1 The following will be payable in one lump sum, if the life assured dies, suffers from total and permanent disability (TPD) or is diagnosed with terminal illness while the policy is in force:
a) basic sum assured plus total amount of single premium top-ups (if any) less total amount of withdrawals (if any); or
b) account value,
whichever is higher, less any amounts owed to us.
2 Coverage for TPD will be for the whole of the policy term if it takes the form of total and irrecoverable:
a) loss of sight in both eyes;
b) loss of the use of two limbs at or above the wrist or ankle; or
c) loss of sight in one eye and the use of one limb at or above the wrist or ankle.
For other forms of TPD, it must occur before the policy anniversary on which the life assured is age 65.
3 Subject to a maximum increase in the basic sum assured of S$100,000 or 50% of the basic sum assured as at the date of commencement of the policy, whichever is lower, for each exercise of this option to adjust your coverage. Other terms and conditions apply. The annual premiums may be revised upon increasing the basic sum assured.
4 Child Cover Benefit covers children of the life assured up to age 18 only.
* Coverage restores to 100% after 12 months from the date of diagnosis for the most recently diagnosed critical illness, for a subsequent claim of a different critical illness. In addition, for 6 specific critical illnesses, coverage restores to 100% after 24 months from the most recent date of diagnosis for the same critical illness. Please refer to the Product Summary for more details.
† Potential payout is illustrated based on 50% GreatLink Global Equity Fund and 50% GreatLink Diversified Growth Portfolio, at an illustrated investment rate of return (IIRR) of 8% p.a.. At 4% p.a. IIRR, the payout is illustrated to be S$100,000. The two rates of return used (4% p.a. and 8% p.a.) are purely illustrative and do not represent upper and lower limits on the investment performance. The actual benefits payable will depend on the actual performance of the underlying assets of the funds. The performance of the funds is not guaranteed and the surrender value may be less than the total premiums paid.