
ManuProtect Term |
i-Term |
TM Term Assure |
TermLife Solitaire* |
ManuSignature Term* |
|
Insurer |
Manulife |
NTUC |
Tokio Marine |
NTUC |
Manulife |
Coverage |
Death and Terminal Illness (TI) |
Death, Terminal Illness (TI) or Total Permanent Disability (TPD before age 70) |
Death, Terminal Illness(TI) or Total Permanent Disability (TPD attached as a compulsory rider) |
Death and Terminal Illness (TI) |
Death and Terminal Illness (TI) |
Pay out conditions |
Policy remains in force for death benefit if sum insured is not fully paid out following a TI claim. Pay out for TI is capped at S$1 million |
Upon diagnosis of TI, pays out in one lump sum and policy terminates thereafter |
Lump sum pay out upon death, TI or TPD |
Upon diagnosis of TI, pays out in one lump sum and policy terminates thereafter |
Policy remains in force for death benefit if sum insured is not fully paid out following a TI claim. Pay out for TI is capped at S$1 million |
Policy Term |
5 to 40 years, up to age 85 |
5, 10, 15, 20, 25, 30 or 35 years term, up to age 84 |
5 years or up to age of 85 |
10, 15, 20, 25, 30, 35 or 40 years up to age 64, 74, 84 or 100 (Age Last Birthday) |
5 to 40 years, up to age 85 |
Renewability |
Guaranteed renewal up to age 85 for policy term of 5 to 10 years |
Guaranteed renewal up to age 84 (Age Last Birthday) |
Guaranteed renewable for policy term of 5 to 10 years and up to 80 and 75 years old respectively |
Guaranteed renewable if insured is age 75 and below and valid up to age 100 (Age Last Birthday) |
Guaranteed renewable to age 85 |
Convertibility |
Yes, to any regular-premium life insurance plan at same sum assured. Privilege must be exercised before the age of 65 |
Not convertible |
Yes, to any regular premium whole life or endowment plan up to sum assured of original policy. Privilege must be exercised before age 60 |
Not convertible |
Yes, to any life insurance plan for same sum assured of original policy. Privilege must be exercised before age 65 |
Benefits |
Quit smoking incentive - enjoy non-smoker premium rates for first 3 policy years and continue to enjoy non-smoker rates from fourth year onwards if you've successfully quit smoking. Incentive only available for term policies of 11-40 years with a minimum sum assured of S$500,000 |
Familiar, household brand |
Competitive pricing |
Can be used to insure key personnel to mitigate financial impact should a disaster strike. Alternatively, use this policy to leave a legacy |
Enjoy preferred premiums rates for good health. Insure key personnel to mitigate financial impact should a disaster strike. Quit smoking incentive - enjoy non-smoker premium rates for first 3 policy years and continue to enjoy non-smoker rates from fourth year onwards if you've successfully quit smoking. Incentive only available for term policies of 11-40 years |
Premium Payment Method |
Regular Premium |
Regular Premium |
Regular Premium |
Regular Premium |
Regular Premium |
*Policies require a minimum sum assured of $1 million
For Smokers: ManuProtect Term or ManuSignature Term
Enjoy lower premium rates with the quit smoking incentive.
For the price conscious: TM Term Asssure
Policies are priced competitively thus offering protection at a low cost.
For familiarity: i-Term by NTUC
A household brand, its recognisable brand name provides familiarity to most Singaporeans.
How FSMOne can help you get on track
Our team of friendly advisers are able to help you review your financial objectives, long term commitments, and offer you investment and insurance advice specific to your needs. If you would like assistance in reviewing your financial and protection portfolio, or simply to get a quote for an insurance plan,
Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Manulife, NTUC Income and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on FSMOne Insurance |
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