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
  • 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 you needs change and evolve with life
  • 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 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 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

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 Early Critical Illness, Critical Illness or Total Permanent Disability
  • 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:

  • 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 policy from other insurance companies?
  • Can Manulife ManuProtect Term II fulfil 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 Independent 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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DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

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