Whole Life

Estate Protector

Original line of business: Manulife

Updated on: Dec 13, 2018

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Product snapshot

The Estate Protector is a whole life plan that may be participating or non-participating.

Basic product information

Product administration guide: N/A

Sample contract: N/A

Dividend options: Yes

Bonus: N/A

Dividend options

  • Cash
  • Premium reduction
  • Accumulation
  • Paid-up additions



Premium paying period

The contract will have to be verified for the premium paying period

Policy fees


Deposit load


Values, loans & withdrawals

Non forfeiture option: Yes

Loans: Yes

Withdrawals: Yes

Non-forfeiture option

Automatic premium loan (APL)


Loans are available


Dividends may be withdrawn

Cash value

This policy has guaranteed cash values

Reduced paid up

Reduced paid up option is available

Riders & benefits

Premium offset/holiday: Yes

Premium offset/holiday

Premium offset may be available for participating policies. Request a premium offset illustration

Death benefit

Basic coverage plus any dividends

Reinstatement period

Two years


No, already in a permanent product