Stay protected with VivoLife.
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10 May Choose from three levels of protection[1] against death, total and permanent disability (TPD before age 70) and dread diseases[2]. 123
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123Stay covered against accidental death[3](before age 70).
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ABDChoose how long you want to pay for the premiums, from 5 to 25 years (in intervals of five) or up to age 64 or 84 (last birthday).
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22212You will not need to pay for premiums on your basic policy for up to six months if you are retrenched[4] and unable to find employment for three months in a row.
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ABCD25Add riders to get more protection such as against early and intermediate stage dread diseases.
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1122Enjoy bonuses[5] based on the performance of the Life Participating Fund.
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent tempor lorem est, eu sollicitudin arcu pellentesque nec. Vestibulum viverra nisi metus, at ornare orci interdum convallis. Cras interdum, leo at egestas rutrum, diam dui pellentesque risus, id interdum urna nulla in purus. Morbi a odio sapien. Curabitur scelerisque tellus sit amet urna pretium, quis cursus nunc sollicitudin. Nunc non justo quis est pretium fringilla. Nunc metus sem, aliquet et felis vel, suscipit vehicula neque. Phasellus suscipit, mi ac auctor rutrum, ante ex tempus justo, ut posuere tortor mauris ac turpis. Vestibulum imperdiet urna ut libero fringilla tincidunt. Vestibulum eu fringilla ligula, vel faucibus odio. Praesent facilisis sagittis elit, vitae egestas leo consectetur egestas. Aenean tincidunt, quam sed vehicula tempus, mauris tellus cursus ipsum, a fringilla ex risus id leo. Morbi lorem mauris, efficitur non consequat eget, consectetur viverra sapien. Suspendisse ut enim lectus. Duis in magna viverra, porttitor enim id, blandit neque.
Pick the plan that meets your needs. test 12/5
VivoLife 125
Before age 70
Receive the higher of the sum assured plus bonuses[5] or 125% of the sum assured if death, total and permanent disability or dread disease[2] occurs.
On or after age 70
Receive sum assured plus bonuses[5] if death or dread disease[2] occurs.
VivoLife 180
Before age 70
Receive the higher of the sum assured plus bonuses[5] or 180% of the sum assured if death, total and permanent disability or dread disease[2] occurs.
On or after age 70
Receive sum assured plus bonuses[5] if death or dread disease[2] occurs.
Need more protection?
Enhance your coverage with riders.
12Early Protect Accelerator Test 13 May
13 May Increase your total coverage to 121 medical conditions and cover up to $350,000[6] for early and intermediate stage dread diseases. Before the age of 70, enjoy three levels of protection from the minimum protection value[1], which will be based on the basic policy selected.
With the Advanced Restoration Benefit[7], you will also get extra coverage for stroke, major cancers, and heart attack of specified severity after an early or intermediate stage dread disease claim is made.
The rider provides additional payouts under the special benefit[8][9] and juvenile benefit[9][10].
Early Cancer Waiver 10 May
You will not need to make future premium payments for your basic policy if you are diagnosed with early stage cancer[11] during the term of the rider. 10 May
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.
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 or are totally and permanently disabled (TPD before age 70) during the term of the rider.
Enhanced Payor Premium Waiver 13 May
(Only applicable if the insured is not the policyholder) 13 May
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.
Deluxe Care Rider 14-03-2023
Let us walk you through VivoLife. 18/5
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How VivoLife works 18/5
30 years oldMr Tan, a non-smoker, buys a VivoLife 350 plan with a sum assured of $100,000.
He adds the Early Protect Accelerator rider1 with a sum assured of $50,000 for extra protection against early and intermediate stage dread diseases.
He pays a yearly premium of $5,369 for 15 years.
35 years oldMr Tan is diagnosed with dengue haemorrhagic fever.
- Benefit payable
- 30% of the rider's sum assured under the special benefit1, 2
- Payout amount
- $50,000 x 30% = $15,000
40 years oldMr Tan is diagnosed with early stage prostate cancer.
- Benefit payable
- Early Protect Accelerator rider1 accelerates $50,000 from the basic policy
- Payout amount
- $50,000 x 350% = $175,000
- Remaining sum assured on basic policy
- $50,000
After 24 monthsMr Tan enjoys extra coverage from the rider’s Advanced Restoration Benefit5.
- Extra Coverage
- Up to 50% of the rider’s minimum protection value4
60 years oldMr Tan is diagnosed with advanced stage lung cancer.
- Benefit payable
- Remaining sum assured on basic policy + Advanced Restoration Benefit5 from rider
- Payout amount
- From basic policy
($50,000 x 350%) = $175,000 - From rider:
50% x ($50,000 x 350%) = $87,500 - Total payout = $262,500
- From basic policy
Policy and rider end with this claim.
Mr Tan has received a total payout of $452,500 from his policy and rider.70 years oldIf there is no claim up to this point, Mr Tan can look forward to an illustrated cash value of $118,6766 (illustrated yield of 1.18% p.a.6).
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
1 Early Protect Accelerator is an accelerated whole life rider that provides coverage for early and intermediate stage dread diseases. We will pay the benefits if the insured is diagnosed with an early or intermediate stage specified dread disease. Any early and intermediate stage dread disease benefit payment made under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of its basic policy according to the reduction in sum assured of the rider. Any future premiums, claims or cash value of the basic policy will be based on the reduced basic sum assured and bonuses.
If you succeed in claiming the early and intermediate stage dread disease benefit, the special benefit and juvenile benefit will end. You will stop making premium payments on the rider. The rider will continue to apply for the Advanced Restoration Benefit.
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 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, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy contract for further details.
2 We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each special benefit. At most, we will pay this benefit five times, as long as each claim is not for the same special benefit as any of the earlier claims.
3 We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease any time before or 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 seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit.
4 The minimum protection value is calculated as 125%, 180% or 350% of the sum assured before age 70, based on the basic policy selected. For VivoLife basic policy, the minimum protection value is only applicable upon death, total and permanent disability (TPD) or diagnosis of dread disease of the insured.
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 basic policy 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.
6 The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.75% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
© 2019 Income. All rights reserved.
Your policy toolkit. 18/5
Eligibility and payment frequency
Premium term | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
5 | 0 | 64 |
10 | 0 | 64 |
15 | 0 | 64 |
20 | 0 | 64 |
25 | 0 | 59 |
Up to age 64 (last birthday) | 0 | 54 |
Up to age 84 (last birthday) | 0 | 64 |
You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Application forms
Other documents
Your queries answered.
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Footnotes
- The minimum protection value is calculated as 125%, 180% and 350% of sum assured before age 70, based on the basic policy selected. For VivoLife basic policy, the minimum protection value is only applicable upon death, total and permanent disability (TPD) or diagnosis of dread disease of the insured.
- We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the date we issue the policy, include or increase any benefit, or reinstate the policy (whichever is latest) 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 what we would have paid for the other dread diseases, 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. The basic policy will continue with a reduced sum assured. - Accidental death benefit is payable only if insured’s death happens within 365 days of the accident. 200% of the sum assured in addition to the death benefit will be paid out for this benefit only if the insured is age 69 or under, and is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 60% of the sum assured. Standard exclusions apply as well. Please refer to the policy contract for further details.
- VivoLife policy must be valid and in force for at least six months from the date we issue the policy, include or increase any benefit, or reinstate the policy (whichever is latest) with at least six months of premiums paid. Only premiums on the basic policy (excluding any supplementary riders attached) will be waived up to a maximum of six months of premiums. The retrenchment benefit can only be claimed once.
- Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
- 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) for each early and intermediate stage dread disease.
- 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 basic policy 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.
- We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each special benefit. At most, we will pay this benefit five times, as long as each claim is not for the same special benefit as any of the earlier claims.
- We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease any time before or 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 seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit.
- We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each juvenile benefit. At most, we will pay this benefit five times, as long as each claim is not for the same juvenile benefit as any of the earlier claims. We will not pay for any congenital defect or disease which has shown its signs or was diagnosed before the insured reaches the age of six for the juvenile benefit, unless the claim is for osteogenesis imperfecta, severe haemophilia, or Type I juvenile spinal amyotrophy.
- 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. If you have purchased VivoLife for your loved ones (3rd party policy) and would like to include Early Cancer Waiver rider, you will have to include an Enhanced Payor Premium Waiver rider or Dread Disease Premium Waiver rider too. If you have purchased VivoLife for yourself (1st party policy) with the Early Cancer Waiver rider, you cannot attach the Early Protect Accelerator rider. 19/5
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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.
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Important Notes
This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions for VivoLife 125, VivoLife 180 and VivoLife 350. 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 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. 19/5
Information is correct as of 23 July 2019.
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Information is correct as of 8 February 2024.
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