ePROTECT lifetime

Enjoy lifetime protection plus retirement benefit. Peace of mind, for a lifetime.

    • Policy Term

    • Whole Life

    • Premium Term

    • 15 years

    • Product Type

    • Whole Life Protection

Features

High Protection Coverage

Guaranteed death benefit of up to 3 times sum insured upon death, TPD or TI, before age 65

Receive a Retirement Benefit and Lifetime Protection

Receive a non-guaranteed lump sum at age 65. Thereafter, continue to enjoy lifetime protection even after receiving this retirement benefit.

Lifetime Protection With Limited Commitment

15 years of premium payment only for a death protection for as long as you live.

Guaranteed Insurability Benefit

Option to increase coverage at certain life stages without the hassle of health checks.

Enhance your coverage

eXTRA multiplier

Boost your protection to 5 times the sum insured before age 65.

eXTRA secure (limited pay)

Get advance payment if you are diagnosed with any of the covered critical illnesses before age 65.

eXTRA secure waiver

Continue your policy without paying premiums if you are diagnosed with any of the covered critical illnesses.

eXTRA payer waiver

In the event of the payer’s death, Total or Permanent Disability, or any of the covered critical illnesses, premiums are waived until the life insured reaches age 25.

Here’s How It Works

Mr and Mrs Lee just had their first son, Peter (age 1). They plan to start saving for his future. With ePROTECT lifetime of sum insured of $100,000, they set aside $1,697 annually for 15 years.

Before the policy anniversary when Peter reaches age 65, he is guaranteed a death benefit of $300,000 (3 times the sum insured) in the event of death, TI or TPD. The death benefit payable is the sum insured with its attaching bonuses or $300,000, whichever is higher.

When Peter reaches age 65, he will receive a non-guaranteed lump sum retirement benefit of $136,183*, after which he will continue to be covered for $100,000 (basic sum insured) for life in the event of death, TI or TPD (before reaching age 71).

Mark (age 30, non-smoker) is looking for a plan that offers lifetime protection and retirement benefit. With ePROTECT lifetime of sum insured of $100,000, eXTRA multiplier and eXTRA secure (limited pay) riders, he sets aside $6,259 annually for 15 years.

Before the policy anniversary when Mark reaches age 65, he is guaranteed a death benefit of $500,000 (5 times the sum insured) in the event of death, TI, TPD or diagnosis of any of the covered critical illnesses. The death benefit payable is the sum insured with its attaching bonuses or $500,000, whichever is higher.

When he reaches age 65, he will receive a non-guaranteed lump sum retirement benefit of $60,284*, after which he will continue to be covered for $100,000 (basic sum insured) for life in the event of death, TI or TPD (before reaching age 71).

The scenario(s) above are for illustration purposes only.

* The above illustrated values use bonus rates assuming an illustrated investment rate of return of 4.75% per annum. Assuming an illustrated investment rate of return of 3.25% per annum, the lump sum retirement benefit received from ePROTECT lifetime under Scenario 1 and 2 are S$21,132 and S$11,054 respectively. The two rates, 4.75% per annum and 3.25% per annum, are used purely for illustrative purposes and do not represent the upper and lower limits on the investment performance of the participating fund. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your participating policy.

Downloads & Forms

Important Notes:

Age means the age at next birthday.

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value (if any) may be less than the total premium paid.

Information is correct as at 2 July 2018.

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