Whole Life vs. Term Life.
What’s the difference?
Whole Life Insurance
-
![]()
Protection for your entire lifetime
-
![]()
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 have
Showing results for:
Showing results for:
Result
Whole Life Plans
DIRECT Star Protect Pro
Get coverage for death, terminal illness and total and permanent disability (TPD before age 65). Get it online at your convenience - anytime, anywhere.
- Coverage for my whole life
- Total and permanent disability protection
- Terminal illness protection
Provenance Solitaire
Preserve your family’s heritage and safeguard your loved ones, with just a single premium.
- Coverage for my whole life
- Single premium payment
- Terminal illness protection
Star Secure Pro
Get protection against death, total and permanent disability, and terminal illness, plus mental conditions, with the Early Life Accelerator rider add-on.
- Coverage for my whole life
- Total and permanent disability protection
- Terminal illness protection
Term Life Plans
Complete Cancer Care
A term life insurance plan that provides comprehensive support every step of the way, from diagnosis to remission.
- Cancer coverage
- Regular premium payment
- Guaranteed renewal when policy expires
Complete Critical Protect
Receive continuous protection against dread disease from diagnosis to recovery.
- Dread disease protection
- Regular premium payment
- Cancer coverage
Corporatised Entities Group Insurance Scheme
Affordable insurance for employees of corporatised organisations and their families.
DIRECT Star Term
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
DIRECT Star Term (Non-Renewable)
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
DIRECT Star Term (Renewable)
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
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
HomeTeamNS Insurance Scheme and HomeTeamNS Living Policy
Affordable insurance for HomeTeamNS members that provides coverage for death, permanent disablement and more.
Lady 360
A comprehensive yet affordable protection plan designed for women.
- Cancer coverage
- Dread disease protection
- Designed for female protection needs
LUV
Affordable Term Life Insurance for NTUC members that provides coverage for death, permanent disability, and more.
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
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
OCBC Protect
For just 52 cents[1] a day, OCBC cardholders can get affordable insurance coverage.
SAFRA Essential Term and SAFRA Living Care
Affordable insurance for SAFRA members that provides coverage for death, permanent disability and more.
Star Term Protect
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
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
