/5
Income replacement for dependants or self in case of:
Death/Total & Permanent Disability (TPD)/Terminal Illness (TI):
Lump sum payout to your dependents to support their living expenses in case of your death/TPD.
Early and Late-stage CI:
Lump sum payout to cover cost of alternative medicine and ancillary expenses not covered by MediShield Life and Integrated Shield Plan.
Highly customisable plan with various plan options
Premium payment term: limited pay 10, 15, 20, 25 years, or until age 65
Option to boost coverage by 100%, 200%, 300%, or 400% of the sum assured up to age 65, 70, or 75
The plan accumulates cash value, with the option to surrender for cash or convert to provide a monthly income from age 65 when protection is no longer needed
Has an early surrender penalty, with no surrender value in the first two years
Higher premiums than term plans for the equivalent coverage amount
Investment returns (non-guaranteed benefits) are determined by the insurer and do not reflect the performance of the participating fund
Premiums generated based on:
Male, non-smoker
| Age | Annual premium | Total Premiums Payable (20 years) | *Surrender value at age 65 | *Yield upon surrender at age 65 |
| 1 | $1,311/year | $20,960 | $160,509 | 3.76% p.a. |
| 20 | $2,203/year | $33,480 | $114,123 | 3.56% p.a. |
Female, non-smoker
| Age | Annual premium | Total Premiums Payable (20 years) | *Surrender value at age 65 | *Yield upon surrender at age 65 |
| 1 | $1,285/year | $19,920 | $151,519 | 3.75% p.a. |
| 20 | $2,112/year | $31,080 | $107,708 | 3.61% p.a |
*Surrender values and yields are based on the illustrated rate of return of 4.25% of the participating fund
Disclaimer: This publication has not been reviewed by the Monetary Authority of Singapore. The information contained herein does not have any regard to the specific investment objective(s), financial situation or particular needs of any individual. Buying insurance is a long-term commitment and should be based on your unique needs and the suitability of the products. It is advisable to seek advice from a financial adviser to assess your needs and guide you on the features and details of the products before making any financial decisions. The coverage, benefits, premiums, and terms of insurance policies may vary depending on individual circumstances and insurance providers. Individuals are encouraged to review their own insurance needs and policies and seek advice tailored to their specific situation. While every reasonable care is taken to ensure the accuracy of the information provided, no responsibility can be accepted for any loss or inconvenience caused by any error or omission.
There are some insurances that can be conveniently purchased online, allowing you to get started quickly and easily. However, If you need assistance from an adviser, we can refer you too our partner, iFAST.
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