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Essential whole life cover
Home / Personal / Life & Critical Illness Protection / Essential whole life cover

Essential whole life cover

Whatever life throws in your way, Etiqa’s comprehensive whole life insurance ensures financial security for you and your loved ones.
Home / Personal / Life & Critical Illness Protection / Essential whole life cover

Policy type

Whole life plan

Policy term

Lifetime

Premium term

5, 10, 15 or 20 years

What you can get

Lifetime protection icon

Lifetime protection

Enjoy continuous protection against death, total & permanent disability (until age 70) and terminal illness. You will have the option to multiply your protection up to 400% of the basic sum insured, with a choice of duration till age 65 or 80.
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Cash for retirement

When it’s time to enjoy your golden years, boost your retirement income! Choose to receive regular income1 from your policy for 10 years after you turn 65.
Flexible premium term icon

Flexible premium term

Choose to pay your premiums over 5, 10, 15 or 20 years, depending on your financial needs. 
Guaranteed future insurability icon

Guaranteed future insurability1

Need more protection as you progress in life? Grow your coverage with additional insurance from Etiqa such as when you graduate from tertiary education, get married or welcome a child – you don’t need to show further proof of good health.

Enhance your protection with these add-ons

Early CI protection rider

Get advanced payout for death benefit of the basic policy1 if you are diagnosed with any of the 35 covered early, intermediate or severe stages of critical illnesses.

1Receive 12 additional monthly payouts if you are diagnosed with any of the 35 covered severe-stage critical illnesses.

1Receive additional payout if you are diagnosed with any of the 23 special conditions.

CI protection rider

Get advanced payout for death benefit of the basic policy1 if you are diagnosed with any of the 36 covered severe-stage critical illnesses.

Extra secure waiver

We will waive off the premiums of the basic policy up to age 86 or the end of the premium term of the policy, whichever is earlier, if you are diagnosed with any of the 37 covered severe-stage critical illnesses.

Extra payer waiver

We will waive off the premiums of the basic policy before the Life Insured reaches age 25 or the end of the premium term of the policy, whichever is earlier in the event of the Policyholder’s death, diagnosis of total & permanent disability or any of the 37 covered severe-stage critical illnesses.

Notes

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

Here’s how Essential whole life cover works

How Essential whole life cover works

Download Brochures

Product Brochure: Essential whole life cover
Policy Contract: Essential whole life cover
Policy Contract: Early CI protection rider
Policy Contract: CI protection rider
Policy Contract: Extra secure waiver rider
Policy Contract: Extra payer waiver rider

Age means the age at the next birthday.

This policy is underwritten by Etiqa Insurance Pte. Ltd.. 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.

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 should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

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 websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information on this page is correct as of 29 September 2023.

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I expressly authorise and consent to Etiqa, its officers and employees at their sole discretion, to disclose any and all information relating to me, including my personal particulars, my transactions and dealings and my policies of insurance with Etiqa, to any of the following persons, whether in Singapore or elsewhere:

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  3. Any regulatory, supervisory or other authority, court of law, tribunal or person, in any jurisdiction, where such disclosure is required by law, regulation, judgement or order of court or order of any tribunal or as a matter of practice;
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  5. Any credit bureau, insurer or representative, for such purpose(s) that Etiqa in its reasonable opinion considers appropriate including but not limited to the purpose(s) of underwriting, customer servicing, investigation of Etiqa’s representatives and monitoring undesirable sales practices.

Eligibility Conditions

  1. The Insured, also known as the Applicant / Proposer, must be a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass.
  2. The Applicant/Proposer must be at least 18 years of age.
  3. For more information, please view our Policy Wording

Thanks for your interest.

Our Assurance Manager will reach out to you within 2 working days to assist you further.