The life insured must be at least 16 years old. The oldest age the life insured can be is 55 for the 10 year plan and 45 for the 20 year plan.

The policy will end when death or TPD benefit or maturity benefit is paid.

Yes, you are allowed to cancel at any time and you will receive the cash value of Manulife Protector. The cash value will increase over time so please consider carefully before cancelling.

This refers to an additional optional provision to your insurance policy. A rider increases the level of your coverage with only a little extra premium.

Waiting period refers to the period in which we need to observe the health of the policyholder for a short period of time after your policy is issued and there
will be no benefit paid out for the meantime. For critical illness the waiting period is: 90 days from policy effective date/issue date or reinstatement date, whichever is later.