Prestige Term

Life Insurance

Prestige Term

A million dollar assurance to protect all that matters in your life

Prestige Term and Prestige Term Plus lets you focus on the things that really matter in your life when planning long-term financial security for your assets and your loved ones.


With Prestige Term, you can enjoy high-value protection coverage of S$1 million or more. In addition, you may extend your coverage for Total and Permanent Disability1 and Terminal Illness with Prestige Term Plus. Both plans offer you the flexibility to select your policy term and supplementary riders for a more comprehensive coverage. There's nothing more gratifying than the assurance that those dearest to you will always have the best and be well looked after during unforeseen circumstances.

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Key benefits


High value protection at affordable premiums

Enjoy guaranteed coverage of at least S$1 million for Death, Total and Permanent Disability and Terminal Illness at an affordable fee.


Choice of policy term and riders

Enjoy flexibility to select any policy term starting from 5 years or coverage till age 85.


Million dollar assurance for your family or business

Enjoy peace of mind that your loved ones will always have the best and be taken care of and ensure uninterrupted continuity of your business. 

How Prestige Term works


Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage.


Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure


Legacy planning: To enjoy high lifelong coverage that helps you safeguard your legacy, consider Prestige Life Gold.

All ages specified refer to age next birthday.


1Presumptive Total and Permanent Disability (TPD) is applicable for whole of policy term. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of:


a) total and irrecoverable loss of sight in both eyes; or


b) total and irrecoverable loss of the use of two limbs at or above the wrist or ankle; or


c) total and irrecoverable loss of the sight in one eye and total and irrecoverable loss of the use of one limb at or above the wrist or ankle.


For other forms of TPD which are not Presumptive TPD, the TPD must occur before the policy anniversary on which the Life Assured will be age 65 next birthday. Such TPD refers to a disability suffered by the Life Assured which renders the Life Assured in a total and permanent state of incapacity to perform or follow sufficiently any work, occupation or profession to earn or obtain any wage, remuneration or profit at any time during and thereafter.


Subject to a maximum TPD Benefit of S$5,000,000 on all policies and riders issued by the Company on the same Life Assured.

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. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. 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.


These plans are 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 ( or


Information correct as at 16 November 2018.