TermLife Solitaire

TermLife Solitaire

Protect your financial legacy with $1 million coverage or more.

What it covers

Death and terminal illness
We pay the sum assured[1] in the event of death or terminal illness

Features

Enjoy peace of mind knowing that you are protected with $1 million coverage or more.
You can enjoy the option of extending your coverage after your policy term expires. We will guarantee renewal[2] of your policy and you may be covered to a maximum age of 100 (last birthday).
Enjoy a wide range of exclusive treats which are specially curated for you.

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How it works

How TermLife Solitaire preserves your legacy

How TermLife Solitaire safeguards your business

Enhance your coverage

Option to enhance coverage with additional riders

Disability Accelerator
We pay the sum assured[3] under this rider upon diagnosis of the insured with total and permanent disability (TPD before the anniversary of the policy immediately after the insured reaches the age of 70) during the term of the rider.
Dread Disease Accelerator
We pay the sum assured[4] under this rider upon diagnosis of the insured with one of the specified dread diseases[5] during the term of the rider (except angioplasty and other invasive treatment for coronary artery).
Payor Premium Waiver
We waive future premium payments on the policy for the remaining term of the rider upon death or diagnosis with total and permanent disability (TPD before age 70) of the policyholder during the term of the rider. This rider is applicable only if the policyholder is not the insured.
Dread Disease Premium Waiver
We waive future premium payments on the policy for the remaining term of the rider upon diagnosis of a specified dread disease[5] of the policyholder during the term of the rider.
Enhanced Payor Premium Waiver
We waive future premiums payments on the policy for the remaining term of the rider upon death, diagnosis with total and permanent disability (TPD before age 70) or a specified dread disease of the policyholder during the term of the rider. This rider is applicable only if the policyholder is not the insured.

Before you apply

You can decide on the policy coverage period based on your needs.

Coverage period^ Minimum entry age
(last birthday)

Maximum entry age
(last birthday)

10, 15, 20, 25, up to age 84
and up to age 100
18 74
30 18 70
35 18 65
40 18 60
Up to age 64 18 54
Up to age 74 18 64

^ Subject to the maximum coverage age of 100 (age last birthday).

You have to pay premiums throughout the whole policy term. You can make your premium payments monthly, quarterly, half-yearly, or yearly.
Important Notes

Footnotes

 
  1. If the insured becomes terminally ill or dies during the term of the policy, we will pay the sum assured. The policy will end when we make this payment.

  2. Guaranteed renewal is applicable until the insured is 75 years or older at the time the policy is due for renewal. If there is no claim on your policy during the policy term, we will renew your policy for the same sum assured and policy term. However, if the insured’s 100th birthday falls within the next policy term or if the original policy term is not in multiple of five years, we will only renew it for a shorter term (in multiple of 5 years, subject to a minimum of 10 years) such that the renewal term will not exceed the insured’s 100th birthday or the original policy term. The renewal premium will be determined by Income and is based on the policy’s renewal term, sum assured and the age of the insured at the time the policy is renewed.

  3. Disability Accelerator rider accelerates the sum assured of the policy and terminates thereafter. If there is an accelerated payment on this rider, the sum assured of the policy and other accelerated riders attached to the policy will be reduced accordingly.

  4. Dread Disease Accelerator rider accelerates the sum assured of the policy and terminates thereafter. If there is an accelerated payment on this rider, the sum assured of the policy and other accelerated riders attached to the policy will be reduced accordingly.

    In the event that the insured undergoes angioplasty and other invasive treatment for coronary artery, 10% of the rider sum assured, subject to a maximum of $25,000, will be payable in one lump sum. Thereafter, the sum assured of the policy, Dread Disease Accelerator rider and other accelerated riders attached to the policy will be reduced accordingly. Premiums will be reduced accordingly and remain payable.

  5. We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest) for major cancers, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease.

Important Notes

  
This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/termlife-solitaire-policy-conditions.pdf. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. This plan does not have any cash value.

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 Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).

 

Information is correct as of 28 August 2017

Frequently asked questions

How to apply

For enquiries about term life insurance, please call our hotline:
6788 1122

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