
Star Assure |
LifeReady Plus |
Ready LifeIncome |
TM Legacy Lifeflex |
|
Insurer |
NTUC Income |
Manulife |
Manulife |
Tokio Marine |
Coverage |
Death, Terminal Illness (TI) and Total Permanent Disability (TPD to age 70) |
Death and Terminal Illness (TI) |
Death, Terminal Illness (TI), Total Permanent Disability (TPD) up to age 70 age next birthday (ANB) |
|
Premium payment term |
5, 10, 15, 20, 25 or 30 years or up to age 64 age last birthday (ALB) |
10, 15, 20 or 25 years or up to age 99 age last birthday (ALB) |
5 or 10 years |
10, 15, 20 or 25 years |
Enhanced coverage |
Up to 500% coverage before age 70 Up to 200% sum assured on top of death benefit in case of accidental death |
Up to 5X coverage before age 70 |
- |
Up to 10X coverage before age 65 ANB |
Pay-outs |
- |
Accumulate cash value while enjoying coverage with the option to convert cash value from policy into annual payouts over 10 years |
Receive pay-outs up to age 120 from end of policy year 5 or 10 (dependent on premium payment term) |
Receive a lifetime of income (non-guaranteed annual dividends) from age 65 |
Additional benefits |
Option to cash-out policy if you have been paying premiums for at least 2 years or convert policy to a paid-up policy with a reduced sum assured Retrenchment benefit: Choose not to pay premiums for up to 6 months if retrenched and unable to find employment for 3 continuous months |
Health Advantage: Enjoy upfront premium discounts for first 2 policy years and continue to enjoy premium discounts after policy year 2 if you meet health targets Option to upgrade coverage at 4 life milestones with no medical questions asked (graduation tertiary, marriage, first home, parenthood) Retrenchment benefit: If you or your spouse is retrenched and remain unemployed for 30 days or more, 6 months of your premiums will be waived while coverage continues |
Secondary life insured option: Transfer your plan to your child who can then transfer it to their child Waiver of future premiums upon TPD Premium freeze option allows you to stop paying premiums for 1 year |
Wellness benefit (only offered with EarlyCare Rider): Receive S$100 every 2 years regardless of any prior claims |
Participating plan |
Yes |
Yes |
Yes |
Yes |
Simple, high coverage, affordable. Insurance done right for your family.
For smokers: VivoAssure
Smokers and non-smokers will enjoy the same premium rates on their base plan.
For retirement considerations: ReadyLife Income and TM Legacy Lifeflex
Receive lifetime pay-outs to supplement your retirement income.
For guaranteed future insurability: LifeReady Plus
Upgrade your coverage at 4 life milestones with no questions asked.
Available Whole Life Insurance |
Etiqa Insurance - ePREMIER Diamond, ePREMIER Legacy III, ePREMIER Legacy IV Manulife - LifeReady Plus, Ready LifeIncome, Signature Income NTUC Income - Star Assure, Star Prime Life, Wealth Solitaire Tokio Marine - TM Legacy Lifeflex |
Whole Life insurance is suitable for:
Whole Life insurance is not suitable for:
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Available Products on FSMOne Insurance |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Etiqa Insurance, 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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