Life Insurance

iTerm – Product Summary

Enjoy peace of mind with high coverage
at affordable premiums.

We figured that making basic life insurance coverage available to all is the right thing to do.

Providing you with basic insurance protection at affordable cost, iTerm is a protection plan with no cash value. This means the entire amount you pay will be used to secure higher insurance coverage for you.

iTerm can fulfill your immediate and long-term insurance needs, either taken up on its own or together with other insurance plans. You can also enjoy the flexibility of choosing how long you want to be covered1. We guarantee the renewal of your policy for the same sum assured as your previous iTerm plan2.

  • Coverage for death, total and permanent disability (TPD before the age of 65) and terminal illness
  • Guaranteed renewal2
  • Higher coverage at affordable premiums
  • Additional rider options available
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1 You can choose a contract term of 5, 10, 15, 20, 25, 30 or 35 years. Alternatively, you can choose a contract term of up to age 54, 64 or 74 (last birthday).
2 Guaranteed renewal is applicable only if there is no claim on your policy during the contract term and the insured is age 79 (last birthday) and below. We will renew your policy for the same contract term. However, if the insured’s 84th birthday falls within the next contract term, we will only renew it for a shorter term (in multiples of 5 years) such that this renewal term will not exceed the insured’s 84th birthday. The renewal premium will be determined by NTUC Income.

 This is for general information only. You can find the usual terms and conditions of this plan at  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 policy 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 NTUC Income or visit the GIA/LIA or SDIC websites ( or or

Information is correct as of 19 November 2014


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75 Bras Basah Road
NTUC Income Centre
Singapore 189557

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