Essential whole life cover

Assurance for a lifetime for those who matter to you

A whole life insurance plan providing a coverage of up to 400% of basic sum insured with limited-pay premium terms.

Policy Term

Whole Life

Premium Term

5, 10, 15 or 20 years

Product Type

Whole Life Plan

Features

  • Lifetime protection with flexibility to enhance coverage
    Enjoy continuous protection against death, total & permanent disability (until age 70) and terminal illness. Essential whole life cover provides you the choice to multiply your protection by 200%, 300% or 400% of the basic sum insured, with a choice of duration till age 65 or 80.
  • Guaranteed insurability benefit
  • Enjoy the option to purchase1 another plan at certain life stages without proof of good health, in the event of marriage, birth or adoption of your children or graduation from tertiary education.
  • Limited premium commitment period
  • Choose from 5, 10, 15 or 20 years premium term.
  • Flexibility to enhance your coverage
  • Choose from Early CI protection rider, CI protection rider, Extra secure waiver and Extra payer waiver riders.
  • Enjoy comfort in your golden years with our retirement option
  • Option of receiving regular yearly payments1 starting from the policy anniversary immediately after the life insured attains age 65, for a period of 10 years.

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

How it works

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

 

2The above illustrated values use bonus rates assuming an illustrated investment rate of return of 4.25% per annum. Assuming an illustrated investment rate of return of 3.00% per annum, the total surrender value at age 65 would be S$58,888 and the corresponding yield upon surrender would be 1.74% p.a. for scenario 1 and the death benefit would be S$132,074 for scenario 2. The two rates, 4.25% per annum and 3.00% 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:

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Important Notes:

Age means the age at 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.

Information is correct as at 22 October 2021.​.