ManuProtect Term II (Term Insurance) Review

ManuProtect Term (Term Insurance)
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Last Updated on by Tree of Wealth

The ManuProtect Term is a term insurance that covers for Death, Total Permanent Disability as well as Terminal Illness.

It is a term insurance jam packed with features that promotes healthy lifestyle and health conscience seekers may resonate well with Manulife’s approach.

Product Features and Benefits at a Glance

Policy Terms

Flexibility in choosing your coverage term:

  • regular premium of 5-10 years (renewable and convertible term)
  • 11 to 40 years (coverage term)
  • To age 65, 75 or 85 (level and convertible)


Be covered against death and terminal illness

Guaranteed Renewal

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

For 5 to10 years regular premium term only. Premiums will be based on age at point of renewal.

Option to Convert

Choose to convert the term plan into a life insurance plan.

  • For 5 to 10 years and 11 to 40 years coverage term, convert anytime while the policy in-force.

Critical Care Enhancer Rider

  • Accidental Death Benefit
  • Total and Permanent Disability Plus Rider II
  • Critical Care Waiver Rider
  • Early Critical Care Waiver Rider

 What We Like About The Plan

  • Smoker Friendly – Quit Smoking Incentive
    • Non-Smoker premium rates right at the beginning of your policy.
    • Quit smoking in 3 years time to continue the non-smoker rates.
  • Starting from 4th policy year, provide satisfactory evidence to insurer that you have stopped smoking
  • Only for premium term of 11 to 40 years. Not for 5 to 10 years renewable regular premium term.

What We Don’t Like About The Plan

No Multiple Payout Coverage for CI.

Maximum of 40 years coverage term only.

How ManuProtect Term (Term Insurance) Works

how manuprotect term ii works
source: Manulife

Conclusion For ManuProtect Term (Term Insurance) Review

As with all term life insurance plans, the suitability of this plan for you will largely depend on your needs and expectations. There are many term insurance plans in the market with many strong Insurers. Which one suits you the most?

To find the most suitable coverage, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. Based on your needs, a custom made solution will be adjusted only addressing your concerns.

No obligations, no hidden fees. All advice are of no charges.

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