ManuProtect Decreasing (II)

At a GlanceAs you pay off your mortgage, ManuProtect Decreasing (II) reduces your insurance coverage accordingly. This ensures you are only insured for what you really need at affordable premiums.

Get covered from unexpected events such as death or terminal illness

Choose a policy term and interest rate that best match your home loan repayment plans

Enjoy fixed and level premiums on the basic plan for your entire policy term

Live Chat Chat with our friendly Wealth Planning Managers now (chat service is available from 9am to 6pm on Monday to Friday, excluding Public Holidays).

Features & Benefits

Ideal for both outstanding mortgage loans

Be covered against death or diagnosis of terminal illness²

Enjoy greater flexibility with a choice of policy terms

Choose from 1%, 2%, 3%, 4%, or 5% to ensure your mortgage loan is adequately covered

Premiums are fixed on the basic plan for the entire policy term

Get additional protection with a selection of riders

Enjoy 5% premium discount³ for joint lives application

How it Works

Footnotes

¹ Premium rates illustrated are based on non-smoking status and after applying joint lives premium discount.

² “Terminal Illness” means any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the life insured is expected to live for no more than 12 months.

The medical examiner treating the condition must provide supporting evidence of the condition, possible medical treatment, the prognosis after undergoing the possible medical treatment, and certify that the life insured is expected to live for no more than 12 months despite all possible medical intervention. We reserve the right to appoint an independent medical examiner who is an expert in the condition to confirm the diagnosis and prognosis.

Terminal Illness in the presence of HIV infection is excluded.

³ For joint lives applications, a premium discount will be applied to the basic plan throughout the policy premium term. This discount does not apply to any rider attached to the basic plan

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 14 Sep 2025.

DBS Insurance Important Notes

How to ApplyChat with our friendly Wealth Planning Managers now. (This chat service is available from 9am to 6pm on Mon to Fri, excluding Public Holidays.)Live Chat