As 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.
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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.
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