Manulife ManuProtect Term II Review

The complete Pros and Cons on Manulife ManuProtect Term II

Manulife ManuProtect Term II product details

  • Non-participating policy – Term policy
  • Insurance Coverage
    • Be covered against Death and Terminal Illness
  • Policy Term; choose to be covered
    • 5 or 10 years (renewable and convertible)
    • 11 to 40 years (level and convertible)
    • To age 65, 75, 85 (level and convertible)
  • Guaranteed Renewal
    • Policy terms of 5 or 10 years are automatically renewable to age 85, regardless of your health condition
  • Conversion Privilege
    • You can choose to convert this policy to another life insurance from Manulife should your needs change and evolve as time goes on
  • Quit Smoking Incentive
    • If you are a smoker, you will enjoy non-smoker premium rates for the first 3 years. If you quit smoking during these 3 years, you will continue to enjoy this benefit
  • Optional Add-ons
    • Early Critical Care Waiver Rider (ECCW)
      • Have future premiums waived upon diagnosis of any of the listed illness
    • Total and Permanent Disability Rider (TPD Plus II)
      • Receive a lump-sum payout to cover you against loss of income upon TPD
    • Critical Care Enhancer Rider
      • Receive a lump-sum payout to cover you against loss of income upon contracting any of the listed illness

Manulife Manu Protect Term II is a common search alternative for Manulife ManuProtect Term II.

Read About3 things to consider before taking up a new financial product

Features of Manulife ManuProtect Term II at a glance


Manulife ManuProtect Term II Benefit Table

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: Yes
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

Total and Permanent Disability Plus Rider II
Critical Care Enhancer Rider II
Early Critical Care Waiver Rider

Additional Features and Benefits


For further information and details, refer to Manulife website. Alternatively, fill-up the form below and let us advise accordingly.

Manulife ManuProtect Term II may be suitable if you are looking for

Manulife ManuProtect Term II may potentially be a good fit if the following matters to you:

  • High Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Critical Illness or Total Permanent Disability with riders
  • Premium waiver rider for Early Critical Illness
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill shortfalls in an insurance portfolio

Manulife ManuProtect Term II may not suitable if you are looking for

Manulife ManuProtect Term II may potentially be a bad fit if the following matters to you:

  • Insurance coverage for Early Critical Illness
  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value.

Further considerations on Manulife ManuProtect Term II

  • How is Manulife or Manulife ManuProtect Term II and claims based on past track record?
  • How does Manulife ManuProtect Term II compare with Term policies from other insurance companies?
  • Can Manulife ManuProtect Term II fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on Manulife ManuProtect Term II. Talk to us or seek advice from a financial adviser before making any decision about Manulife ManuProtect Term II.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Read Also: No budget for financial planning?

Is Manulife ManuProtect Term II suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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Step 1: Getting to know you…

Let's start with a introduction of your personal profile. Please note that your current age and gender affects the insurance premium you have to pay for your term life plan.





Step 2: Understanding your coverage needs…

Please select the amount and period of coverage that is needed for this term life plan.

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This insurance coverage is needed to the age (policy term) of:


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Before you go...
Manulife ManuProtect Term II may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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