Online Life Protection

Online Life Protection

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Key features

Life protection from

Transparent &

No medical

Award-winning Claims Team

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Protect your life with flexibility of choices

Flexible coverage
  • Choose the amount of protection you need
  • No medical examination is required
Choice of commitment period

Choose the sum insured and duration of coverage you require:

  • Protection for short-term obligation: Choose a term plan with 5-year renewable term (renewal guaranteed)
  • Long-term protection with certainty: Choose a term plan with 20-year fixed term or be covered till 65 years old
  • Lifetime protection: Choose a whole life plan with limited-pay up to age 70 or 85 years old
Choice of cash valueTo accumulate cash value, choose a whole life plan with lifetime cover
Choice of extra protectionTake precaution against 30 critical illnesses with the optional DIRECT – Etiqa CI rider (only available with DIRECT – Etiqa term life or DIRECT – Etiqa whole life) 

Types of Plan

DIRECT – Etiqa term lifeePROTECT term lifeDIRECT – Etiqa whole life
Plan typeTerm plans: Life protection for selected termWhole life plan: Lifetime protection
Sum insured S$50,000 – S$400,000S$401,000 – S$2 millionS$50,000 – S$200,000
Policy term 5-year renewable term,
20-year fixed term or
be covered till 65 years old
5-year renewable term,
20-year fixed term or
be covered till 65 years old
Premium term Same as policy termSame as policy termPay till age 70 or 85
Guaranteed renewal regardless of health conditionsN.A.
Cash value and reversionary bonus accumulation

Tailoring the plans to your needs

Are you an apprentice, strategist or professional?


DIRECT – Etiqa term life

Affordable Premium

Protection to Suit Your Budget


ePROTECT term life

Best Value Premium

High Coverage at Lower Costs


DIRECT – Etiqa whole life

Levelled Premium

Lifetime Protection & Cash Value Gain


Jane, single, 25-year old
undergraduate student

The Apprentice understands the need to protect against life’s unforeseen circumstances, especially when one has limited budget and short-term obligations such as study loan, wedding loan or even housing loan. With DIRECT – Etiqa term life, rainy days are not as miserable as they seem.

DIRECT – Etiqa term lifeBenefits
Premium: S$46.20 per year or S$0.13 per day
Premium and Policy Term: 5 years, renewable
Sum Insured: S$200,000
  • Choose only the coverage you need
  • Affordable premiums
  • Guaranteed renewal regardless of changes to health condition

Premium is based on a Female, non-smoker, 25 years old (age next birthday) for illustration only

Aziz, 30-year old engineer,
getting married in 6 months

The Strategist knows the importance of looking beyond the surface. He is motivated to get the best life protection and value at a lower cost. Here, Aziz compares DIRECT – Etiqa term life and ePROTECT term life.

DIRECT – Etiqa term lifeePROTECT term lifeBenefits
Premium: S$107.10 per year
Premium and Policy Terms: Fixed at 20 years
Sum Insured: S$200,000
Premium: S$459.00 per year
Premium and Policy Terms: Fixed at 20 years
Sum Insured: S$1 Million
  • High coverage at lower costs
  • Best value premium
Premiums based on S$100,000 coverage:More than 16% savings for
ePROTECT term life
Premium: S$53.55 per year
or less than S$0.15 per day
Premium: S$45.90 per year
or less than S$0.13 per day

Premium is based on a Male, non-smoker, 30 years old (age next birthday) for illustration only

Although the premium looks higher at first glance, ePROTECT term life offers a more cost-effective way to enjoy higher protection at a lower cost.

Mr. Lee, 35-year old working
professional, married with two kids.

The Professional likes to be in control, plan for the future and hedge against changes. With DIRECT- Etiqa whole life, one can get lifetime protection at a levelled premium and gain reversionary bonus obtainable as surrender value or death benefit.

DIRECT – Etiqa whole lifeBenefits
Premium: S$3,370.00 per year or S$9.23 per day
Sum Insured: S$200,000
Premium Term: Till age 70
Policy Term: Whole life
  • Pay the same levelled premium up till age 70
  • High coverage at lower premiums with cash value
  • Accumulate reversionary bonuses
Mr Lee’s options at age 70 (total premiums paid will be S$117,950)
A) Surrender policy at S$228,185 at a projected (higher tier) investment return* of 4.75%.
B) Retain policy for his lifetime for death, total permanent disability and terminal illness protection. And be assured that his family will receive his legacy and be covered in case of unexpected events.

*Premium is based on a Male, non-smoker, 35 years old (age next birthday) for illustration only. Past performance is not necessarily indicative of the future performance. As the bonus rates used for the benefits illustrated above are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund. The above illustrated values use bonus rates assuming an 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 70 is $158.361. The two rates 3.25% per annum and 4.75% 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 .

Here’s a useful term insurance comparison done by to help you with your research.


Some food for thought about life insurance

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Yes, if you fulfil the following requirements:

  • You are a Singapore resident with valid NRIC or FIN.
  • You are between the age of 19 and 65 years old.
  • You are a tax resident of Singapore.
  • You have resided in Singapore for 182 consecutive days on day of insurance purchase.
  • You are proficient in spoken or written English.
  • You are not an undischarged bankrupt.
  • You are not purchasing this plan to replace any existing policy with Etiqa or other insurer(s).

Direct Purchase Insurance (DPI) – identified by the prefix “DIRECT” in their product names – are life insurance products that you can buy directly from insurance companies, without paying any intermediary fee.

Etiqa provides two DPI options, namely DIRECT – Etiqa term life & DIRECT – Etiqa whole life. Both options come with Life and Total and Permanent Disability cover and an option to cover Critical Illnesses. More information on DPI is available at: DPI Fact Sheet or MoneySense website.

The maximum sum insured amount is an aggregate of $400,000 for DIRECT – Etiqa term life and DIRECT – Etiqa whole life, subject to a maximum of $200,000 for DIRECT – Etiqa whole life.

You may consider our ePROTECT term life policy, which can provide coverage up till S$2 million.

  1. Major Cancers
  2. Heart Attack of Specified Severity
  3. Stroke
  4. Coronary Artery By-pass Surgery
  5. Kidney Failure
  6. Aplastic Anaemia
  7. End Stage Lung Disease
  8. End Stage Liver Failure
  9. Coma
  10. Deafness (Loss of Hearing)
  11. Heart Valve Surgery
  12. Loss of Speech
  13. Major Burns
  14. Major Organ / Bone Marrow Transplantation
  15. Multiple Sclerosis
  16. Muscular Dystrophy
  17. Parkinson’s Disease
  18. Surgery to Aorta
  19. Alzheimer’s Disease / Severe Dementia
  20. Fulminant Hepatitis
  21. Motor Neurone Disease
  22. Primary Pulmonary Hypertension
  23. HIV Due to Blood Transfusion and Occupationally Acquired HIV
  24. Benign Brain Tumor
  25. Viral Encephalitis
  26. Bacterial Meningitis
  27. Angioplasty & Other Invasive Treatment For Coronary Artery
  28. Blindness (Loss of Sight)
  29. Major Head Trauma
  30. Paralysis (Loss of Use of Limbs)

For more information, please refer to Rider Contract under Downloads.

With DIRECT – Etiqa term life and ePROTECT term life, you can get up to S$1.5 million of coverage without the need for a medical check for customers up to age 40 and in the pink of health. If a medical check is required, we will bear the cost. For customers above age 55, the allowable limit for purchase without medical check-up is S$100,000 

With DIRECT – Etiqa whole life, you can get up to S$200,000 of coverage without the need for a medical check if you are in the pink of health. If a medical check is required, we will bear the cost. 

Yes, you will be covered as long as you continue paying your premiums.

The easiest way to get life insurance from Etiqa is through our online portal.
You can also contact our friendly Customer Care team.


Downloads & Forms

Important Notes:

This policy is underwritten by Etiqa Insurance Pte. Ltd.

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

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.

Age means the age at next birthday.

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. 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 web-sites ( or ).

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.

DIRECT – Etiqa whole life.

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.

DIRECT – Etiqa term life, ePROTECT term life

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

Information is correct as at 16 August 2019.