
LifeReady |
VivoLife |
TM Legacy Lifeflex |
Senior Policy* |
ReadyIncome |
ManuSignature One |
|
Insurer |
Manulife |
NTUC Income |
Tokio Marine |
NTUC Income |
Manulife |
Manulife |
Coverage |
Death, Terminal Illness (TI) and Total Permanent Disability (TPD to age 70) |
Before age 70: Death, diagnosis of dread disease (advanced CI), Total permanent disability (TPD), accidental death + Terminal illness (TI) On or after age 70: death, diagnosis of dread disease |
Death, Terminal Illness (TI) and Total Permanent Disability (TPD to age 70) |
Death and Total Permanent Disability (TPD to age 70) |
Death and Terminal Illness (TI) |
Option of either death, Terminal Illness (TI) and Total Permanent Disability (TPD to age 70) or Death and Terminal illness (TI) |
Premium Payment Term |
10, 15, 20 or 25 years or up to age 99 |
5, 10, 15, 20 or 25 years or up to age 64 or 84 ALB |
10,15,20 or 25 years |
10 years payment for lifetime coverage |
5, 10, 15, 20 years |
Single premium |
Enhanced Protection |
Multiply your protection up to 5X before age 70 |
Up to 200% sum assured on top of death benefit in case of accidental death 3 levels of enhanced protection: 125/180/350% of sum assured before age 70 |
Up to 10X before age 65 |
- |
- |
Minimum protection benefit (MPB) offers up to 300% of SA for death protection |
Benefits |
Health Advantage - premium discount for good health Option to upgrade coverage at 4 life milestones with no medical questions asked |
Retrenchment benefit - choose not to pay premiums for up to 6 months if retrenched and unable to find employment for 3 continuous months Retirement income - option to convert policy to annuity plan from your 60th birthday onwards for an extra 5% of its cash value Smokers can enjoy the same premium rates as non-smokers |
Income for life from age 65 onwards Wellness benefits (only offered with EarlyCare Rider) - S$100 every 2 years regardless of any prior claims |
Guaranteed acceptance if not hospitalised for past 12 months from application date No medical examination Protect your golden years |
Guaranteed yearly income from end of second policy year Policy can be transferred to your child when he/she reaches age 18 Premiums waived upon TPD of life insured Maturity benefit - lump sum paid out upon reaching age 99 (105% of premiums paid, non-guaranteed maturity bonus and any yearly income) Guaranteed acceptance with no medical check-up required
|
Guaranteed cash value of 80% from day one of policy |
Participating Plan |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
*Entry age for policy is from 49 to 69 years old and the individual can be insured for up to S$15,000 of sum assured.
For smokers: VivoLife
Enjoy same premium rates as non-smokers for your base plan.
For those considering retirement: Vivolife or TM Legacy Lifeflex or ReadyIncome
These policies offer the option of receiving additional income which could help with your retirement planning.
For flexibility: LifeReady
Receive the option to upgrade your coverage at 4 life stages with no questions asked.
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 |
Interested to learn more? Check out these articles:
Here's How Money Can Buy You Happiness
Want An Early Retirement? Find Out How Much It Costs
