Add Advanced Secure Accelerator Rider to your Star Secure main plan and get the ultimate protection against future unknown diseases[6] like the recent COVID-19^ that was only discovered in December 2019.
^ A waiting period of 90 days will apply from the cover state date for Advanced Secure Accelerator rider and Major Impact Benefit.
Please see policy contract for details.
Here’s what you get with Star Secure.
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Choose from five levels of protection (up to 500%[1][2] of your sum assured) against death, terminal illness, and total and permanent disability.
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Stay covered against accidental death[1][3] (before the anniversary immediately after the insured reaches the age of 70).
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Choose how long you want to pay for the premiums, from 5 to 30 years (in intervals of five) or up to age 64.
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Future premiums waived and receive lump sum of 24 months of premiums upon the death, diagnosis of terminal illness or total and permanent disability of a family member[1][4] (before the anniversary immediately after he or she reaches the age of 70).
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You will not need to pay for premiums for up to 6 months if you are retrenched[1][5] and unable to find employment for 3 months in a row.
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Add riders to get more protection such as against early and intermediate stage dread diseases and future unknown diseases, like COVID-19[6].
For a closer look at what this plan offers, view our full coverage table.
Need more protection?
Enhance your coverage with riders.
Advanced Secure Accelerator
Get comprehensive coverage against 49 specified dread diseases[7]. Before the anniversary immediately after the insured reaches age of 70, you can also enjoy the minimum protection value[1][2] based on your basic policy.
With the Major Impact Benefit[8], you will also be covered against future unknown diseases[6] including the recent COVID-19^ or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an intensive care unit (ICU) for 5 days or more at a go. Only valid before the insured turns 85.
^ A waiting period of 90 days will apply from the cover state date for Advanced Secure Accelerator rider and Major Impact Benefit. Please see policy contract for details.
Early Secure Accelerator
Increase your coverage to 142 medical conditions and cover up to $350,000[9] for early and intermediate stage dread diseases. Before the anniversary immediately after the insured reaches age of 70, you can also enjoy the minimum protection value[1][2] based on your basic policy.
With the Advanced Restoration Benefit[10], you will also get extra coverage for stroke with permanent neurological deficit, major cancer, and heart attack of specified severity after an early or intermediate stage dread disease claim is made.
You must attach the Advanced Secure Accelerator rider to the basic policy if you would like to add the Early Secure Accelerator rider.
The rider also provides additional payouts under the Special and Mental Benefit[11][12] and Juvenile Benefit[12][13].
Hospital CashAid
Enhance your coverage with Hospital CashAid rider[14] that provides payouts in the event of hospitalisation, to help reduce your out-of-pocket expenses. With the Major Impact Benefit[15], you will also be covered against future unknown diseases[6] or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an Intensive Care Unit (ICU) for 5 days or more at a go.
Choose your rider term with coverage up to a maximum of age 84 (last birthday).
Dread Disease Premium Waiver
You will not need to make future premium payments for the policy if you are diagnosed with dread disease[7] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Enhanced Payor Premium Waiver
(Only applicable if the insured is not the policyholder)
You will not need to make future premium payments for the policy that you have bought for your loved one, if you pass away, are totally and permanently disabled (TPD before age 70), or are diagnosed with dread disease[7] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Let us walk you through Star Secure.
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How Star Secure safeguards you
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28 years old
Mr Lim, a non-smoker, married, buys a Star Secure1 policy with a sum assured of $100,000. His premium term is up to age 64.
He chooses the coverage with minimum protection value1,2 of 300%.
He also supplements his plan with the Advanced Secure Accelerator rider3 with a sum assured of $100,000 and Early Secure Accelerator rider4 with a sum assured of $50,000.
Furthermore, to enhance his hospital coverage, he adds on Hospital CashAid rider5 with a sum assured of $100.
He pays an annual premium of $3,3235 as of age 28.
36 years old
Mr Lim is diagnosed with early-stage colon cancer and stays in the hospital for 14 days.
- Payout amount
Early Secure Accelerator rider4:
- Early and Intermediate Stage Dread Disease Benefit: $50,000 x 300% = $150,000
Hospital CashAid rider5:
- Hospital Cash Benefit6: $100 x 14 days = $1,400
- Recovery Benefit6,7: $100
Early Secure Accelerator rider4 accelerates $50,000 from Star Secure1 and Advanced Secure Accelerator rider3.
Remaining sum assured on Star Secure1 and Advanced Secure Accelerator rider3: $50,000.
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After 24 months
Mr Lim enjoys extra coverage from Advanced Restoration Benefit8 under Early Secure Accelerator rider4.
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39 years old
Mr Lim’s wife is diagnosed with terminal illness. Because of this, his future premiums of $3,323 for Star Secure1, Advanced Secure Accelerator rider3, Early Secure Accelerator rider4 and Hospital CashAid rider5 will be waived.
He will also receive a lump sum of 24 months premiums for his basic policy and riders under Family Waiver Benefit1,9.
- Payout amount
Star Secure1:
- Family Waiver Benefit1,9: $6,912
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50 years old
Mr Lim contracted an unknown disease10 and stayed in ICU for 14 days.
- Payout amount
Advanced Secure Accelerator rider3:
- Major Impact Benefit11: ($50,000 x 300%) x 50% = $75,000
Hospital CashAid rider5:
- Hospital Cash Benefit6: $100 x 14 days = $1,400
- Additional Intensive Care Unit Benefit6,12: $100 x 2 times x 14 days = $2,800
- Major Impact Benefit13: $100 x 10 times = $1,000
- Recovery Benefit6,7: $100
Major Impact Benefit11 under Advanced Secure Accelerator rider3 accelerates $25,000 (50% of $50,000) from Star Secure1 and Advanced Secure Accelerator rider3.
Remaining sum assured on Star Secure1 and Advanced Secure Accelerator rider3: $25,000.
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60 years old
Mr Lim is diagnosed with advanced stage liver cancer and stays in the hospital for 120 days.
- Payout amount
Advanced Secure Accelerator rider3:
- Dread Disease Benefit: $25,000 x 300% = $75,000
Early Secure Accelerator rider4:
- Advanced Restoration Benefit8: $25,000 x 300% = $75,000
Hospital CashAid rider5:
- Hospital Cash Benefit6: $100 x 120 days = $12,000
- Recovery Benefit6,7: $100
Mr Lim received a total payout of $400,812 from his policy and riders. The policy and riders end.
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85 years old
If there is no claim up to this point, Mr Lim can look forward to an illustrated surrender value of $257,07514.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% p.a.
Should the long-term average return be 3.00% p.a., the illustrated surrender value at age 85 would be $137,95315.
1Star Secure includes a non-participating compulsory rider, Star Secure – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details.
2For Star Secure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Secure Accelerator rider’s and Early Secure Accelerator rider’s minimum protection value will follow Star Secure’s minimum protection value.
3Advanced Secure Accelerator is an accelerated whole life rider that provides coverage for specified dread diseases and Major Impact Benefit. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider.
Please refer to the policy conditions for further details.
Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).
4Early Secure Accelerator is an accelerated whole life rider that provides coverage for early and intermediate stage specified dread diseases. Any payment for an early or intermediate stage specified dread disease will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount we pay under this rider. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy conditions for further details.
If you succeed in claiming the early and intermediate stage dread disease benefit, the Special and Mental Benefit and Juvenile Benefit will end. You will stop making premium payments on the rider. The rider will continue to apply for the Advanced Restoration Benefit.
You will have to attach the Advanced Secure Accelerator rider to the basic policy if you would like to add the Early Secure Accelerator rider.
5For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy conditions for further details.
6We will not pay Hospital Cash Benefit, Additional Intensive Care Unit Benefit and Recovery Benefit where the insured stays in a hospital before or within 30 days from the cover start date (except for accidents).
7Recovery Benefit will only be paid once for the same stay in hospital as the Hospital Cash Benefit claim.
8You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended.
We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke with permanent neurological deficit, major cancer, and heart attack of specified severity). Once we make payment under this benefit, the rider will end. We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy conditions for further details.
9The family member means any of the following when you make a claim on the Family Waiver Benefit:
- your legal spouse if you are the insured;
- you if the insured is your legal spouse; or
- the insured’s legal or natural parents if the insured is a juvenile
The benefit will not apply if the family member becomes totally and permanently disabled, becomes terminally ill or dies from any condition of the family member that is diagnosed, treated, for which a registered medical practitioner was consulted or for which the existence or onset of signs or symptoms of any illness or disease were present, before or within 2 years from the cover start date or registration of marriage date, whichever is later. This benefit is payable if the family member is of age 64 or younger, at the time we issue the policy. The Family Waiver Benefit can only be claimed once. Please refer to the policy conditions for further details.
10An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more in one hospital admission, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions.
11We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. This benefit is not payable if your claim arise from the insured suffering symptoms of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accident). Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy conditions for further details.
12We will pay the Additional Intensive Care Unit Benefit in addition to Hospital Cash Benefit. But if we have paid the Hospital Cash Benefit, up to a maximum of 750 days for the same stay in a hospital, we will not pay Additional Intensive Care Unit Benefit any further.
13The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment.
We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy conditions for further details.
14The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
15The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on the estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.
© 2021 Income. All rights reserved.
Whole Life Insurance
Star Secure (covers COVID-19)
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Coverage for my whole life - Total and permanent disability protection
- Terminal illness protection
- Regular premium payment
- Premiums waived in the event of retrenchment
Compare with
Term Life Insurance
- Coverage up to age 100
- Guaranteed renewal when policy expires
- Terminal illness protection
- Regular premium payment
Your policy toolkit.
Eligibility and payment frequency
For policyholders
| Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 10 ^ | N.A. |
For the insured
| Premium Term | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 5, 10, 15, 20 years | 0 | 64 |
| 25 years, Up to age 64 | 0 | 59 |
| 30 years | 0 | 54 |
^ Individuals who take up the policy on their own from 10 to 15 years old (last birthday) will require parental/legal guardian’s consent. Parents cannot take up policies on the lives of their children who are 18 years old (last birthday) and above.
You can make your payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Application forms
Your queries answered.
Print all queries
Footnotes
- Star Secure includes a non-participating compulsory rider, Star Secure – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details.
- For Star Secure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Secure Accelerator rider’s and Early Secure Accelerator rider’s minimum protection value will follow Star Secure’s minimum protection value.
- Accidental death benefit is payable only if the death was a result of an accident (before the anniversary immediately after insured reaches the age of 70), we will pay an additional 200% of the sum assured, on top of the death benefit, as long as he or she was not taking part in a restricted activity at the time of the accident. If the insured was taking part in a restricted activity at the time of the accident, we will only pay an additional 60% of the sum assured, on top of the death benefit. We will pay this benefit only if the death happens within 365 days of the accident.
- The family member means any of the following when you make a claim on the Family Waiver Benefit.
- your legal spouse if you are insured;
- you if the insured is your legal spouse; or
- the insured’s legal or natural parents if the insured is a juvenile
The benefit will not apply if the family member becomes totally and permanently disabled, becomes terminally ill or dies from any condition of the family member that is diagnosed, treated, for which a registered medical practitioner was consulted or for which the existence or onset of signs or symptoms of any illness or disease were present, before or within 2 years from the cover start date or registration of marriage date, whichever is later. This benefit is payable if the family member is of age 64 or younger, at the time we issue the policy. The Family Waiver Benefit can only be claimed once. Please refer to the policy conditions for further details. - Star Secure must be valid and in-force for at least 6 months from the date we issue the policy, an endorsement to include or increase any benefit, or reinstate the policy (whichever is latest) with at least 6 months of premiums paid. Only premiums on the basic policy and Star Secure – Protection Benefit compulsory rider (excluding any riders attached) will be waived up to a maximum of 6 months of premiums. The policyholder will have to pay premiums for the month that permanent paid employment starts and this benefit will end. The Retrenchment Benefit can only be claimed once.
- An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more in one hospital admission, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions.
- We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days after the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. Please refer to the policy contract for further details.
Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).
For Dread Disease Premium Waiver and Enhanced Payor Premium Waiver, the premium waiver benefits do not apply for angioplasty and other invasive treatment for coronary artery. - We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. This benefit is not payable if your claim arise from the insured suffering symptoms of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accident). Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy conditions for further details.
- We will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured).
- You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended.
We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke with permanent neurological deficit, major cancer, and heart attack of specified severity). Once we make payment under this benefit, the rider will end. We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy conditions for further details. - For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than $30,000 for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured. Please refer to the policy conditions for further details.
- We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease any time before or within 90 days from the cover start date. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit.
- We will pay no more than $30,000 for each insured (no matter how many policies we have issued to cover each insured) for each Juvenile Benefit. At most, we will pay this benefit five times, as long as each claim is not for the same Juvenile Benefit as any of the earlier claims.
- For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy conditions for further details.
- The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment.
We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy conditions for further details.
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 plan in the policy conditions. 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 advisor. 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 23 July 2021.
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