Essential life cover

Life protection with flexibility with retirement option for greater comfort.
Enjoy peace of mind, for a lifetime.

Policy Term

Whole life

Premium Term

5, 10, 15 or 20 years

Product Type

Whole life protection


Protection with flexibility to enhance cover
Choose to multiply your protection by 200%, 300% or 400% of the basic sum insured till age 65 or 80.
Receive yearly payment1
Starting from the policy anniversary after the life insured attains age 65, for a period of 10 years.
Limited commitment
Pay premiums for 5, 10, 15 or 20 years to get lifetime protection for as long as you live.
Guaranteed insurability benefit
Option to increase your coverage at certain life stages without the hassle of health checks.
Exclusive Health Screening Reimbursement benefit.
Receive up to S$200 reimbursement for each health screening within the second and fourth policy year.
This benefit could be used by your spouse, children and parents.

Enhance your coverage

Extra secure CI

Be covered against 37 critical illnesses and having the flexibility to accelerate your payout by 20%, 50%, 80% or 100% of the death benefit of the basic policy1.

Extra assure early CI

Get protected for early, intermediate or severe stage of critical illnesses with the option to accelerate your payout by 20%, 50%, 80% or 100% of the death benefit of the basic policy1. You will also receive a monthly payout of 1% of your rider’s basic sum insured1 for a period of 12 months upon diagnosis with a severe stage of a covered critical illness. In addition, safeguard against 24 special conditions1 and receive an additional 20% of the rider’s basic sum insured1 in one lump sum.

Extra secure waiver 

Continue your policy without paying premiums  upon diagnosis with any of the 37 covered critical illness.

Extra payer waiver

Continue the policy without paying premiums until the life insured reaches age 25, upon the payer’s death, diagnosis of total & permanent disability or any of the 37 covered critical illness.

1Please refer to policy contract for full details of the terms and conditions

Here’s How It Works

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

2 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 total surrender value at age 65 would be S$58,888 and the corresponding yield upon surrender would be 2.12%. p.a. for scenario 1 and the death benefit would be S$132,074 for scenario 2. 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.

Speak to an adviser today

You can speak to an adviser by completing the form below to customise your protection needs:

1 Step 1

Preferred timing to be contacted

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By clicking the “Submit” button, you confirm that you have read and understood and hereby agree to be bound by the data protection and privacy statement of Etiqa Insurance Pte. Ltd. and its related corporations (collectively, the “Maybank Group”), as may be amended, supplemented and/or substituted by the Maybank Group from time to time. You also consent to the collection, use and disclosure of your personal data by the Maybank Group for follow-up regarding products that may be suited to your needs.

Important Notes:

Age means the age at next birthday.
This policy is underwritten by Etiqa Insurance Pte. Ltd., a member of Maybank Group.
This brochure is published for general information only. It does not have any regard to the specific financial or investment objectives, financial situation and the particular needs of any specific person who may read this document and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.


As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You are recommended to read the Product Summary, Policy illustration and policy document for the exact terms and conditions, specific details and exclusions applicable to this insurance product that can be obtained from any of our product distributors; and seek advise from a financial adviser before deciding whether to purchase the policy. In the event that you choose not to seek advise from a financial adviser, you should consider whether the policy is suitable for  you and meets your needs in your objectives, financial situation and particular needs.


This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC website ( or


This advertisement  has not been reviewed by the Monetary Authority of Singapore
Information is correct as at 24 September 2020.