Here’s what you get with Protection Plan.
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Enjoy lifetime protection against death and total and permanent disability (TPD before age 70).
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Choose if you want to pay your premiums over 20 years, up to age 64 (last birthday), or up to age 84 (last birthday), depending on your entry age.
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Receive bonuses[1] based on the performance of the Life Participating Fund.
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Add riders for greater peace of mind.
Need more protection?
Enhance your coverage with riders.
Payor Premium Waiver 10 May
(Only applicable if the insured is not the policyholder)
You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider. 10 May
Enhanced Payor Premium Waiver
(Only applicable if the insured is not the policyholder)
You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally and permanently disabled (TPD before age 70), or are diagnosed with dread disease[2] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Early Cancer Waiver
You will not need to make future premium payments for your basic policy if you are diagnosed with early-stage cancer[3] during the term of the rider.
Dread Disease Premium Waiver
You will not need to make future premium payments for your basic policy if you are diagnosed with dread disease[2] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Your policy toolkit. 18/5
Eligibility and payment frequency
Policy type | Payment period | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
Limited | 20 years | 0 | 60 |
Limited | Up to age 64 | 0 | 55 |
Whole life | Up to age 84 | 0 | 64 |
You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Application forms
Your queries answered.
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Footnotes
- Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.
- 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 date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest) 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. - You can find the list of specified early-stage cancers and their definitions in the policy contract. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest). The insured must survive for at least 30 days from the date of diagnosis before we pay this benefit.
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 conditions 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 for Protection Plan and policy conditions for Limited Pay Protection Plan. 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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive may be zero or less than the premiums you have paid for the plan.
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.
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