Introduction
In today's uncertain world, protecting yourself and your loved ones from the financial impact of critical illnesses is more important than ever. Manulife ProtectFirst offers a comprehensive solution to this need, providing robust coverage against a wide range of critical illnesses. This innovative product not only offers financial protection but also provides peace of mind, allowing you to focus on recovery should the unexpected occur. With its flexible terms and additional benefits, Manulife ProtectFirst is designed to adapt to your changing needs throughout life's journey.
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Coverage and Benefits
Manulife ProtectFirst offers comprehensive coverage against a variety of critical illnesses, ensuring you're protected when it matters most. From the number of conditions covered to the payout structure, this product is designed to provide robust financial support during challenging times. Let's explore the key aspects of coverage and benefits offered by Manulife ProtectFirst.
Death and Terminal Illness
ManuProtect Term (II) provides coverage against death and terminal illness. This ensures that your loved ones are financially protected in the event of your passing or if you're diagnosed with a terminal illness.
Flexible Coverage Options
The product offers various coverage options to suit your needs. You can choose coverage terms ranging from 5 or 10 years (renewable and convertible) to 11-40 years (level and convertible), or opt for coverage up to age 65, 75, or 85 (level and convertible).
Lump Sum Payout
In the event of a claim, ManuProtect Term (II) provides a lump sum payout. For instance, if the policyholder passes away before age 65, the remaining sum insured is paid out upon death, providing immediate financial support to beneficiaries.
Optional Add-Ons
Enhance your protection with optional riders covering total and permanent disability, critical illness, and premium waiver. These add-ons allow you to customize your coverage to meet your specific needs and concerns.
Additional Benefits
Manulife ProtectFirst goes beyond basic coverage to offer a range of additional benefits that enhance the value of your policy. These features are designed to provide extra protection and flexibility, ensuring that your insurance coverage adapts to your changing needs and circumstances. Let's explore these additional benefits in detail.
Guaranteed Renewal
Policy terms of 5 or 10 years are automatically renewable to age 85, regardless of your health condition. This feature ensures continuous coverage even if your health status changes over time.
Conversion Privilege
While your policy is in force, you have the freedom to convert it to another life insurance product from Manulife's range of curated offerings. This flexibility allows you to adapt your coverage as your needs evolve.
Quit Smoking Incentive
Smokers enjoy lower non-smoker premium rates for the first 3 policy years and can continue to do so if they quit within this period. This incentive applies to sum insured of S$500,000 and above, encouraging healthier lifestyle choices.
Critical Illness Coverage
With the Critical Care Enhancer Rider (II), you can receive a lump sum payout for critical illnesses. For example, a S$500,000 lump sum payout is provided if diagnosed with an advanced stage heart attack, helping cover loss of income.
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Policy Term and Renewability
Manulife ProtectFirst offers flexible policy terms and renewability options to accommodate your long-term insurance needs. Understanding these options is crucial in selecting the right coverage duration and ensuring continuous protection throughout different life stages. Let's delve into the details of policy terms and renewability features offered by this product.
Flexible Policy Terms
ManuProtect Term (II) offers various policy term options. You can choose from 5 or 10-year terms (renewable and convertible), 11 to 40-year terms (level and convertible), or coverage up to age 65, 75, or 85 (level and convertible).
Guaranteed Renewability
For 5 or 10-year policy terms, automatic renewal is guaranteed up to age 85, regardless of health condition. This ensures continuous coverage even if your health status changes over time.
Conversion Option
While your policy is in force, you have the option to convert it to another life insurance product from Manulife's range. This allows you to adapt your coverage as your needs change throughout life.
Claims and Customer Service
Manulife is committed to providing excellent customer service and a smooth claims process. To file a claim, policyholders can visit Manulife's official website or contact their customer service hotline at 65 6833 8188. The claims process is designed to be straightforward, with dedicated support staff available to guide you through each step. Manulife also offers various digital tools and resources to help manage your policy and access information easily. For any queries or assistance, their customer service team is readily available to provide prompt and professional support.
Conclusion
Manulife ProtectFirst is an excellent choice for individuals seeking comprehensive critical illness coverage with flexibility. It's particularly suitable for young professionals looking to secure their financial future, families wanting to protect their income, and those with changing insurance needs over time. The product's adaptability, coupled with its range of benefits, makes it a valuable addition to any financial protection plan.
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