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15%* perpetual premium discount

Yearly renewable term plan customizable to your specific protection needs and budget

15%* perpetual premium discount

Why should you get it?

Get covered today & receive 15%* perpetual premium discount. 

*T&Cs apply.

Policy Terms

Flexibility in choosing your coverage term


Be covered against death and terminal illness

Guaranteed Renewal

Automatic policy renewals till age 85, regardless of your health condition

Conversion Privilege

Choice to convert your policy to another life insurance plan from our selected range of plans

Quit Smoking Incentive

- By offering non-smoker premium rates at the start of your policy
- If you quit in the next 3 years, you can continue to enjoy non-smoker rates1

Optional Add-Ons

Additional riders2 to enhance your coverage

Product Family

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Product Family

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Product Family

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Lump sum payout of death benefit in the event of Total and Permanent Disability. 


Lump sum payout of death benefit upon diagnosis of the covered 36 Critical Illnesses. 


1. From the fourth policy year, you can continue to enjoy non-smoker premium rates if we receive satisfactory evidence that you have stopped smoking.

2. Please refer to product summary of the respective riders for details of coverage.

Important notes

ManuProtect Term 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 web-sites ( or

We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors or visit any DBS/POSB Branch before making a commitment to purchase a policy. 

Information is correct as of 1 September 2019. 

Speak to a financial consultant today!


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