Whole Life vs. Term Life.
What’s the difference?

Whole Life Insurance

  • Protection for your entire lifetime, or up to age 100
  • Premiums usually start higher
  • Plan builds up cash value that can be used to supplement retirement years
  • Cost per dollar of sum assured is higher

Term Life Insurance

  • Protection for a fixed time period
  • Premiums usually start lower but may increase with age upon renewal
  • Plan has no cash value
  • Cost per dollar of sum assured is lower

Find the right life insurance plan

My plan should
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Whole Life Plans

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Star Assure (covers COVID-19)

Get protection against death, total and permanent disability, and terminal illness, plus even new viruses like COVID-19, with the Advanced Assure Accelerator Rider add-on.

  • Coverage for my whole life
  • Total and permanent disability protection
  • Terminal illness protection
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Legacy Solitaire

Leave a legacy to safeguard your loved ones, with just a single premium.

  • Coverage for my whole life
  • Single premium payment
  • Terminal illness protection
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Star Prime Life

Enjoy affordable protection against death and total and permanent disability in your golden years.

  • Coverage for my whole life
  • Designed for seniors
  • Guaranteed acceptance
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DIRECT Star Classic Protect

Get coverage for death, terminal illness and total and permanent disability (TPD before age 65).

  • Coverage for my whole life
  • Total and permanent disability protection
  • Terminal illness protection

Term Life Plans

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Cancer Protect

Get affordable insurance coverage that protects against early and advanced stage cancers.

  • Cancer coverage
  • Regular premium payment
  • Dread disease protection
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Silver Protect

Term insurance coverage for seniors that protects against early and advanced stage cancers.

  • Cancer coverage
  • Guaranteed renewal when policy expires
  • Dread disease protection
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iTerm

Term coverage against death, terminal illness, and total and permanent disability at affordable premiums.

  • Guaranteed renewal when policy expires
  • Total and permanent disability protection
  • Terminal illness protection
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TermLife Solitaire

Protect your financial legacy with a coverage of at least $500,000.

  • Coverage up to age 100
  • Guaranteed renewal when policy expires
  • Terminal illness protection
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Lady 360

A comprehensive yet affordable protection plan designed for women.

  • Cancer coverage
  • Dread disease protection
  • Designed for female protection needs
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Maternity 360

Get three years of comprehensive maternity insurance for you and your baby with just a single premium.

  • Designed for female protection needs
  • Single premium payment
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Mortgage Term

Protect your loved ones from having to bear any outstanding mortgage loans in unexpected events.

  • Total and permanent disability protection
  • Terminal illness protection
  • Regular premium payment
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Family Protect

An affordable plan designed for the sandwiched generation to support your loved ones if the unfavourable happens to you.

  • Cancer coverage
  • Guaranteed renewal when policy expires
  • Total and permanent disability protection
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Dependants' Protection Scheme (DPS)

Affordable term-life insurance that automatically covers all Singapore Citizens and Permanent Resident CPF members who are aged 21 to 60 years old.

  • Total and permanent disability protection
  • Terminal illness protection
  • Regular premium payment
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DIRECT Term Life

Term insurance coverage for death, terminal illness and total and permanent disability (TPD before age 65).

  • Guaranteed renewal when policy expires
  • Total and permanent disability protection
  • Terminal illness protection
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LUV

Affordable Term Life Insurance for NTUC members that provides coverage for death, permanent disability, and more.

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Plus! Protect

For just 52 cents[1] a day, OCBC Plus! and NTUC Plus! Visa cardholders can get affordable insurance coverage.

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SAFRA Essential Term and SAFRA Living Care

Affordable insurance for SAFRA members that provides coverage for death, permanent disability and more.

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HomeTeamNS Insurance Scheme and HomeTeamNS Living Policy

Affordable insurance for HomeTeamNS members that provides coverage for death, permanent disablement and more.

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Corporatised Entities Group Insurance Scheme

Affordable insurance for employees of corporatised organisations and their families.

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