i-Term – Product Summary

Ensure the financial well-being of your loved ones

There are seasons in life when the financial well-being of your family is more vulnerable to the storms of life. With i-Term, you can meet the challenges in life with confidence, knowing that your loved ones will not suffer a financial blow should you meet with any unexpected misfortune. The plan is designed to provide fundamental coverage that you need to protect your family's way of life at an affordable rate.

Now with i-Term, you do not need to worry about your loved ones' financial security and their well-being.

Comprehensive protection for maximum peace of mind

In the event of Death, Total and Permanent Disability (TPD) before age 65 or Terminal Illness, the sum assured will be paid out to you or your beneficiaries.

This payment can be used to lessen any financial burdens. Apart from paying off medical bills, this pay out can also be used for:

Income replacement to help your family tide over a period of income loss especially if you are the sole breadwinner.
Debt cancellation to pay off any outstanding loans and debts, e.g. bank or home loans.
As a risk management solution for business owners, to protect your company from the risk of disruption when misfortune hits a key personnel. You can ensure that business operations continue with the pay outs from the plan.

Guaranteed renewal

With i-Term, you can be assured of continued insurance coverage. In the event that you require insurance coverage after the expiry of the current plan, you have the option of extending your coverage up to age 84* regardless of your state of health.

High coverage with low premiums

i-Term has one of the lowest premiums in town. Better yet, if you are in good health, i-Term is able to offer you Preferred Life rates which can be up to 15%^# lower than Standard
Life rates. With our low premium rates, you can easily take up higher coverage for you and your family for greater peace of mind and security.

Illustration of monthly premiums for a male non-smoker

Sum Assured of $250,000 for Standard Life

Age (Last Birthday)	Policy Term
Age (Last Birthday)	5 years	10 years	20 years
30	$17.80	$19.35	$26.80
35	$21.40	$27.25	$39.15
40	$35.80	$39.15	$61.45
45	$50.40	$59.40	$100.15
50	$79.65	$98.55	$172.80

Sum Assured of $1,000,000 for Preferred Life

Age (Last Birthday)	Policy Term
Age (Last Birthday)	5 years	10 years	20 years
30	$47.50	$48.50	$64.50
35	$54.50	$63.50	$99.50
40	$83.50	$96.50	$163.50
45	$126.50	$154.50	$277.50
50	$210.50	$265.50	$480.50

Enjoy greater coverage with i-Term riders

Riders are optional protection which you can add to enhance your i-Term plan. Some of these riders cover against 30 dread diseases, accidents, or waive the premium due in the event of a critical illness. Click here for more information on the riders available.

Eligibility

i-Term is available to anyone below the age of 79^ years (age last birthday). It can insure newborn babies even when they are just a day old. You can choose to be insured for terms between 5 and 35 years.

* Applicable for sum assured of $750,000 and above.

For sum assured below $750,000, guaranteed renewal will be up to age 79.

^# Amount of discount depends on the coverage amount and/or health condition of the insured. The definition of good health will be determined by NTUC Income. The insured has to meet certain minimum health standards during the underwriting process before discounts are given. Preferred Life rates are offered on an invitational basis. All decisions by NTUC Income are final.

^ The available age of entry varies for different sum assured. Please refer to Benefit Illustration and Product Summary for details.

Information is correct at time of posting. The information provided on this website is for general information only and not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, youwill have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. This policy does not have any cash value.