Term coverage
Pay insurance premiums on a regular basis only for the period you want to be covered.
- Depending on the policy, you receive a one-time payout upon death, total and permanent disability, terminal illness or critical illness during the policy term
- Insurance coverage stops at the end of your policy term, but you can choose from yearly-renewable basic term plans with either S$50,000 or S$100,000 sum assured
Whole life coverage
Enjoy lifelong protection against death, total and permanent disability with limited premium payment term.
- Depending on the policy, you pay only for 10 or 15 years and you can customise your protection by choosing from a list of supplementary benefits which include coverage for 30 critical illnesses
- Growth in your protection value with the addition of non-guaranteed bonus every year
30 critical illnesses
- Heart attack
- Stroke
- Coronary artery bypass surgery
- Major cancers
- Kidney failure
- Fulminant hepatitis
- Major organ / bone marrow transplantation
- Paralysis (loss of use of limbs)
- Multiple sclerosis
- Primary pulmonary hypertension
- HIV acquired occupationally or due to blood transfusion
- Alzheimer’s disease / severe dementia
- Blindness (loss of sight)
- Coma
- Deafness (loss of hearing)
- Heart valve surgery
- Loss of speech
- Major burns
- Surgery to aorta
- Terminal illness
- Muscular dystrophy
- End-stage lung disease
- End-stage liver failure
- Motor neurone disease
- Parkinson’s disease
- Aplastic anaemia
- Benign brain tumour
- Major head trauma
- Bacterial meningitis
- Progressive scleroderma
Income replacement
Receive annual payouts as replacement for lost income following the date of claim (for total and permanent disability) until the end of policy term.
- Receive insurance payout equivalent to three times the annual income benefit immediately upon death, total and permanent disability or critical illness (optional) during your policy term
- If no claims were made during the policy term, you receive a lump-sum maturity value equivalent to three times the annual income benefit
Coverage for 30 critical illnesses
- Heart attack
- Stroke
- Coronary artery bypass surgery
- Major cancers
- Kidney failure
- Fulminant hepatitis
- Major organ / bone marrow transplantation
- Paralysis (loss of use of limbs)
- Multiple sclerosis
- Primary pulmonary hypertension
- HIV acquired occupationally or due to blood transfusion
- Alzheimer’s disease / severe dementia
- Blindness (loss of sight)
- Coma
- Deafness (loss of hearing)
- Heart valve surgery
- Loss of speech
- Major burns
- Surgery to aorta
- Terminal illness
- Muscular dystrophy
- End-stage lung disease
- End-stage liver failure
- Motor neurone disease
- Parkinson’s disease
- Aplastic anaemia
- Benign brain tumour
- Major head trauma
- Bacterial meningitis
- Progressive Scleroderma


