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

Hospitalisation: To cover the cost of hospitalisation, surgical or medical expenses - and make up for loss of income due to hospitalisation - consider GREAT SupremeHealth, GREAT TotalCare and Supreme MediCash. 

¹ The Death Benefit will be payable in one lump sum as follows, if the life assured dies:

a) 110% of total basic regular premiums paid plus 110% of total single premium top-ups paid, less total withdrawals (if any); or

b) account value,

whichever is higher.   

If the life assured is diagnosed with a Terminal Illness or Total and Permanent Disability, the Death Benefit will be paid in one lump sum.

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 till age 65. 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 use of two limbs at or above the wrist or ankle; or

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

Please refer to the product summary for details on other forms of TPD.

³ Welcome Bonus will not be paid while the policy is on premium holiday. Any Welcome Bonus paid will be adjusted if the basic regular premiums payable are reduced within the first two policy years.

⁴ The Loyalty Bonus payable is equal to five percent (5%) of the difference between the basic regular premium paid and the total withdrawals made (if any) in the preceding policy year divided by a factor which will vary according to the frequency of the premium payments. Loyalty Bonus will be paid, provided the basic regular premiums payable for the first 9 policy years are paid up to date. Loyalty Bonus will not be paid while the policy is on premium holiday in or after the 10th policy year. In the illustration shown, no Loyalty Bonus will be payable for policy year 14 (age 38) due to the lump sum withdrawal made in policy year 13 (age 37) exceeding the basic regular premiums payable on an annual basis.

* The figure is based on an illustrated investment return of 8% p.a. At an illustrated investment return of 4% p.a., Melissa will receive a potential final payout of S$167,923.

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.

All ages specified refer to age next birthday.

Figures illustrated are rounded down 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.

Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units in the Fund(s) and the income accruing to the units, if any, may fall or rise. Please refer to Fund Details and Product Highlights Sheet for the specific risks of the Fund(s). Past performance is not necessarily indicative of future performance.

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 17 April 2019.