Look forward to a lump sum payout with an attractive yield of up to 3% p.a.* upon maturity to achieve your life goals with greater ease.
Plan towards your goals, your way. With a selection of either 15-year or 20-year policy terms, you can customise a plan that best suits your budget deciding between premium payment terms of Limited or Full Pay over 15 years or Full Pay over 20 years.
Your capital is 100% guaranteed when the policy matures – a promise we fulfil as a security to your medium to long term commitment.
Our financial representative will answer any questions you may have about our products and planning.
1 The Company will pay the higher of the following in one lump sum, plus attaching bonus (if any), less any debt:
(a) 105% of total standard yearly premiums paid; or
(b) guaranteed surrender value.
2 Coverage for Presumptive Total and Permanent Disability (TPD) is for the whole of the policy term, while coverage for other forms of TPD is up till the policy anniversary on which the life assured is age 65. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of total and irrecoverable loss of:
(a) the sight in both eyes;
(b) the use of two limbs at or above the wrist or ankle; or
(c) the sight in one eye and the use of one limb at or above the wrist or ankle.
For more details on other forms of TPD, please refer to product summary.
3 Capital guaranteed upon maturity is only applicable to Limited Pay option with premium payment term of 15 years and policy term of 20 years.
* The figure comprises guaranteed and non-guaranteed benefits. The non-guaranteed benefit is illustrated based on the illustrated investment rate of return (IIRR) of the participating fund of 4.25% p.a.. The actual benefits payable may vary according to the future experience of the Participating Fund.
At an IIRR of 3.00% p.a., the total maturity benefit is S$114,886 (whereby S$94,517 is guaranteed and S$20,369 is non-guaranteed) with 1.87% p.a. yield to maturity.
All ages specified refer to age next birthday.
Figures illustrated are rounded to the nearest dollar.
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.
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.
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 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 22 February 2022.