1. /protect-happiness
  2. http://www.income.com.sg/protect-happiness
  3. /protect-happiness
  4. /protect-happiness

Protect your child's happiness for life

with a life insurance plan for yourself.

What is your priority in protecting your child’s happiness?

Pick one to view plans based on your priorities.

Provide what makes my child happy no matter what happens in life.

Give my child a head start in life so they can pursue what makes them happy.

Provide what makes my child happy

You can nurture your child’s happiness by providing them with treats and experiences that cultivate their passions, recognise their personal achievements, develop their skills, and enable them to forge strong bonds with others.

Having a life insurance plan for yourself ensures that you will never need to put a pause on providing what makes your child happy. In the event of a critical illness, total permanent disability or death, the payouts received can maintain your child’s quality of life.

Star Assure

  • Choose up to 500% of sum assured against death, terminal illness or total and permanent disability (before anniversary immediately after age of 70)
  • Add riders for future unknown diseases, early and intermediate stage of dread diseases
  • Retrenchment benefit to cushion against economic volatility
Find out more

iTerm

  • Affordable coverage against death, terminal illness, total and permanent disability (TPD before age 70)
  • Guaranteed renewal1 of your policy, with coverage up to a maximum age of 84 (last birthday)
  • Reduce out-of-pocket expenses with optional Hospital CashAid rider in the event of hospitalisation
Find out more

Cancer Protect

  • Pays 25% of sum assured upon diagnosis and claim for early stage cancer4 with no reduction of the policy’s sum assured
  • Pays 125% of sum assured upon diagnosis of advanced stage cancer5 if claim was not made for an early stage cancer
  • No medical check-up required6
Find out more

Family Protect

  • Protection against death, terminal illness, total and permanent disability (TPD before age of 70) and dread disease
  • Additional 25% of sum assured per surviving dependent, up to 100% of sum assured
  • Get back 20% of all net premiums you have paid at the end of the policy term2
  • No medical check-up required3
Find out more

Mortgage Term

  • Covers your mortgage loan in the event of death, total and permanent disability (TPD before age 70), or terminal illness
  • Flexible policy terms and choice of loan interest rate to meet your needs
  • Enhance your coverage with Essential Protect rider for coverage against dread disease
Find out more

Lady 360

  • Pays up to 100% of sum assured for certain female-specific illnesses and up to 50% of sum assured for specific surgeries arising from female illnesses
  • Enjoy continuous coverage even if you have claimed for more than one insured event
  • Available biennial health screening after the 2nd year of your policy
Find out more

Give my child a head start in life

You can nurture your child’s happiness by providing them with treats and experiences that cultivate their passions, recognise their personal achievements, develop their skills, and enable them to forge strong bonds with others.

Having a life insurance plan for yourself ensures that you secure a legacy for your child, giving them a head start in life and the financial freedom to pursue what makes them happy.

Star Assure

  • Choose up to 500% of sum assured against death, terminal illness or total and permanent disability (before anniversary immediately after age of 70)
  • Add riders for future unknown diseases, early and intermediate stage of dread diseases
  • Extra coverage with Advanced Restoration Benefit after claim is made on rider
Find out more

Legacy Solitaire

  • Up to 320% of sum assured against death and terminal illness
  • Covers total and permanent disability (before the anniversary immediately after age of 70) with Disability Protection Accelerator rider
  • Guaranteed cash value of 80% of your single premium8 from the start of your policy
Find out more

TermLife Solitaire

  • Coverage of $500,000 or more against death and terminal illness
  • Enhance coverage with optional riders against total and permanent disability and dread disease
  • Guaranteed renewal of policy up to age 1007
Find out more

Surprising Insights From Parents and Children

90%

of children were concerned that their lifestyle would be impacted due to a lack of money, such as not being able to do things they enjoy, to go on family vacations, to receive gifts or buy the latest gadgets and more

70%

of parents would cut back on non-essential items related to their child’s happiness

82%

of parents agree that money and financial security are important to their child’s happiness, especially when they are young

Find out more about the research commissioned by Income here.

Experience the Income Difference

We protect over 2 million customers in Singapore+.

We are ranked the #1 insurer for Trust and Value#.

We have tools that enable a 100% digital engagement process for your convenience and safety.

We provide holistic financial planning services as one of the top composite insurers+.

We protect over 2 million customers in Singapore+.

We are ranked the #1 insurer for Trust and Value#.

We have tools that enable a 100% digital engagement process for your convenience and safety.

We provide holistic financial planning services as one of the top composite insurers+.

Take the first step towards protecting your child’s happiness.

If you are ready to start planning, leave us your contact details for an Income Advisor to contact you and work out a detailed plan that fits your financial planning needs.
 

By providing the information, I consent and agree to NTUC Income, its representative and agents (collectively “Income”) to collect, use, disclose my personal data (including any update that I have given to Income) to contact me for my financial planning needs as well as to provide me with marketing and promotional information relating to products and/or services offered and/or distributed by Income via email, call, and/or text messages/SMS.

The marketing consent provided by me in this form is in addition to any consent which I may have provided previously in respect of the above purposes. The marketing consent that I have provided to Income shall remain valid, unless it is withdrawn and notified to Income in the manner prescribed below.

I may withdraw my above consent by email to mk@income.com.sg.  

If I have notified Income that I am withdrawing my consent, I understand that I will stop receiving marketing messages after 30 days for the selected mode(s) of communication. I agree that I will continue to receive marketing messages via other modes of communication or on specific product(s) or services where my consent has been given to Income unless such consent has been withdrawn.

Please refer to Income’s Privacy Policy for more information, including access and correction of my personal data and consent withdrawal.

OR

Chat instantly and anonymously with our advisors now!

Protect Happiness Articles

  1. ac044352-34f7-4a89-865d-bde535f0ecf6

5 Ways to Unlocking Your Child’s Happiness

Read more
  1. dc3cb1f0-7b46-4b4b-b1ee-768e2266d206

Money Can’t Buy Your Kid Happiness – Or Can It?

Read more
  1. 03c63a0f-5255-44c8-9685-de2c4a8122ab

Protect Your Loved Ones With The Right Family Insurance Policies

Read more
  1. ce0fbf28-9ee7-4ad7-807b-6e224d639d6b

Life Insurance in a Nutshell

Read more
  1. ab24d096-3792-435d-a70d-94b3ee5df462

Star Assure: Protection Against New Viruses (Like COVID-19)

Read more
  1. d05b763d-c8b6-4b2a-9d9c-8170455eee2b

5 Intangible Gifts You Can Give Your Child on Children's Day

Read more
  1. e8aa1b85-ac18-4dc6-80dc-b298fe49afeb

Protecting My Kids’ Happiness: Two Cancer Survivors Agree on What Matters Most

Read more

#Nielsen, 2019

+Income Corporate Information

 

The information and descriptions on this website are provided solely for general informational purposes and do not constitute any financial advice. It does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Do note that not all our plans are included on this website. The precise terms, conditions and exclusions of these plans are specified in their respective policy contract. 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 adviser. 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, if applicable, may be zero or less than the premiums you have paid for the plan.

 

These policies are 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 30 Sep 2020.

 

Footnotes

 

1Guaranteed renewal is applicable only if there is no claim on your policy during the contract term and the insured is age 79 (last birthday) and below. We will renew your policy for the same sum assured and contract term. However, if the insured’s 84th birthday falls within the next contract 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.

 

2If the insured survives at the end of the policy term, and the policy has not ended, the policy will pay out a Cashback Benefit of 20% of all net premiums paid. Net premiums means the regular premium amount as shown in the schedule, or the reduced regular premium if the sum assured was changed earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premiums paid. Net premiums exclude the premiums paid on riders.

 

3Underwriting will be based on the health declaration found in your proposal form or the medical questionnaires. However, if we deemed necessary after assessing the declaration, we may require the insured to go for specified medical tests.

 

4The definitions for early stage major cancer are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an early stage major cancer. We will only pay this benefit once. We will not pay it again even if the policy is renewed. 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. Cover start date refers to the date we issue the policy; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the policy (whichever is latest).

 

5The definitions for advanced stage major cancer are found in the policy conditions. The insured must survive for at least 30 days after the diagnosis of an advanced stage cancer. We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the cover start date.

 

6Underwriting will be based on the health declaration found in your proposal form or the medical questionnaires. However, if we deem necessary after assessing the declaration, we may require the insured to go for specified medical tests.

 

7Guaranteed renewal is applicable until the insured is 75 years or older at the time the policy is due for renewal. If there is no claim on your policy during the policy term, we will renew your policy for the same sum assured and policy term. However, if the insured’s 100th birthday falls within the next policy term or if the original policy term is not in multiple of five years, we will only renew it for a shorter term (in multiple of 5 years, subject to a minimum of 10 years) such that the renewal term will not exceed the insured’s 100th birthday or the original policy term. 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.

 

8Guaranteed cash value of 80% of your single premium applies to policies issued at standard premium. Standard premium refers to the premium amount before any premium discount or additional premiums charged due to medical conditions.