This plan can be purchased directly from our online portal, or at Income branches. It is not available for sale through other distribution channels and no financial advice will be provided.
Apply for DIRECT Star Protect now via our online portal.
Alternatively, you can also visit us at an Income branch.
Here’s what you get with DIRECT Star Protect.
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Get coverage[1][2] for death, terminal illness or total and permanent disability (TPD before age 65) with a sum assured from $50,000 to $200,000.
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Select a premium term of up to age 69 or 84 (last birthday).
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Receive bonuses[2] based on the performance of the Life Participating Fund.
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Add a rider[3] to get protection against dread diseases.
Need more protection? Enhance your coverage with a rider.
DIRECT Dread Disease for Whole Life
You will receive the sum assured and the bonuses accumulated[2] from the DIRECT Star Protect plan if you are diagnosed with a dread disease[4].

Your policy toolkit.
Eligibility and payment frequency
Payment period | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
Until age 69 | 18 | 59 |
Until age 84 | 18 | 64 |
You can make your payments monthly, quarterly, half-yearly, or yearly.
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Policy conditions
Application forms
Your queries answered.
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Footnotes
- DIRECT Star Protect pays out the sum assured and bonuses in the event of death, terminal illness or total and permanent disability (TPD before age 65).
- Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
- The sum assured of the rider, DIRECT Dread Disease for Whole Life must be equal to the sum assured of the basic policy that is, DIRECT Star Protect.
- The full definition of each dread disease covered and the circumstances in which you can claim are stated in the policy contract. If the insured is diagnosed with a specified dread disease (except angioplasty and other invasive treatment for coronary artery), we will pay the sum assured. We will also pay any bonuses of its DIRECT Star Protect policy. The DIRECT Star Protect policy and this rider will end after this payment.
For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured, subject to a maximum amount of $25,000 (inclusive of any corresponding bonuses of its DIRECT Star Protect policy). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. The rider will continue with a reduced sum assured.
Any payment made under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of its DIRECT Star Protect policy.
We will not pay this benefit if claim arises from major cancer, heart attack of specified severity, coronary artery by-pass surgery, or angioplasty and other invasive treatment for coronary artery, where the insured was diagnosed with the disease within 90 days from the date we issue the rider, endorsement to include or increase a benefit or reinstate the rider (whichever is the latest). For coronary artery by-pass surgery and angioplasty and other invasive treatment for coronary artery, the date of diagnosis shall refer to the date of diagnosis of the medical condition that leads to the surgical procedure, and not to the date of surgical procedure.
Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.
Important Notes
This is for general information only. You can find the usual terms and conditions of this Direct Purchase Insurance (DPI) at in the policy conditions for DIRECT Star Protect and the rider, DIRECT Dread Disease for Whole Life. All our products are developed to benefit our customers but not all may be suitable for your specific needs. DPI may not be suitable for you if you are unsure about which type of DPI or how much coverage to buy as no financial advice is provided during the purchase process. In such a case, we strongly encourage you to seek advice from a qualified insurance advisor who will be able to advise you on a suitable product. 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 may be zero or 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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as of 12 May 2022.
Apply for DIRECT Star Protect.