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Here’s what you get with Star Term Protect.
Stay protected against death, terminal illness, total and permanent disability (TPD before the anniversary immediately after the insured reaches the age of 70).
Guaranteed renewal[1] of your policy, with coverage up to a maximum age of 84 (last birthday).
Need more protection?
Enhance your coverage with a rider.
Enhance your coverage with Hospital CashAid rider[2] that provides payouts in the event of hospitalisation, to help reduce your out-of-pocket expenses. With the Major Impact Benefit[3], you will also be covered against future unknown diseases[3] 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). Benefits for Hospital CashAid rider
You will receive the sum assured for this rider in the event of death, total and permanent disability (TPD before age 70), terminal illness or diagnosis of dread disease[4] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
You will receive the sum assured for this rider upon diagnosis of early, intermediate or advanced stage specified dread diseases[4,5,6] (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. The rider also provides Advanced Restoration Benefit[6], which offers 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.
(Only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider.
(Only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally and permanently disabled (TPD before age 70), or are diagnosed with a dread disease[4] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
You will not need to make future premium payments for your basic policy if you are diagnosed with a dread disease[4] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Let us walk you through Star Term Protect.
30 years old
Mr Tan, a non-smoker, buys a Star Term Protect policy with a sum assured (SA) of$250,000. He pays a yearly premium with a policy term of 20 years. His premium term is up to age 50.
To enhance his hospital coverage, he supplements his plan with the Hospital CashAid rider1 with a sum assured of$100.
49 years old
By the age of 49, Mr Tan has paid a total premium of$8,494.
He suffers a massive stroke and develops heart complications. This results in total and permanent disability (TPD) due to the paralysis of one side of his body.
He is hospitalised for 65 days, of which he spent 5 days in the ICU after his surgery.
- Hospital Cash Benefit2: $100 (SA) x 65 days =$6,500
- Additional Intensive Care Unit Benefit2,3:
$100 (SA) x 2 times x 5 days =$1,000 - Major Impact Benefit4: $100 (SA) x 10 times =$1,000
- Recovery Benefit2,5:$100 (SA)
He receives a total claim payout of$258,600 from his policy and rider. After claiming his payout, his policy and rider will end.
The figures used are for illustrative purposes only and are rounded up to the nearest dollar. Premium rates are non-guaranteed and may be reviewed from time to time.
Important notes
1For 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 contract for further details.
2We 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).
3We will pay the Additional Intensive Care Unit Benefit in addition to Hospital Cash Benefit. But if we have paid the Hospital Cash Benefit, which is 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.
4An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more, which is claimable under the Major Impact Benefit, is subject to the policy’s terms, conditions, and exclusions. 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 the insured only once per policy year.
Please refer to the policy contract for further details.
5Recovery Benefit will only be paid once for the same stay in hospital as the Hospital Cash Benefit claim.
© 2022 Income Insurance. All rights reserved.
25 years old
Jessica, a non-smoker, is looking for a term life plan for herself. She signs up for Star Term Protect with a sum assured of$200,000. She pays her yearly premiums of$575 with a policy term of 20 years.
She wants to enhance her coverage for added protection against early-, intermediate-, and advanced-stage specified dread diseases. She adds on Total Protect rider1,2,3 with a sum assured of$100,000 and Dread Disease Premium Waiver rider 1.
30 years old
After 24 months, Jessica gets extra coverage from the Advanced Restoration Benefit3.
35 years old
Jessica is diagnosed with advanced-stage breast cancer. She receives a payout of$50,000 from the Advanced Restoration Benefit3. This is 50% of the Total Protect1,2,3 sum assured.
Her premiums for the remaining 10 years of her basic policy are also waived.
- Basic policy premium waived: 10 x $120 =$1,200
Her total premium waived is$1,200. Her basic policy remains in force.
The$200,000 sum assured in her Star Term Protect policy is not utilised, since it is only activated in the event of death, terminal illness, as well as total and permanent disability.
45 years old
Jessica reaches the end of the policy term after 20 years and thus, her policy ends.
The figures used are for illustrative purposes only and are rounded up to the nearest dollar. Premium rates are non-guaranteed and may be reviewed from time to time.
Important notes
1Essential Protect, Total Protect, Dread Disease Premium Waiver and Enhanced Payor Premium Waiver
You can find the list of specified dread diseases and their definitions in their respective policy contracts. We will not pay this 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, and coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. If the insured undergoes angioplasty and other invasive treatment for coronary artery during the term of the rider, we will pay 10% of the sum assured, up to S$25,000. We will only pay for this condition once under this benefit. After this payment, we will reduce the sum assured of this rider accordingly. We will work out any future premiums or claims based on the reduced sum assured.
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.
2Total Protect is a rider that provides coverage against early-, intermediate-, and advanced-stage specified dread disease. We pay the sum assured under this rider upon diagnosis of the insured with one of the specified dread diseases (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. Any payment for an early- and intermediate-stage specified dread diseases will reduce the sum assured of the rider to zero. You can find the list of early-, intermediate-, and advanced-stage specified dread diseases and their definitions in their respective policy contracts.
3If you are successful in claiming the early- and intermediate-stage dread disease benefit, all benefits under this rider will end except the Advanced Restoration Benefit. You will stop making premium payments on this rider. This rider will continue to apply for the Advanced Restoration Benefit during this period even though you are not paying the premiums.
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.
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).
Please refer to the policy contract for further details.
© 2022 Income Insurance. All rights reserved.
Your policy toolkit
Eligibility and payment frequency
You can decide on the policy coverage period based on your needs.
| Coverage period | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| Between 5 & 35 years, in multiples of 5 years * | 0 | 79 |
| Up to age 54 (last birthday) | 0 | 49 |
| Up to age 64 (last birthday) | 0 | 59 |
| Up to age 74 (last birthday) | 0 | 69 |
*Subject to the maximum coverage age of up to age 84 (last birthday)
You have to pay premiums throughout the whole policy term. You can make your premium payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Your queries answered.
Star Term Protect is a non-participating, regular premium term plan that provides insurance coverage for a limited period of time.
It provides protection against death, total and permanent disability (TPD before the anniversary immediately after insured reaches the age of 70) and terminal illness during the term of the policy. This policy cannot be cashed in.
If there is no claim on this policy and the insured is below age of 80 at the time of renewal, we will allow renewal without underwriting up to the same amount of sum assured. We will renew the policy in multiples of 5 years. Each renewal term will not exceed the original contract term and the insured's 84th birthday.
If the insured dies during the term of the policy, we will pay the sum assured. The policy will end when we make this payment.
This policy is not valid if the insured commits suicide within one year from the cover start date.
We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.
Upon diagnosis of the insured with a terminal illness during the policy term, the sum assured will be paid. The policy will end when we make this payment.
Terminal illness, and terminally ill, means “any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the insured is expected to live for no more than 12 months.”
The specialist medical practitioner treating the condition must provide supporting evidence of the condition, possible medical treatment, the prognosis after undergoing the possible medical treatment, and certify that the insured is expected to live for no more than 12 months despite all possible medical intervention. We reserve the right to appoint an independent medical specialist who is an expert in the condition to confirm the diagnosis and prognosis.
Terminal Illness in the presence of HIV infection is excluded.
We will not pay this benefit if your claim arises from:
- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; or
- unlawful acts, provoked assault, or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.
Upon diagnosis of the insured with TPD (before the anniversary immediately after insured reaches the age of 70) during the policy term, the sum assured will be paid. The policy will end when we make this payment.
Total and permanent disability (TPD), and totally and permanently disabled, mean any of the below.
- If the insured is under 65 years old, TPD, and totally and permanently disabled mean total physical loss, or the inability to take part in any paid work for the rest of a person’s life.
- If the insured is 65 years old and above (but before the anniversary immediately after insured reaches the age of 70), TPD, and totally and permanently disabled mean total physical loss, or severe disability.
Total physical loss means:
- the total and permanent loss of sight in both eyes;
- the loss of, or total and permanent loss of use of, two limbs at or above the wrist or ankle; or
- the total and permanent loss of sight in one eye and the loss of, or total and permanent loss of use of, one limb at or above the wrist or ankle.
Severe disability means the inability to perform at least three of the following activities of daily living, even with the aid of special equipment and always needing the help of another person throughout the entire activity.
- Washing – the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means.
- Dressing – the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances.
- Transferring – the ability to move from a bed to an upright chair or wheelchair and vice versa.
- Mobility – the ability to move indoors from room to room on level surfaces.
- Toileting – the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene.
- Feeding – the ability to feed oneself once food has been prepared and made available.
We will not pay this benefit if your claim arises from:
- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide;
- unlawful acts, provoked assault or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.
We will also not pay this benefit unless the insured is certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.
Riders, also known as supplementary benefits, can be attached to a basic insurance policy to provide additional protection at lower cost.
The following riders / supplementary benefits can be added to Star Term Protect:
| List of available riders |
| Hospital CashAid |
| Essential Protect |
| Total Protect |
| Payor Premium Waiver |
| Enhanced Payor Premium Waiver |
| Dread Disease Premium Waiver |
The riders will be automatically renewed at the end of its contract term, subject to the conditions as stated in the policy document. The renewal premiums are calculated based on the attained age of the Insured at time of renewal.
The rider will cease immediately when the basic policy is terminated.
No, there is no cash or maturity value for this policy.
No, this policy is not eligible for bonus.
| Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 16* | N.A. |
* Parents cannot be the policyholder on their child who are 18 years old (age last birthday) and above at the point of application.
The entry age is from 0 to 79 last birthday, with the following available policy terms:
| Policy term | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| Between 5 & 35 years, in multiples of 5 years1 | 0 | 79 |
| Up to age 54 (last birthday) | 0 | 49 |
| Up to age 64 (last birthday) | 0 | 59 |
| Up to age 74 (last birthday) | 0 | 69 |
1Note: Subject to the maximum coverage age is up to age 84 (LB)
If there is no claim on this policy and the insured is below age of 80 at the time of renewal, we will allow renewal without underwriting up to the same amount of sum assured. We will renew the policy in multiples of 5 years. Each renewal term will not exceed the original contract term and the insured's 84th birthday.
Premium payable upon renewal will be based on attained age.
Premium rates are guaranteed throughout the policy term and applicable to standard lives.
No, you can only use cash to buy this policy.
The minimum sum assured of each policy is subject to the minimum premium payment of each premium payment frequency. The maximum sum assured for the policy is $499,999.
| Premium Payment Frequency | Minimum Premium Amount |
| Monthly | $10.00 |
| Quarterly | $29.70 |
| Half-yearly | $58.85 |
| Yearly | $115.40 |
Backdating is allowed if all of the following conditions are met:
i. The backdating is for a traditional individual (savings or protection) life policy paying regular premium or single premium. Backdating for investment-linked policy and annuity policy is not allowed;
ii. The backdating results in a lower premium or better protection value / policy payouts due to a lower entry age; and
iii. The policy is backdated to a date up to one day before the Insured’s last birthday and it must be within 6 months from date of receipt of application by Income.
iv. Backdating of policy to a date before the launch date of the main plan or rider is not allowed.
Understand the details
[1] Guaranteed renewal is applicable only if there is no claim on your policy during the policy term and the insured is age 79 (last birthday) and below. We will renew your policy for the same sum assured and policy term. However, if the insured’s 84th birthday falls within the next policy term, we will only renew it for a shorter term (in multiples of 5 years) such that the renewal term will not exceed the insured’s 84th birthday. The renewal premium will be determined by Income and is based on the policy’s renewal term, sum assured and the age of the insured at the time the policy is renewed.
[2] 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 contract for further details.
[3] 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, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions. 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 contract for further details.
[4] Essential Protect, Total Protect, Dread Disease Premium Waiver and Enhanced Payor Premium Waiver
You can find the list of specified dread diseases and their definitions in their respective policy contracts. We will not pay this 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 and coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. If the insured undergoes angioplasty and other invasive treatment for coronary artery during the term of the rider, we will pay 10% of the sum assured, up to S$25,000. We will only pay for this condition once under this benefit. After this payment, we will reduce the sum assured of this rider accordingly. We will work out any future premiums or claims based on the reduced sum assured.
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.
[5] Total Protect is a rider that provides coverage against early, intermediate and advanced stage specified dread disease. We pay the sum assured under this rider upon diagnosis of the insured with one of the specified dread diseases (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. Any payment for an early and intermediate stage specified dread diseases will reduce the sum assured of the rider to zero. You can find the list of early, intermediate and advanced stage specified dread diseases and their definitions in their respective policy contracts.
[6] If you are successful in claiming the early and intermediate stage dread disease benefit, all benefits under this rider will end except the Advanced Restoration Benefit. You will stop making premium payments on this rider. This rider will continue to apply for the Advanced Restoration Benefit during this period even though you are not paying the premiums.
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.
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).
Please refer to the policy contract for further details.
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.
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. This plan does not have any cash value.
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 Insurance 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 at 14 January 2026
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