Safeguard against dread diseases with comprehensive coverage, from early to advanced stage dread disease.
Plus, 8% first-year premium discount^ when you purchase a Complete Critical Protect plan.
| Qualifying Policy | First-Year Premium Discount (% of Premium Payable) |
| Complete Critical Protect | 8% |
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Understand the details
^To qualify for the First-Year Premium Discount, you must purchase a Complete Critical Protect policy, including any applicable rider(s) (“Qualifying Policy”), during the promotion period. Each Qualifying Customer is entitled to receive the First-Year Premium Discount once per Qualifying Policy. Other terms and conditions apply.
For enquiries on the Promotion, customers may reach out to Income Insurance via [email protected]
1. Income Insurance Limited (“Income Insurance”) is offering the following promotion(s) (the “Promotion”) subject to these Terms and Conditions:
1.1 A customer shall be eligible to enjoy the First-Year Premium Discount (the “Discount”) set out in the table below with the purchase of a Complete Critical Protect policy (the “Qualifying Policy”), including any applicable rider(s).
1.2 The customer must apply for the Qualifying Policy including any rider(s) (if applicable), as a policyholder (“Qualifying Customer”).
1.3 This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, and annually) as applicable to the Qualifying Policy and the applicable rider(s).
1.4 Subject to paragraph 8, the Discount shall be applied to each premium payable under the selected premium payment mode that falls due within the first policy year, starting from the policy entry date.
2. For a Qualifying Customer to be eligible to enjoy the Promotion:
2.1 The application for the Qualifying Policy, including the rider(s) (if applicable), must be submitted to Income Insurance from 13 October 2026 to 31 December 2026 (both dates inclusive) (the “Promotion Period”);
2.2 If such application is approved by Income Insurance, the Qualifying Policy must be issued by Income Insurance no later than 28 February 2027; and
2.3 At least one (1) month’s premium for the Qualifying Policy and the applicable rider(s) must be paid by the Qualifying Customer and received by Income Insurance, during the Promotion Period.
3. Subject to paragraph 4, a Qualifying Customer who applies for one or more Qualifying Policies during the Promotion Period will receive a Discount on a per-policy basis, provided that each Qualifying Policy meets the eligibility criteria in these Terms and Conditions.
4. For avoidance of doubt, the Promotion applies only to new Qualifying Policies, and a customer with any Qualifying Policy, including any rider(s) issued, whether issued before or during the Promotion Period and whether with any eligibility to enjoy the Promotion, who subsequently increases their sum assured or premium amount, tops-up, or applies for riders during the Promotion Period will not be eligible to enjoy this Promotion as a result of such increase(s) in sum assured and/or premium amount, top-ups or applications for riders.
5. For the avoidance of doubt, the Discount shall not be applied on:
5.1 any extra premiums arising from underwriting loadings; and
5.2 any premiums payable upon renewal of the Qualifying Policy.
6. The Discount under this Promotion shall not apply if the Qualifying Policy is cancelled within the fourteen (14) day free-look period. The premium amount refunded shall be in accordance with the relevant policy conditions and paragraph 14 below.
7. The Discount shall not apply if the Qualifying Policy is not taken up (i.e. not in force).
8. The Discount applicable to the premium payable for a Qualifying Policy and its applicable rider(s) shall no longer apply if the Qualifying Customer makes any application in relation to the Qualifying Policy in accordance with the terms of this paragraph 8:
8.1 This paragraph 8 applies to any applications submitted on or after 4 December 2026, where the date of submission is within twelve (12) months from the policy entry date of the relevant Qualifying Policy, and provided that such submission is approved by Income Insurance.
8.2 Where the Qualifying Customer makes any of the following applications in relation to a Qualifying Policy and Income Insurance approves that application, the Discount shall no longer apply with effect from the next premium payable (including any outstanding or reinstated premiums) following the date of approval by Income Insurance, regardless of the effective date of the approved application:
a) any change in sum assured or premium amount;
b) any change in premium payment frequency;
c) any addition or deletion of rider(s);
d) policy reinstatement;
e) any waiver claim made; and
f) policy surrender or termination of the Qualifying Policy and any applicable riders.
8.3 Without prejudice and in addition to paragraph 8.2 above, where the Qualifying Customer applies for:
a) any addition of riders, the Discount shall not apply to any premium required to be paid to Income Insurance to process and approve the application, and any premium payable thereafter for the new rider(s); and
b) policy reinstatement, the Discount shall not apply to any premium (including any outstanding premiums) required to be paid to Income Insurance to process and approve the application.
8.4 Upon the discontinuation of the Discount in accordance with this paragraph 8, premiums will be adjusted to the applicable non-discounted premium rates for the Qualifying Policy and any applicable riders.
9. All applications for the Qualifying Policy shall be subject to medical underwriting at Income Insurance’s absolute discretion.
10. A Qualifying Customer may not enjoy the Promotion in conjunction with any other promotion and/or incentive offered by Income Insurance.
11. Income Insurance reserves the right to replace this Promotion with another promotion of similar value at any time without prior notice.
12. The Discount is not exchangeable for cash or any benefits-in-kind.
13. Premium amounts are subject to rounding in accordance with Income Insurance’s prevailing practices.
14. The Promotion does not affect or change any term, condition or exclusion of the policy contract of the Qualifying Policies issued. The precise terms, conditions and exclusions of the Qualifying Policies are specified in their respective policy contracts. Where any premium is to be refunded in accordance with the policy conditions, the refund amount shall be based on the premium amount paid by the Qualifying Customer, less any applicable deductions under the policy conditions, and the Qualifying Customer shall not be entitled to receive any cash value in respect of any Discount enjoyed.
15. Under no circumstances shall Income Insurance be liable to any customer or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) in connection with, related to or resulting from the Promotion.
16. Income Insurance reserves the right to vary/amend the terms and conditions of this Promotion at any time without prior notice to customers.
17. Income Insurance’s decision on all matters relating to this Promotion shall be final, conclusive and binding. No appeals will be entertained.
All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up purchasing a product 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 seek. This policy does not have any cash value. The premiums for this plan include distribution costs, if any.
The precise terms, conditions and exclusions of the Complete Critical Protect policy are specified in income.com.sg/complete-critical-protect-policy-conditions.pdf.
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 websites (https://www.gia.org.sg or https://www.lia.org.sg or https://www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Protected by copyright and owned by Income Insurance Limited.
Information is correct as at 13 October 2026 (SGT).
