Huat are you waiting for? Get $50,000 coverage for one year from just $3.50 !^

Huat’s up! Get up to $1 million fuss-free coverage immediately with our in-house plan: iFAST Digital Term.

iFAST Digital Term is a term insurance plan that provides coverage for death and terminal illness (TI), and can be purchased online on your own. There is no need to go through an adviser for your purchase, and no medical check-up is required to purchase this coverage. Policy will be issued immediately once payment is processed.

How much does it cost to get covered for $50,000?

Premiums are for a non-smoker profile for iFAST Digital Term, and are accurate as of 2 January 2025.

Customise your coverage and only pay for coverage you need with four optional riders

1. Total Permanent Disability (TPD)

This rider provides a lump sum payment in the event of the insured’s complete inability to engage in any gainful employment at that point and for the remainder of his/her lifetime as a result of injury or illness.

2. Cancer360

This rider covers for all stages of cancer, and provides a lump sum pay-out upon diagnosis of early-stage to late-stage cancer.

💡 Tip: Did you know that our Cancer360 rider is given on an additional basis? This means that claims paid out for your Cancer360 rider will not reduce the sum assured of your base iFAST Digital Term plan.

3. Cancer Plus

This rider provides a lump sum benefit of up to $1 million coverage for late stages of cancer. Similar to Cancer360 rider, claims paid out for your Cancer Plus rider will not reduce the sum assured of your base iFAST Digital Term plan.

4. Hospital Cash

This rider offers a benefit of $100, $200, or $300 daily hospital cash and will pay for up to 180 days of hospitalisation a year. Benefit is doubled if hospitalisation occurs in Intensive care units (ICUs).

💡 Tip: purchase multiple policies to receive a higher hospital cash benefit in the event of a hospitalisation.

(Read: What is hospital cash benefit, and why will I need this?)

Get up to $1 million coverage in 4 simple steps!

Step 1: Click on the button below to check your prices or log into your FSMOne Account to have your details pre-filled.

Step 2: Select your coverage type, and amount needed.

Psst, see how much you can save with our projected commission rebates!

💡 Tip: If you need more time to complete your application, simply click on the “Save” button. Your application will be saved for 3 months for you to revisit when convenient.

Step 3: Answer 3 to 4 health questions, and proceed to review your application.

Step 4: Enter promo code "HUAT" at policy purchase page and proceed to pay with monies from your Cash Account. Your policy will be issued immediately!

Our Commission Rebate Program

Did you know – We will rebate 30 to 45% of the total commission we receive from the insurer to you? This is applicable for eligible policies in which premiums are paid for with cash. Find out more here.

^{*Terms and Conditions:}

1. This Campaign (the “Campaign”) is valid from 10 January 2025 to 16 February 2025, both dates inclusive (the “Campaign Period”).
2. $8 Angbao (the “Reward”) will be given as FSMOne Cash Account Credits and will be awarded for new iFAST Digital Term purchases made during the Campaign Period. To qualify for the Reward, purchase must be made for a minimum sum assured amount of $50,000 base coverage, and the promo code "HUAT" must be entered on the “Policy Purchase” page during your payment process to be eligible for the Reward. For the avoidance of doubt, only one promo code can be used per purchase.
3. Cash Account credit will be processed within 3 weeks after the end of the Campaign Period.
4. There is no limit to the number of Reward(s) each client is entitled to. Client may purchase multiple iFAST Digital Term policies to receive multiple Rewards.
5. Client must be an FSMOne account holder to receive the Reward. New account holders are also eligible for this promotion. Clients without the FSMOne account are not eligible for the Reward. Name of the policyholder must match the name registered with the FSMOne Account Number in order to be eligible for the Reward.
6. For the avoidance of doubt, iFAST Digital Term renewals will not be eligible for the Reward.
7. FSMOne reserves the right to replace the reward of similar value without prior notification.
8. FSMOne reserves the right to amend the Terms and Conditions without prior notification and has the final decision on all matters relating to this campaign. Any appeal will not be entertained.

^Disclaimer:

^{^Profile: Age 30 (DOB: 01/01/1995), non-smoker female. The price of $3.50 takes into consideration the $8 Angbao eligible clients will receive for their purchases.}

^{All materials and contents found in this advertisement are strictly for information purposes only and should not be considered as an offer or solicitation to transact in any product. This advertisement is not a contract of insurance.}

^{Insurance products are underwritten by the respective insurance partners and distributed by iFAST Financial Pte Ltd (“iFAST”). You are advised to review the specific terms, conditions and exclusions in the relevant policy contract.}

^{All materials and contents found in this advertisement do not have any regard for the specific financial objectives, financial situation and particular needs of any specific person. You are advised to read the key product documents, including (but not limited to) the product summary, precise terms, conditions and exclusions specified in the relevant policy contract and consider carefully before deciding whether the product is suitable for you. If you are uncertain about the suitability of a product, please seek advice from a financial adviser before making a decision to purchase the product.}

^{While iFAST and its third-party providers strive to provide accurate and timely information, there may be inadvertent omissions, inaccuracies, and typographical errors. Opinions expressed herein are subjected to change without notice. More information on iFAST Digital Term can be found here: https://secure.fundsupermart.com/fsmone/insurance/ifast-digital-term.}

^{Purchasing a life insurance policy is a long-term commitment, and early termination may involve significant costs. The surrender value, if any, may be zero or less than the total premiums paid.}

^{This advertisement has not been reviewed by Monetary Authority of Singapore.}