ManuProtect Decreasing / ManuProtect Decreasing Lite*

Keep your home safe with mortgage protection

Be sure that your mortgage will be paid off if you pass away or are diagnosed with a terminal illness1 so your loved ones can continue to enjoy the comfort of home.

Core benefits
  • Pays off your outstanding mortgage loan if you pass away or are diagnosed with a terminal illness1.
  • Choice of policy terms and interest rates of 1%, 2%, 3%, 4%, 5%, 7% or 9% to suit your needs.
  • Fixed premiums during the premium payment term.
  • Enjoy 4% discount for joint lives2.
How ManuProtect Decreasing / ManuProtect Decreasing Lite could help

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Speak to our Client Services Executives

(+65) 6833 8188

Servicing hours:
9am to 6pm
Mondays to Fridays
(excluding public holidays)

Product footnotes
* ManuProtect Decreasing Lite covers a maximum sum insured of S$500,000 and the oldest you can be to sign up for the plan is 49 years old (last birthday).

1 A terminal illness (TI) is defined as an illness which in the opinion of a medical examiner (and if our appointed medical examiner agrees) is likely to lead to your death within 12 months from the date of diagnosis. The maximum amount which we will pay for TI claims under all policies we have provided on the same life is S$1 million. The most we will pay for TI and critical illness claims under all policies we provide on the same life is S$2 million. We include any accumulated reversionary bonus or any claim bonus (or both) when deciding the TI limit or TI and critical illness limits. Please see the product contract for details.

2 For joint-lives applications, you and the joint insured will receive a discount off the basic plan. This discount does not apply to any rider attached to the policy.

3 The illustration is based on a male, age 35 last birthday, non-smoker, and a female, age 30 last birthday, non-smoker. We round up the figures to the nearest dollar.

Important notes
ManuProtect Decreasing and ManuProtect Decreasing Lite are underwritten by Manulife (Singapore) Pte. Ltd.(Registered number 198002116D).

Buying a life insurance policy is a long-term commitment. If you end the policy early, it usually involves high costs and the cash-in value (also known as surrender value) (if any) may be less than the total premiums you have paid. This is for general information only and does not take account of your specific investment aims, financial situation and any of your particular needs. This is not a contract of insurance and is not an offer or recommendation to buy the plan and the riders. The specific details which apply 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 ( or

Information is correct at the time of publishing.