VivoAssure LB Cache Retest 1302

1. Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
2. For VivoAssure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Assure Accelerator rider’s and Early Assure Accelerator rider’s minimum protection value will follow VivoAssure’s minimum protection value.
3. Advanced Assure Accelerator is an accelerated whole life rider that provides coverage for dread diseases and a major impact benefit. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days after the cover start date for major cancers, heart attack of specified severity, 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 sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider.

   Please refer to the policy contract for further details.

   Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).

4. We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illness any time before or within 90 days after the cover start date. Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. 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 conditions for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions for VivoAssure. 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 can be substantially 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 websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).

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