Life Insurance

VivoLife - Product Summary


Lifetime coverage with just 5 years of premiums.

Flexible premium payment term for lifetime coverage.

VivoLife allows you to choose from 3 different plan types to enjoy your desired level of enhanced protection1. Now with the VivoLife Early Cancer Waiver rider, you can have an added peace of mind. You also have the opportunity to convert your VivoLife policy into an annuity2 plan to supplement your retirement.

BENEFITS AT A GLANCE
  • Choice of 3 levels of enhanced protection1 (up to 350% of sum assured)
  • Choice of premium payment terms
  • Up to an additional 200% of sum assured for accidental death3
  • Extra 5% cash value when you convert your policy into an annuity2 plan
  • Premiums waived upon early stage cancer4 or retrenchment5
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IMPORTANT NOTES

1 The enhanced protection value is only applicable upon death, total and permanent disability (TPD) or diagnosis of dread disease of the insured before the age of 70 (last birthday).
 
2 Converting VivoLife to an annuity plan with immediate payout is subject to terms and conditions, and the type of annuity plans and rates available at the time of conversion.
 
3 Accidental death benefit is payable only if insured’s death happens within 365 days of the accident. 200% of the  sum assured in addition to the death benefit will be paid out for this benefit only if the insured is age 69 or under, and is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 60% of the sum assured.  Standard exclusions apply as well. Please refer to the policy contract for further details.

4 A waiting period of 90 days will apply from the date we issue the rider, include or increase any benefit, or reinstate the rider (whichever is latest).

If you have purchased VivoLife for your loved ones (3rd party policy) and would like to include VivoLife Early Cancer Waiver rider, you will have to include an Enhanced Waiver of Premium rider or Special Waiver of Premium rider too.
 
Enhanced Waiver of Premium rider waives the future premiums for the policy of your loved ones (3rd party policy) upon your death, total and permanent disability (before age 65) or diagnosis of dread diseases (except for angioplasty and other invasive treatment for coronary artery).
 
Special Waiver of Premium rider waives the future premiums for the policy of your loved ones (3rd party policy) upon your diagnosis of dread diseases (except for angioplasty and other invasive treatment for coronary artery).
 
5 VivoLife policy must be valid and in force for at least 6 months from the date of issue of the policy or the date of issue of an endorsement to include or increase a benefit or date of reinstatement of the policy, whichever is the latest, with at least 6 months of premiums paid. Only premiums on the basic policy (excluding any supplementary riders attached) will be waived up to a maximum of 6 months of premiums. The retrenchment benefit can only be claimed once. 
 
This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/forms/insDocument/VivoLife125.pdf, www.income.com.sg/forms/insDocument/VivoLife180.pdf or www.income.com.sg/forms/insDocument/VivoLife350.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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive can be substantially less than the premiums you have paid for the plan.
 
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 (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
Information is correct as of 25 August 2014

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