Ultimate Protector

LOVE NEEDS PROTECTION
You enjoy the quality time you have with your family and loved ones. However, we do not know what the future holds. Naturally, you want to ensure that their long-term financial needs remain secured even when you are taken out of the picture - unexpectedly. You need a plan that provides life-long protection, yet there is no long-term financial commitment to slow you down. This is the ULTIMATE gift of love to your loved ones, giving you ULTIMATE peace of mind.

Features and Benefits:
*Minimum Protection Benefit (MPB) guarantees you coverage for up to 200% of the chosen Face Amount until age 65, giving additional boost to protect against Loss of Life, Terminal Illness, as well as Total and Permanent Disability.

*Provides additional Accidental Death Benefit equivalent to 50% of the MPB between age 12 and 65.

*Singles and married couples can benefit from the Guaranteed Insurability Option, which allows you to take up a new policy at two life-stage events (marriage and/or birth of child/children) without having to provide evidence of health.

*Offers a choice of premium payment terms of 10, 15 or 20 years to suit your needs.

Please feel free to contact me for more information

ManuTerm

LOVE AND PROTECT YOUR FAMILY EVERY STEP OF THE WAY
When it comes to protecting your loved ones, you want to go all the way out. You would not want to be insured for one area while leaving many scenarios uncovered. That's not a problem if all is well. However, should any unfortunate event occur, the consequences may be grave.
Now with ManuTerm and its range of supplementary benefits, you can enjoy comprehensive insurance coverage without having to burn a hole in your pocket.

Features and Benefits:
*Quit Smoking Incentive (for Level ManuTerm) - a first in the Singapore market for a term assurance plan, this benefit incentivises life insureds who are smokers to lead healthy lifestyles without cigarettes. It offers non-smoker rates for the first three policy years for sum insured of $500,000.

*Preferred Premium rates - non-smoking life insureds in excellent health condition can enjoy Preferred Premium rates for sum insured of S$1 million and above.

*Conversion privilege - ManuTerm/ManuTerm rider policy can be converted without evidence of health to any Manulife whole life, endowment or investment-linked plans before age 65 (for the same coverage benefits only).

*Choice of supplementary benefits available for additional benefits and protection at nominal cost.

ManuTerm Supplementary Benefits
ManuTerm Supplementary Benefits include Career, Career Plus and Terminal Care are designed to complement the basic ManuTerm plan providing a complete solution to your protection needs. You can be assured that you and your family will be protected when an unfortunate event happens.

ManuTerm Career/Career Plus
What if a sickness or an injury prevents you from pursuing your current career? You may be handicapped physically or mentally and have to either stop work or take up another job that may not pay you as well. You can be cushioned against such circumstances with ManuTerm Career or ManuTerm Career Plus so that your family's lifestyle need not suffer drastically.

ManuTerm Career accelerates a lump sum payment upon total and permanent disability in a lenient claims definition.

" ... and is unable to work at any occupation for which he/she is suited by way of education, experience or training and will never be able to do so again ...."

ManuTerm Career Plus pays the coverage in five equal payments of 20% per annum upon total disability. It has a more lenient claims definition for the first two payments.

" ... as a result of body injury or disease to perform his/her occupation at the time of claim."

ManuTerm Terminal Care
What if you were told by the doctor that you only had 12 more months to live? ManuTerm Terminal Care pays additional 25% of ManuTerm coverage. Money can't buy you more time but money can help to fulfil some of your last wishes. A dearly cherished extended overseas trip or a valuable gift for your spouse and children. Whatever your wishes are, ManuTerm Terminal Care can help you to fulfill them.

Please feel free to contact me for more information