial protection against accidents for you and your loved ones, providing the necessary safeguard to live the life you desire.

ManuProtect benefits

  • Accidental Death
  • Permanent Disablement
  • Temporary Total and Partial Disablement
  • Medical Expenses (includes Traditional Chinese Medicine treatment, artificial limbs and reconstructive surgery for burn injuries)
  • Daily hospitalisation cash
  • Child Education Grant
  • Bereavement Grant
  • Loss or damage to clothing and personal effects

Your value cover includes:

  • Guaranteed renewal bonus of 5% on original Death and Permanent Disablement benefits up to 5 consecutive renewals
  • 10% discount on premium for spouse cover if taken at same time with the insured
  • Free cover * for up to 3 children if insured and spouse sign up at same time
    Choose from 3 Plans to suit your protection needs wherever you are.

* Covers accidental death, permanent & total disablement and medical expenses only.

ManuProtect is brought to you by Manulife (Singapore) Pte Ltd and is underwritten by MSIG Insurance (Singapore) Pte Ltd.

   

Find out more about ManuProtect.