iTerm

Footnotes

1. Guaranteed renewal is applicable only if there is no claim on your policy during the contract term and the insured is age 79 (last birthday) and below. We will renew your policy for the same sum assured and contract term. However, if the insured’s 84th birthday falls within the next contract term, we will only renew it for a shorter term (in multiples of 5 years) such that the renewal term will not exceed the insured’s 84th birthday. The renewal premium will be determined by Income.
2. You can find the list of specified dread diseases and their definitions in their respective policy contracts. We will not pay this benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancers, heart attack of specified severity and coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the rider sum assured, subject to a maximum amount of $25,000. The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment, and the sum assured of the rider will be reduced accordingly after the payment.
   For Dread Disease Premium Waiver and Enhanced Payor Premium Waiver, the premium waiver benefits do not apply for angioplasty and other invasive treatment for coronary artery.
   Cover start date refers to the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest).
3. Total Protect is a rider that provides coverage against early, intermediate and advanced stage specified dread disease. We pay the sum assured under this rider upon diagnosis of the insured with one of the specified dread diseases (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. Any payment for an early and intermediate stage specified dread diseases will reduce the sum assured of the rider to zero. You can find the list of early, intermediate and advanced stage specified dread diseases and their definitions in their respective policy contracts.
4. If you are successful in claiming the early and intermediate stage dread disease benefit, all benefits under this rider will end except the Advanced Restoration Benefit. You will stop making premium payments on this rider. This rider will continue to apply for the Advanced Restoration Benefit during this period even though you are not paying the premiums.
   We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days after the cover start date for major cancers, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery.
   We will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured).
   Please refer to the policy contract for further details. 
5. You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your rider term has not ended. We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke, major cancers, and heart attack of specified severity). Once we make payment under this benefit, the rider will end.
   We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy contract for further details

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. This plan does not have any cash value.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as of 23 July 2019.

Information is correct as of 8 February 2024.