Whole Life

J-84 Estate Protector

Original line of business: Manulife

Updated on: Dec 13, 2018

Product snapshot

The Estate Protector is a whole life plan that may be participating or non-participating. Verify the contract for the premium paying period.

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

Verify the contract for the premium paying period

Policy fees

Varies, refer to policy contract if any are indicated

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Dividends may be withdrawn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 is available

Riders & benefits

Premium offset/holiday: Yes

Premium offset/holiday

  • Premium offset may be available for participating policies
  • Request an illustration for a projected premium offset date

Death benefit

Basic coverage plus any dividends

Reinstatement period

You may apply to reinstate your policy at any time within two years after the start of the grace period


No, this is already in a whole life product