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Products > Insurance > Disability > Proguard Series

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Understanding Proguard Series

What it is
Proguard Series offers your clients one of the most comprehensive income replacement protection products available in the market, if they become disabled and are unable to earn an income.

Who it’s for
Designed to meet the unique needs of professionals and executives (including students and new graduates), Proguard Series is ideal for:

  • Comprehensive income replacement
  • Top-up of employer-provided long term disability benefits
  • Protection for employees through an Income Loss Replacement Plan

How it works
Proguard Series pays your client a monthly benefit if they are totally, partially or residually disabled.

Issue ages
Occupation classes
Benefit periods
Elimination periods (days)
Premium
18 – 60 (age nearest)
4S, 4A, 3A, 2A
To 65, 5 years, 2 years
30, 60, 90, 120, 730
Level to age 65, renewable after age 65 if working


With Proguard Series’ market-leading coverage, your clients can: 

  • Be certain their premiums and coverage won’t change if their occupation or health changes
  • Get an additional 25% of the monthly benefit for catastrophic disability
  • Help keep pace with their income with the built-in Automatic Coverage Enhancement feature
  • Receive partial or residual benefits if they continue working in a limited capacity
  • Plan ahead with the built-in Future Care Option which gives your clients the opportunity to exchange their disability coverage for a long term care insurance plan when the time is right
  • Access  Manulife’s Grad Advantage Program which waives  financial underwriting for students and new grads in select professions with potential premium discount

Our team of insurance wholesalers are ready to deliver value through case support, revenue-producing ideas and advice.


Additional features
Regular Occupation definition of total disability 

  • Non-occupational coverage if they are on leave (such as maternity/paternity) or sabbatical

Optional riders:

Note: Above features may be subject to terms and conditions


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