Protect your child's happiness for life

^#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.