ManuProtect Life

You want to give your family the very best in life but you cannot always avoid life’s unpleasant surprises and misfortunes. To give you peace of mind, you need a sound protection plan with the assurance of lifetime security.

ManuProtect Life gives you flexibility to boost your coverage with a guaranteed payout of up to 3X your selected sum insured for loss of life, Terminal Illness (TI), and Total and Permanent Disability (TPD), so you can enjoy higher guaranteed coverage with good value for money.

Core benefits
Choice of 3 levels of enhanced protection1 (up to 300% of sum insured)
Builds up cash values for long-term savings
Choice of premium payment terms to give you control over your financial commitment

Table below shows how your protection can be enhanced with a Minimum Protection Benefit (MPB) factorapplied for a sum insured of S$100,000.
Eligible entry age MPB factors
3 Choices
coverage before age 703
coverage after age 70
15 days to 60 years 3x S$300,000 S$100,000
2x S$200,000 S$100,000
1x S$100,000 S$100,000

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Product Footnotes
1 ManuProtect Life offers a choice of MPB factors of 1X, 2X or 3X the sum insured for all eligible entry ages from 15 days old up to 60 years (age last birthday). The maximum entry age will vary with the selected premium payment term. The MPB factor can 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, you enjoy 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 attaching non-guaranteed bonuses.

2 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 by the Policy Owner. Once the MPB factor is reduced, it cannot be reinstated. Payouts for TPD and TI are subject to respective coverage limits per life insured.

3 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.

Important notes
This policy is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D)

This is for general information only and does not have regard to your specific investment objectives, financial situation and any of your particular needs. This is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan.

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. The specific details applicable to the insurance plan are set out in the policy contract. 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.

Information is correct at time of publishing.

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 of SDIC websites ( or