LifeSecure
LifeSecure | Affordable Disability Protection
Secure your future with comprehensive disability coverage
LifeSecure offers regular monthly benefit payouts for up to a lifetime, which can be used to supplement the cost of treatment and specialised home care when disability sets in.
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Key benefits
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Affordable premiums
Wide range of protection benefits starts from as little as S$0.26* a day.
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Out-of-school disability benefit1
Out-of-school disability benefit for your child who needs to be confined at home or in a hospital due to a disability.
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Payback benefit upon a successful claim2
Lump sum payment of 3 times or 6 times of the monthly benefit insured3.
How LifeSecure works
Darren Loh, 20, covers himself with LifeSecure.
Annual Premium |
S$154.50 |
Plan ends |
Age 65 |
Has an accident at 30, suffers total paralysis.
Deferment period |
180 days |
Monthly benefit payout |
S$1,000 (continues for as long as he remains disabled) |
Payback benefit |
S$6,000 (i.e. six times the monthly payout) |
Premiums waived |
He does not have to pay the premium while receiving the monthly benefit payout |
Understand the details before buying
* Based on a 20-year-old male under a LifeSecure Rider plan with coverage and premium payment term up to age 65. Amount shown is derived from annual premium divided by 365 days, rounded to the nearest cent. Premium rates are not guaranteed and may be adjusted based on future experience.
1 The out-of-school benefit ends when the life assured attains age 16, and is subject to a minimum of 12 monthly installments of the benefit having been paid.
2 Terms and conditions apply.
3 Payable following a deferment period of 90 days or 180 days (as the case may be) starting from the date on which the life assured starts to suffer from the inability to perform at least 2 of the Activities of Daily Living (ADLs) or total and permanent disability, during which no benefit is payable. ADLs refer to washing, toileting, dressing, feeding, mobility and transferring.
All ages specified (save that mentioned in footnote 1) refer to age next birthday.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The above is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.
This product applies mainly to Singapore Citizen/PR. If you are not a Singapore Citizen/PR, you have to meet certain residency requirements before you can apply for a policy or renew it.
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. It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.
This plan 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).
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
Information correct as at 30 September 2021.
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