Premium waiver: To protect yourself against being unable to pay premiums because of critical illness, consider Premium Waiver Rider. 

Flexible protection and investment: To achieve the right balance between protection and investment - as your needs change through life - consider Smart Life Advantage.

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

All ages specified 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.

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 25 September 2018.