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Manulife LifeReady Plus (II)
Product Review
4.5
Introduction
Manulife LifeReady Plus (II) is a whole life insurance plan that covers Death, terminal illness and TPD (up to age 99). The plan allows multiplier of up to 5 times of basic sum insured before age 70 or age 80. There are also optional riders such as early critical illness rider to enhance your coverage.
How it Benefits you?

Coverage and Benefits

  • Five levels of multiplier – 100%/ 200% / 300% / 400% / 500% of main sum assured until age 70 or 80 years old
  • Premium terms from 10 - 25 years (in intervals of five) or up to age 99

  • Financial Flexibility Option to convert the cash value to receive annual payouts, over 10 years from age 70 for your retirement needs

  • Health Advantage Benefit: Enjoy premium discount if you meet the criteria of set by Manulife

  • Retrenchment Benefit: Waiver of future premiums payable for 6 months

  • Early critical care rider covers up to 55 different CI groups*
  • Early critical care rider pays 20% of sum assured for 10 special beneifts condition
  • Complimentary coverage for Insured's child for advanced stage CI of $10,000
  • ICU Benefit of 20% of ECI sum assured
What we like about the plan?

 1.* Additional 20 extended advanced Stage CI coverage, on top of the standard 37 critical illness

 

2. Recovery Plus benefit: Receive 20% of supplementary sum assured if insured is admitted into ICU stay of 4 days or more

 

3. Serious illness of a child benefit: Complimentary coverage for Insured's Child

Case Studies

Source: Manulife

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