Complete Life Secure

Benefits under the policy and riders are subject to their respective waiting periods and survival periods before they are payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You may refer to the policy conditions at income.com.sg/complete-life-secure-policy-conditions.pdf for the details and the definition of all covered conditions.

[1] Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).

[2] Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.

[3] For major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after making an early or intermediate stage dread disease claim. Policy Ts&Cs apply. 

[4] Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[5] Applicable for the child of Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.

[6] You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout.
The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary:
- the insured turns age 50; or
- the premium term ends and all premiums have been fully paid, whichever is later.
The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis.
You must fulfil the following criteria in order to exercise the option:
- this is not a paid-up policy;
- you do not have any policy loan on this policy;
- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and
- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.
In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

[7] If you are retrenched, you will not have to pay the premiums for the basic policy and Complete Life Secure – Protection Benefit up to six months from the next premium due date onwards. For this to apply, you must meet all the following conditions.
- You must have paid at least six months’ premiums.
- Your retrenchment must have taken place no earlier than six months after the cover start date.
- You have not been able to find employment for three months in a row after being retrenched.
You can claim for the Retrenchment Benefit only once under this policy. Please refer to the policy conditions for further details.

[8] If the insured experiences a life event, the insured may choose to take up a new policy with only death and totally and permanently disabled benefits on the insured’s life, without us having to assess the insured’s health. We will limit the sum assured for the new policy to 50% of the sum assured for this basic policy that is before the basic policy’s sum assured has been reduced due to an accelerated payment or exercising the Flexi Cash Access option or $100,000 per policy, whichever is lower. The insured can take up this option no more than two times. Each time the insured takes up this option, it must be on a different life event. The insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[9] Any payment made for Dread Disease Benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
Please refer to the policy conditions for further details.

[10] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.

[11] The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.

[12] You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.

[13] For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details.

[14] For policies we have issued that have the Juvenile 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.

[15] The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, 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). Please refer to the policy conditions for further details.

[16] 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.

[17] 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.

[18] 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.

[19] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. 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 higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s Multiplier Cover (when Multiplier Cover applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.

Benefits under the policy and riders are subject to their respective waiting periods and survival periods before they are payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You may refer to the policy conditions at income.com.sg/complete-life-secure-policy-conditions.pdf for the details and the definition of all covered conditions.

[1] Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).

[2] Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.

[3] For major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after making an early or intermediate stage dread disease claim. Policy Ts&Cs apply. 

[4] Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[5] Applicable for the child of Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.

[6] You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout.
The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary:
- the insured turns age 50; or
- the premium term ends and all premiums have been fully paid, whichever is later.
The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis.
You must fulfil the following criteria in order to exercise the option:
- this is not a paid-up policy;
- you do not have any policy loan on this policy;
- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and
- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.
In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

[7] If you are retrenched, you will not have to pay the premiums for the basic policy and Complete Life Secure – Protection Benefit up to six months from the next premium due date onwards. For this to apply, you must meet all the following conditions.
- You must have paid at least six months’ premiums.
- Your retrenchment must have taken place no earlier than six months after the cover start date.
- You have not been able to find employment for three months in a row after being retrenched.
You can claim for the Retrenchment Benefit only once under this policy. Please refer to the policy conditions for further details.

[8] If the insured experiences a life event, the insured may choose to take up a new policy with only death and totally and permanently disabled benefits on the insured’s life, without us having to assess the insured’s health. We will limit the sum assured for the new policy to 50% of the sum assured for this basic policy that is before the basic policy’s sum assured has been reduced due to an accelerated payment or exercising the Flexi Cash Access option or $100,000 per policy, whichever is lower. The insured can take up this option no more than two times. Each time the insured takes up this option, it must be on a different life event. The insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[9] Any payment made for Dread Disease Benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
Please refer to the policy conditions for further details.

[10] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.

[11] The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.

[12] You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.

[13] For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details.

[14] For policies we have issued that have the Juvenile 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.

[15] The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, 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). Please refer to the policy conditions for further details.

[16] 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.

[17] 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.

[18] 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.

[19] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. 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 higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s Multiplier Cover (when Multiplier Cover applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.

Benefits under the policy and riders are subject to their respective waiting periods and survival periods before they are payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You may refer to the policy conditions at income.com.sg/complete-life-secure-policy-conditions.pdf for the details and the definition of all covered conditions.

[1] Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).

[2] Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.

[3] For major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after making an early or intermediate stage dread disease claim. Policy Ts&Cs apply. 

[4] Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[5] Applicable for the child of Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.

[6] You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout.
The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary:
- the insured turns age 50; or
- the premium term ends and all premiums have been fully paid, whichever is later.
The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis.
You must fulfil the following criteria in order to exercise the option:
- this is not a paid-up policy;
- you do not have any policy loan on this policy;
- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and
- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.
In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

[7] If you are retrenched, you will not have to pay the premiums for the basic policy and Complete Life Secure – Protection Benefit up to six months from the next premium due date onwards. For this to apply, you must meet all the following conditions.
- You must have paid at least six months’ premiums.
- Your retrenchment must have taken place no earlier than six months after the cover start date.
- You have not been able to find employment for three months in a row after being retrenched.
You can claim for the Retrenchment Benefit only once under this policy. Please refer to the policy conditions for further details.

[8] If the insured experiences a life event, the insured may choose to take up a new policy with only death and totally and permanently disabled benefits on the insured’s life, without us having to assess the insured’s health. We will limit the sum assured for the new policy to 50% of the sum assured for this basic policy that is before the basic policy’s sum assured has been reduced due to an accelerated payment or exercising the Flexi Cash Access option or $100,000 per policy, whichever is lower. The insured can take up this option no more than two times. Each time the insured takes up this option, it must be on a different life event. The insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[9] Any payment made for Dread Disease Benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
Please refer to the policy conditions for further details.

[10] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.

[11] The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.

[12] You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.

[13] For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details.

[14] For policies we have issued that have the Juvenile 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.

[15] The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, 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). Please refer to the policy conditions for further details.

[16] 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.

[17] 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.

[18] 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.

[19] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. 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 higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s Multiplier Cover (when Multiplier Cover applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.

Benefits under the policy and riders are subject to their respective waiting periods and survival periods before they are payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You may refer to the policy conditions at income.com.sg/complete-life-secure-policy-conditions.pdf for the details and the definition of all covered conditions.

[1] Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).

[2] Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.

[3] For major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after making an early or intermediate stage dread disease claim. Policy Ts&Cs apply. 

[4] Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[5] Applicable for the child of Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.

[6] You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout.
The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary:
- the insured turns age 50; or
- the premium term ends and all premiums have been fully paid, whichever is later.
The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis.
You must fulfil the following criteria in order to exercise the option:
- this is not a paid-up policy;
- you do not have any policy loan on this policy;
- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and
- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.
In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

[7] If you are retrenched, you will not have to pay the premiums for the basic policy and Complete Life Secure – Protection Benefit up to six months from the next premium due date onwards. For this to apply, you must meet all the following conditions.
- You must have paid at least six months’ premiums.
- Your retrenchment must have taken place no earlier than six months after the cover start date.
- You have not been able to find employment for three months in a row after being retrenched.
You can claim for the Retrenchment Benefit only once under this policy. Please refer to the policy conditions for further details.

[8] If the insured experiences a life event, the insured may choose to take up a new policy with only death and totally and permanently disabled benefits on the insured’s life, without us having to assess the insured’s health. We will limit the sum assured for the new policy to 50% of the sum assured for this basic policy that is before the basic policy’s sum assured has been reduced due to an accelerated payment or exercising the Flexi Cash Access option or $100,000 per policy, whichever is lower. The insured can take up this option no more than two times. Each time the insured takes up this option, it must be on a different life event. The insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[9] Any payment made for Dread Disease Benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
Please refer to the policy conditions for further details.

[10] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.

[11] The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.

[12] You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.

[13] For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details.

[14] For policies we have issued that have the Juvenile 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.

[15] The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, 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). Please refer to the policy conditions for further details.

[16] 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.

[17] 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.

[18] 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.

[19] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. 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 higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s Multiplier Cover (when Multiplier Cover applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.

Benefits under the policy and riders are subject to their respective waiting periods and survival periods before they are payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You may refer to the policy conditions at income.com.sg/complete-life-secure-policy-conditions.pdf for the details and the definition of all covered conditions.

[1] Multiplier cover means a percentage of the sum assured shown in the policy schedule. The Multiplier Cover is applicable before the anniversary immediately after the insured reaches the age of 65, 75 or 80 (whichever is applicable).

[2] Complete Life Secure includes a non-participating regular premium compulsory rider, Complete Life Secure – Protection Benefit. It pays the Retrenchment Benefit and part of the Multiplier Cover. Please refer to the policy conditions for further details.

[3] For major cancer, heart attack of specified severity and stroke with permanent neurological deficit, even after making an early or intermediate stage dread disease claim. Policy Ts&Cs apply. 

[4] Upon diagnosis of the insured with early, intermediate or advanced stage dread disease covered under Dread Disease Benefit, a new term policy covering the insured may be taken up with only death and terminal illness benefits, without us having to assess the insured’s health. Total and permanent disability will not be covered by the new term policy. The new term policy will include a waiting period of 2 years, within which we will not pay any claims. If an event giving rise to a claim occurs during the 2-year waiting period, we will not pay any claim under the new term policy, the new term policy will end and we will refund 100% of the premiums paid for the new term policy. We reserve the right to decide the type of new term policy to be offered and the insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[5] Applicable for the child of Complete Life Secure policyholder between ages 7 and 18 upon successful claim of a critical illness or dread disease. Other policy and campaign Ts&Cs apply.

[6] You may exercise the Flexi Cash Access option to use a percentage of the basic policy’s sum assured for its cash value to receive an annual cash payout.
The request to exercise this option must be made at least 30 days before each anniversary, starting from the anniversary:
- the insured turns age 50; or
- the premium term ends and all premiums have been fully paid, whichever is later.
The cash payout will start from the anniversary immediately following our acceptance of the request and will be paid on an annual basis.
You must fulfil the following criteria in order to exercise the option:
- this is not a paid-up policy;
- you do not have any policy loan on this policy;
- the percentage of the basic policy’s sum assured you are using must be within the range of percentage determined by us; and
- the basic policy must meet the minimum sum assured requirement and the cash payout must meet the minimum amount as determined by us.
In the event the basic policy’s sum assured has been reduced because of accelerated payment, the cash payout will continue until the basic policy’s sum assured becomes zero. We reserve the right to adjust the cash payout in the event of any claims paid under the policy. Please refer to the policy conditions for further details.

[7] If you are retrenched, you will not have to pay the premiums for the basic policy and Complete Life Secure – Protection Benefit up to six months from the next premium due date onwards. For this to apply, you must meet all the following conditions.
- You must have paid at least six months’ premiums.
- Your retrenchment must have taken place no earlier than six months after the cover start date.
- You have not been able to find employment for three months in a row after being retrenched.
You can claim for the Retrenchment Benefit only once under this policy. Please refer to the policy conditions for further details.

[8] If the insured experiences a life event, the insured may choose to take up a new policy with only death and totally and permanently disabled benefits on the insured’s life, without us having to assess the insured’s health. We will limit the sum assured for the new policy to 50% of the sum assured for this basic policy that is before the basic policy’s sum assured has been reduced due to an accelerated payment or exercising the Flexi Cash Access option or $100,000 per policy, whichever is lower. The insured can take up this option no more than two times. Each time the insured takes up this option, it must be on a different life event. The insured must meet all the conditions to take up this option as listed in the policy conditions. Please refer to the policy conditions for further details.

[9] Any payment made for Dread Disease Benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider.
For policies issued by us that include early and/or intermediate dread disease of the same dread disease, we will pay no more than $350,000 for the same dread disease for each insured (no matter how many policies we have issued to cover each insured).
Please refer to the policy conditions for further details.

[10] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider and its basic policy by the same amount that we pay under this rider. Please refer to the policy conditions for further details.

[11] The total benefits (in relation to any dread disease benefits or equivalent benefits) under all policies, whether issued and paid by us or any other insurer, cannot be more than $3.6 million (including premiums waived due to dread disease but excluding bonuses) (“Dread Disease Per Life Limit”). Please refer to the policy conditions for further details.

[12] You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the Dread Disease Benefit for an early or intermediate stage dread disease and if your basic policy has not ended. We will only pay for this benefit once and this rider will end. Any amount we pay under Advanced Restoration Benefit will reduce the Dread Disease Per Life Limit. Please refer to the policy conditions for further details.

[13] For policies issued by us that include Special Benefit or Special and Mental Benefit, we will pay no more than the maximum claim limit for the same condition or procedure for each insured, no matter how many of such policies we have issued to cover the same insured.
At most, we will pay the Special Benefit five times, as long as each claim is not for the same Special Benefit as any of the earlier claims.
At most, we will pay the Mental Benefit three times, as long as each claim is not for the same Mental Benefit as any of the earlier claims. In addition, for each claim under the Mental Benefit as listed in the policy conditions, the diagnosis of the conditions must be at least 3 years apart.
Please refer to the policy conditions for further details.

[14] For policies we have issued that have the Juvenile 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.

[15] The stay in ICU must be confirmed as necessary medical treatment. You can only claim the Major Impact Benefit once under this rider. For policies we have issued that have Major Impact Benefit, 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). Please refer to the policy conditions for further details.

[16] 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.

[17] 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.

[18] 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.

[19] Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. 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 higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s Multiplier Cover (when Multiplier Cover applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.