Whole Life

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

Bonus

N/A

Premium paying period

Verify the contract for the premium paying period

Policy fees

Varies, refer to policy contract if any are indicated 

Deposit load

N/A

Values, loans & withdrawals

Non forfeiture option: Yes

Loans: Yes

Withdrawals: Yes

Non-forfeiture option

Automatic premium loan (APL)

Loans

Loans are available

Withdrawals

Dividends may be withdrawn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 an illustration for a projected premium offset date

Death benefit

Basic coverage plus any dividends

Reinstatement period

2 years

Convertible

No, this is already in a whole life product