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Essential Lifetime Secure

Etiqa

Category

Whole Life

Coverage

Death, Total Permanent Disability, Terminal Illness

Coverage Term

Whole Life

Overview

Essential Lifetime Secure is a limited pay whole life plan that provides coverage against death, terminal illness, and total and permanent disability. Choose to increase your basic sum insured by up to 5x for up to age 86. On or after the policy anniversary when the life insured attains the selected multiplier expiry age, the multiplier benefit will reduce by 10% each policy year for five policy years. Thereafter, the multiplier benefit will remain the same throughout the policy term. Receive the option to get regular yearly payments starting from the policy anniversary immediately after the life insured attains age 65, for a period of 10 years.

Key Features

  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.

Earn up to 45% commission rebates*

*For eligible insurance plans only

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Understanding Whole Life Plan

Whole life insurance offers coverage for life and is commonly used for protection and legacy planning. This is unlike term insurance that only provides coverage for a specified period. Plans are usually offered on a participating basis and will accumulate cash value, allowing you to cash out should the need arise.

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Similar Plans

Singlife Whole Life Choice

Singlife

Covers:

Death, Terminal Illness

  • Boost your coverage by up to 400% of your base sum assured.
  • Select an age at which your additional cover gradually reduces by 12.5% per year over eight years.
Complete Life Secure

Income Insurance

Covers:

Death, Total Permanent Disability

  • Purchase another life policy and increase death and total permanent disability coverage without a health assessment at specified major milestones.
  • Boost your coverage with a Multiplier Cover of up to 500% until the age of 65, 75 or 80.
  • Option to convert a portion of your sum asssured into annual cash payout.
LifeReady Plus II

Manulife

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Enhance your protection up to 5X, till age 70 or 80.
  • Receive upfront premium discounts for the first 2 policy years, and continue to enjoy the discounted premium if you meet our health targets.
FWD Life Protection

FWD

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Boost your coverage and get up to 5 times the basic sum insured.
  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.
  • Covers for up to age 120