Life Insurance

Star Secure Pro: Protecting Yourself & Your Children’s Futures

  • Apr 23, 2019
  • 4 mins

As parents, much of our energy and actions goes towards securing a happy, healthy life for ourselves and, more importantly, our kids, but sometimes you get dealt a hand of cards you couldn’t have predicted. 
Often, unexpected illnesses or health problems are accompanied by great financial strain and stress on the individual, the spouse and the children of the affected person. 

That’s why ensuring you are adequately insured is so important - because the last thing any parent wants to do is compromise on their children’s happiness.

But getting protected is easier said than done. How much protection is really enough? Who knows what new diseases or viruses are out there waiting to strike? Without a crystal ball, it’s hard to tell what level of protection is going to be sufficient, or which areas of coverage you will need in future.

That’s where Income’s Star Secure Pro can help. Not only does it allow you to layer on more protection against the usual death, critical illness (also known as dread diseases) and total and permanent disability if you need it, but it can even protect you (and your family’s happiness) from other illnesses still undiscovered. 

In a nutshell, Star Secure Pro is a whole life insurance plan that provides you with protection in the event of death, total and permanent disability, and terminal illness.

The whole life plan is customisable, choose to multiply your coverage by up to 500%1,2 of the sum assured up to age 75 or 80. With such high protection coverage, you can have peace of mind knowing that you won’t have to make the financial decision between the necessities of daily life, or treatment costs, against the little luxuries or things that brings your family happiness. The last thing you would want to do in these situations is to put a pause on what makes your children happy – Be it the happy meals at McDonalds or the piano lesson your child loves. Having a life insurance plan ensures you do not have to make these painful decisions. 

On top of this base of protection, you can enhance your coverage further with the Advanced Life Accelerator rider3. Besides offering protection against 56 advanced stage critical illnesses, this rider boasts the unique Major Impact Benefit4

With this Benefit4, you’re protected in the event that you undergo surgery or suffer from an infection and are required to stay in the intensive care unit (ICU) of a hospital for 5 days or more in one hospital admission, before the policy anniversary immediately after you reach the age of 85. 

So what, you ask? 

Well, with so many new diseases/infections coming up these days, it’s not only the illnesses you know of that you need protection from but also the unknown5. Take for instance, COVID-19, which was only discovered in December 2019 and is now a global pandemic. 

With the Major Impact Benefit4, you will no longer have to worry that your cover is only limited to certain diseases under your policy. You can focus on your recovery, knowing that it works like a safety net to ensure your family and family finances will be well protected.

To ensure you receive the best possible care from the moment an illness strikes, you can boost your coverage to a total of 152 medical conditions with the Early Life Accelerator rider6, enabling you to receive coverage of up to $350,0006 for early and intermediate stage critical illness. You’ll also receive protection for five prominent mental illnesses: Major Depressive Disorder, Obsessive Compulsive Disorder (OCD), Schizophrenia, Bipolar Disorder and Tourette syndrome.

What’s more, thanks to the Advanced Restoration Benefit7, there is extra protection for stroke with permanent neurological deficit, major cancer or heart attack of specified severity after a claim for an early or intermediate stage critical illness is made. The benefit will restore 20% of the rider coverage 2 years after the claims for an early or intermediate stage critical illness which means you’ll continue to stay covered against 3 of Singapore’s top health threats.

Furthermore, this rider comes with Special Therapy Benefit8 so you get to receive extra coverage for cell, tissue and gene therapy in the event of a catastrophic cancer such as leukemia, lymphoma and stage 4 malignant tumour, which is a first in Singapore.

Besides offering protection with a minimum protection value of up to 500%1,2 of the sum assured up to age 75 or 80, Star Secure Pro also offers up to an additional 30% of the sum assured in the event of accidental death2,9 (before the anniversary immediately after the age 70).

The whole life plan is highly customisable, with a wide range of premium terms available – 5, 10, 15, 20, 25 and 30 years or up to the age of 64 – giving you flexibility in that respect as well.

In this time of economic uncertainty, it may reassure you to know that Star Secure Pro also offers a one-time Retrenchment Benefit2,10. If you are retrenched and is unemployed for 3 straight months involuntarily, you would not have to pay the premiums for your basic policy for up to 6 months, while still continuing to receive the same coverage during that period.

And if you do make it to old age with no claims on the plan, the cash value from the policy is accessible to you making it easy if you’d like the option of some extra retirement income.

Star Secure Pro ensures the highest levels of protection for what matters to you – your family’s happiness. Its flexibility and comprehensive coverage options make it the ideal tool to make sure you never have to choose between what you need and the little things that make your family happy.  

Speak to an Income Advisor today to see how Star Secure Pro can work for your needs and start protecting you and your loved ones’ happiness today.


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