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Less financial stress and more assurance
with Gro Cash Sure
If you are worried about money, you are not alone.
Most people are stressed about the financial commitments they have and the uncertainties in life. Some of these financial stresses include losing your job, inability to pay your bills or coping with the increasing cost of living. So while you can’t be certain about things in life, you can be sure of having your capital guaranteed[1] with Gro Cash Sure.
Start saving confidently with Gro Cash Sure
Capital guaranteed[1] upon the end of premium term.
Enjoy lifetime cash payouts[2] starting from the end of the premium term till age 120.
Choose your premium term of 5 or 10 years based on your lifestyle and financial goals.
Appoint your loved one as a secondary insured[3] so your policy can continue in the event of death of the insured.
Receive coverage[4] in the event of the insured’s death or diagnosis of terminal illness.
Guaranteed option to buy another life policy for additional coverage on the life of the original insured[7] at a specified life event[8].
Here’s a closer look at some of the benefits you get.
Lifetime cash payouts starting from the end of the premium term till age 120
Receive a lifetime of cash payouts up to 9.9% of the sum assured[2] so you can continue to enjoy the things you love while you save. You may also have the option to choose between yearly or monthly cash benefits[2].
Get rewarded with our loyalty bonus
Boost your savings with our loyalty bonus[2] in addition to the cash bonus from the end of 20 years after the premium term is completed.
Option to accumulate or enjoy your cash payouts
Choose to receive your cash payouts and spend it however you like or accumulate with us at a non-guaranteed interest rate for higher returns.
Guaranteed acceptance regardless of health conditions
Enjoy hassle-free application without the need for any medical check-up, which means you can start building your wealth with just a simple step.
Need more protection?
Enhance your coverage with a rider
In the unfortunate event of Total and Permanent Disability (TPD before the anniversary immediately after you reach the age of 70), the future premiums on the basic policy will be waived[5] for the remaining premium term. The basic policy will continue to apply (as if premiums have been paid) during this period. A lump sum benefit equivalent to two years annual premium of the basic policy and Savings Protector Pro rider will also be paid. You will also enjoy peace of mind in the event of retrenchment. Should you get retrenched and stay unemployed for 3 consecutive months, you do not have to pay premiums for your basic policy and Savings Protector Pro rider for up to 6 months with our Retrenchment Benefit[5]. You will still receive the same coverage during that time and have a peace of mind while looking for a new job. If you remain retrenched at the end of the 5th month when your premiums are waived for your policy, you can choose to defer the payment of premiums for your policy for the next 6 months.
You can also choose to add on the Cancer Premium Waiver (GIO) rider so that your future premiums are waived should you be diagnosed with a major cancer during the term of the rider[6].
Max the stress ball has been out of a job ever since his owner, David, started enjoying capital guarantee^ with Gro Cash Plus and Gro Cash Sure. Watch as Max becomes a stressed-out ball, taking his own stress on the office. ^Policy Ts&Cs apply.
Let us walk you through Gro Cash Sure.
35 years old
Jane wants to prepare for her future. She signs up for Gro Cash Sure with a sum assured of $24,200. She pays a yearly premium of $6,000 for a premium term of 10 years.
50 years old
Jane buys a new condominium and withdraws the illustrated accumulated cash payout of $14,5603 to fund her renovation expenses.
Important notes
However, should Jane survive till a ripe old age of 120 years old she would receive a maturity benefit6 of $72,3953 and the policy would have provided an illustrated total cash payout2 of $180,2503 from age 45 to age 120 (this amount includes the yearly cash payout accumulated from age 45 to age 50 which was withdrawn to fund her renovation expenses).
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum.
Should the long-term average return be 3.00% per annum, the illustrated yearly cash payout2 would be $1,4527, the illustrated withdrawal amount for Jane’s renovation expenses at age 50 would be $9,0457, the illustrated yearly cash payout with loyalty bonus would be $1,5372,7, and the death benefit5 would be $68,3227 when Jane passes away at age 100. If Jane survives till a ripe old age of 120 years old, the maturity benefit6 would be $72,1047 and the policy would have provided an illustrated total cash payout2 of $115,4457 from age 45 to age 120 (this amount includes the yearly cash payout accumulated from age 45 to age 50 which was withdrawn to fund her renovation expenses).
1At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid, excluding premiums paid on riders. If the policyholder choose to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income Insurance may tell the policyholder about. Income Insurance will use the new sum assured and reduced regular premium amount excluding premiums paid on riders to work out the guaranteed cash value (if any) from the policy entry date.
2If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit, by applying a bonus rate to the sum assured, and may include any loyalty bonus payable from the end of 20thpolicy year after the end of premium term. Income Insurance may or may not pay this cash bonus for each policy year. Each yearly cash benefit is 2% of the sum assured and the non-guaranteed cash bonus without loyalty bonus is 7.3% of your sum assured and with loyalty bonus is 7.9% of your sum assured (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). At an illustrated investment rate of return of 3.00% per annum, the non-guaranteed cash bonus without loyalty bonus is 4% of your sum assured and with loyalty bonus is 4.35% of your sum assured.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. Please refer to the policy contract for further details.
The above-mentioned percentages of the sum assured do not reflect the policy’s illustrated yield upon surrender. The sum assured in this plan is a notional value used to determine the cash benefit and non-guaranteed bonuses. It does not represent the amount payable upon death or diagnosis of terminal illness.
3The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 3.00% per annum and it is not guaranteed.
4Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy contract for further details.
5If the insured becomes terminally ill or dies during the term of this policy, Income Insurance will pay the sum of:
- The higher of:
- 105% of all net premium(s) paid excluding premiums paid on riders; or
- the guaranteed portion of the cash value,
- A terminal bonus.
Income Insurance will pay the cash value if it is higher than the sum calculated above and any cash benefits and cash bonuses which have built up, including any interest earned until then. The policy terminates thereafter.
6If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. Income Insurance will also pay any cash benefits and cash bonuses which have built up.
7The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 1.50% per annum and it is not guaranteed.
© 2025 Income Insurance. All rights reserved.
Mr Cheong: 55 years old
Mr Cheong wants to plan for his own retirement and leave a legacy for his son. He signs up for Gro Cash Sure with a sum assured of $51,000. He pays a yearly premium of $30,000 for a premium term of 5 years. He appoints his son, Darren (age 12), as the secondary insured1.
Mr Cheong: 60 years old
After the end of the 5thpolicy year, the policy’s capital is guaranteed2 and begins to pay an illustrated yearly cash payout3 of $4,7434. Mr Cheong chooses to receive the yearly cash payouts to support his retirement years.
- Total premiums paid for 5 years (Capital guaranteed2amount): $150,000
Mr Cheong: 80 years old
From the end of 20 years after the premium term is completed, Mr Cheong will start receiving a loyalty bonus3 from age 80 in addition to the cash bonus3. He will start receiving an illustrated yearly cash payout with loyalty bonus of $5,0493,4 to supplement his living expenses.
Mr Cheong: 90 years old
Darren: 47 years old
When Darren is age 47, Mr Cheong passes away at age 90. The policy continues with Darren as the insured and the yearly cash payouts will continue to be paid.
Important notes
However, should Darren pass away at age 75, the policy would have paid out $173,7924,6 and the policy terminates thereafter. The policy would have provided an illustrated total benefit of $465,5634 which is 3.10 times of the premiums paid.
The above figures are for illustrative purposes only and are rounded to the nearest dollar.
The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum.Should the long-term average return be 3.00% per annum, the illustrated yearly cash payout3 would be $3,0607 and the illustrated yearly cash payout with loyalty bonus would be $3,2393,7. Should Darren pass away at age 75, the policy would have paid out $172,7216,7 and the policy would have provided an illustrated total benefit of $360,2427. If Darren survives to the end of the policy term, the maturity benefit5 would be $173,6427 and the policy would have paid out an illustrated total benefit of $367,6417.
1Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy contract for further details.
2At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid, excluding premiums paid on riders. If the policyholder chooses to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income Insurance may tell the policyholder about. Income Insurance will use the new sum assured and reduced regular premium amount excluding premiums paid on riders to work out the guaranteed cash value (if any) from the policy entry date.
3If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit, by applying a bonus rate to the sum assured, and may include any loyalty bonus payable from the end of 20thpolicy year after the end of premium term. Income Insurance may or may not pay this cash bonus for each policy year. Each yearly cash benefit is 2% of the sum assured and the non-guaranteed cash bonus without loyalty bonus is 7.3% of your sum assured and with loyalty bonus is 7.9% of your sum assured (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). At an illustrated investment rate of return of 3.00% per annum, the non-guaranteed cash bonus without loyalty bonus is 4% of your sum assured and with loyalty bonus is 4.35% of your sum assured.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. Please refer to the policy contract for further details.
The above-mentioned percentages of the sum assured do not reflect the policy’s illustrated yield upon surrender. The sum assured in this plan is a notional value used to determine the cash benefit and non-guaranteed bonuses. It does not represent the amount payable upon death or diagnosis of terminal illness.
4The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 3.00% per annum and it is not guaranteed.
5If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. Income Insurance will also pay any cash benefits and cash bonuses which have built up.
6If the insured becomes terminally ill or dies during the term of this policy, Income Insurance will pay the sum of:
- The higher of:
- 105% of all net premium(s) paid excluding premiums paid on riders; or
- the guaranteed portion of the cash value,
- A terminal bonus.
Income Insurance will pay the cash value if it is higher than the sum calculated above and any cash benefits and cash bonuses which have built up, including any interest earned until then. The policy terminates thereafter.
7The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.00% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with us, the interest rate will be based on 1.50% per annum and it is not guaranteed.
© 2025 Income Insurance. All rights reserved.
Your policy toolkit
Eligibility and payment frequency
Entry Age (Age Last Birthday)
| Minimum | Maximum | |
|---|---|---|
| Insured | 0 | 75 - Premium Term |
| Policyholder | 16 | N.A. |
Premium Term: 5 or 10 years
The premium term cannot be changed after a claim has been made on the TPD benefit of Savings Protector Pro in the event it is attached to Gro Cash Sure.
You can make your payments monthly, quarterly, half-yearly, or yearly.
Brochures
Policy conditions
Your queries answered.
Gro Cash Sure is a regular premium whole-life plan with a policy term that lasts until the anniversary immediately after the original insured’s 120th birthday. The premium terms available are 5 and 10 years.
We will start paying a cash benefit at the end of the premium term. We will also pay a maturity benefit at the end of the policy term.
This plan provides protection against death and terminal illness of the insured during the policy term.
Yes, there is guaranteed acceptance for this plan regardless of the insured’s health condition. However, financial underwriting is applicable.
If the insured dies during the term of this policy, we will pay the sum of:
1. the higher of:
• 105% of all net premium(s) paid; or
• the guaranteed portion of the cash value, and
2. a terminal bonus.
We will pay the cash value if it is higher than the sum calculated above.
We will also pay any cash benefits and cash bonuses which have built up, including any interest earned, until then.
We will take any policy loan and interest from the benefit amount we will pay.
If you choose to receive the cash benefit in monthly payments, we will also pay the remaining monthly cash benefit payments and cash bonuses for the policy year that we have not paid you.
This policy will end when we make this payment. We will not pay any further benefits.
If you have appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.
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 the policyholder, and any amount the policyholder owes us, from the cover start date.
If the insured becomes terminally ill during the term of this policy, we will pay the sum of:
1. the higher of:
• 105% of all net premium(s) paid; or
• the guaranteed portion of the cash value, and
2. a terminal bonus.
We will pay the cash value if it is higher than the sum calculated above.
We will also pay any cash benefits and cash bonuses which have built up, including any interest earned, until then.
We will take any policy loan and interest from the benefit amount we will pay.
If you choose to receive the cash benefit in monthly payments, we will also pay the remaining monthly cash benefit payments and cash bonuses for the policy year that we have not paid you.
This policy will end when we make this payment. We will not pay any further benefits.
If you have appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.
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.
If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, we will start paying the cash benefit at the end of the premium term.
Each yearly cash benefit is 2% of the sum assured and we pay it every year as long as the insured is still alive and this policy has not ended.
If the sum assured of the policy is at least S$80,000, you can choose to receive the yearly cash benefit in monthly payments. We will work out the amount of each monthly cash benefit payment.
If the insured survives at the end of the policy term and the policy has not already ended, we will pay the final yearly cash benefit (in other words, 2% of the sum assured) and the cash bonus as a lump-sum with the maturity benefit. This policy will end when we make this payment.
You cannot change the payout frequency (i.e. between yearly or monthly) once the first cash benefit is paid.
You can choose to use the cash benefit in any one of the following ways.
- Place it in a deposit account to earn interest at a rate we will set.
- Receive it as a payout.
We will write to you before the first cash benefit to remind you what you chose. If we do not receive your instruction from you at least 30 days before the first cash benefit is due, we will go ahead with your original wishes.
We will follow this same choice for the later cash benefits, unless you tell us your choice at least 30 days before the next cash benefit is due.
If the original insured experiences any of the following life events, the original insured may choose to take up a new policy (with only death and total and permanent disability benefits) on their own life, without evidence of good health:
- Turning 21
- Marriage
- Divorce
- Becoming a parent
- Death of a spouse
- Purchase of a residential property
The following conditions are to be met to exercise the option to buy another life policy:
- The original insured must take up this option within three months after the date of the life event.
- The original insured must not be totally and permanently disabled, or be diagnosed with an advanced-stage dread disease at the time of taking up this option.
- The original insured must be 50 years old or under at the time of taking up this option.
- The life event must have taken place no earlier than 12 months after the cover start date of this policy.
- At our request, the original insured must provide satisfactory documentary proof of a life event.
The original insured has the option to buy another new life policy which covers only death and total and permanent disability. The list of plans available under the guaranteed insurability option are:
- Star Term Protect
- Mortgage Term
- Star Secure Pro
- DIRECT Star Protect Pro
You may appoint or remove a secondary insured before the death of the insured provided the following conditions are met:
- the premium of this policy is paid only with cash;
- no nomination of beneficiary has been made for this policy; and
- there is no change to the ownership of this policy including assignment, bankruptcy, and trust.
In the event of death of the insured, the secondary insured will become the insured of the policy and the policy continues until the death of the insured or end of the policy term, whichever happens first.
Any premium payments shall continue to be payable.
The policy can only have one insured at any point of time.
The secondary insured must be you (before the age of 65 years old), your spouse (before the age of 65 years old), or your child or ward (before the age of 18 years old) at the time of exercising this option.
You can exercise this option to appoint a secondary insured no more than three times.
Yes, cash value is available after premiums have been paid for at least 2 years.
At the end of the premium term, if you did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid excluding premiums paid on riders.
Yes, this policy is eligible for bonuses after the end of the second policy year. There are two types of bonuses:
• “Terminal” bonus is an extra bonus that we pay at the time of claim, surrender or maturity.
• “Cash” bonus is added on top of each cash benefit, by applying a bonus rate to the sum assured. This cash bonus may include any loyalty bonus payable from the end of 20th policy year after the end of premium term.
These bonuses are not guaranteed. They are recommended by our Appointed Actuary and approved by our Board of Directors.
Bonus pay-outs to policyholders are primarily influenced by the performance of the Life Participating Fund (Par Fund). The Fund’s performance is predominantly driven by factors such as the investment returns of the Par Fund, its expenses and claims experience. Aligned to industry practice, Income is safeguarding policyholders’ interest by allocating 90% of Par Fund surpluses to them. This means for every $9 distributed to policyholders, only a maximum of $1 is allocated to shareholders.
If the insured survives at the end of the policy term and this policy has not already ended, we will pay the cash value.
We will also pay any cash benefits and cash bonuses which have built up.
This policy will end when we make this payment.
Riders, also known as supplementary benefits, can be attached to a basic insurance policy to provide additional protection at lower cost.
The following rider(s) can be added to Gro Cash Sure:
| List of available rider(s) |
| Cancer Premium Waiver (GIO) |
| Savings Protector Pro |
| Minimum | Maximum | |
| Insured | 0 | 75 - premium term |
| Policyholder | 16 | N.A. |
The minimum and maximum sum assured are S$12,000 and S$3,500,000 respectively.
| Premium Term (Years) | Policy Term (Years) |
| 5 | Till age 120 |
| 10 |
The premiums can be paid monthly, quarterly, half-yearly or yearly.
No, you can only use cash to buy this policy.
Backdating is allowed if all of the following conditions are met:
• 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;
• The backdating results in a lower premium or better protection value / policy payouts due to a lower entry age;
• 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; and
• Backdating of policy to a date before the launch date of the main plan or rider is not allowed.
Yes, we may grant the loan from this policy depending on our terms and conditions.
We will take all loans and their interest from any amount we may be due to pay under this policy. If at any time the amount of the loans and interest is more than the cash value, this policy will end.
Understand the details
[1] At the end of the premium term, if the policyholder did not cash in this policy and all premiums for this policy have been paid for, the guaranteed cash value for this policy is equal to total premiums paid, excluding premiums paid on riders. If the policyholder choose to cash in this policy partially, the sum assured after the partial cash payout cannot be less than the minimum sum assured limit or any other amount Income Insurance may tell the policyholder about. Income Insurance will use the new sum assured and reduced regular premium amount excluding premiums paid on riders to work out the guaranteed cash value (if any) from the policy entry date.
[2] If the insured survives at the end of the premium term, and if all premiums for this policy have been paid for, Income Insurance will start paying the cash benefit at the end of the premium term. Income Insurance may pay a cash bonus on top of each cash benefit, by applying a bonus rate to the sum assured, and may include any loyalty bonus payable from the end of 20th policy year after the end of premium term. Income Insurance may or may not pay this cash bonus for each policy year. Each yearly cash benefit is 2% of the sum assured and the non-guaranteed cash bonus without loyalty bonus is 7.3% of your sum assured and with loyalty bonus is 7.9% of your sum assured (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). At an illustrated investment rate of return of 3.00% per annum, the non-guaranteed cash bonus without loyalty bonus is 4% of your sum assured and with loyalty bonus is 4.35% of your sum assured.
If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. Please refer to the policy contract for further details.
The above-mentioned percentages of the sum assured do not reflect the policy’s illustrated yield upon surrender. The sum assured in this plan is a notional value used to determine the cash benefit and non-guaranteed bonuses. It does not represent the amount payable upon death or diagnosis of terminal illness.
[3] Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times. Terms apply for the benefit. Please refer to the policy contract for further details.
[4] If the insured becomes terminally ill or dies during the term of this policy, Income Insurance will pay the sum of:
a. The higher of:
- 105% of all net premium(s) paid excluding premiums paid on riders; or
- the guaranteed portion of the cash value,
and
b. a terminal bonus.
Income Insurance will pay the cash value if it is higher than the sum calculated above and any cash benefits and cash bonuses which have built up, including any interest earned until then. The policy terminates thereafter.
[5] Savings Protector Pro is a non-participating rider, which includes the TPD Benefit and Retrenchment Benefit. Please refer to the policy contract for further details.
[6] This is applicable only after one year from the cover start date. Cover start date refers to the date we issue the rider or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is the latest). However, if the insured is diagnosed with any one of the major cancer within one year from the cover start date, we will end this rider and refund 100% of the premiums paid on this rider. You will then have to continue paying premiums for your Gro Cash Sure policy. The insured must survive at least 30 days after the insured is diagnosed with a covered major cancer before we pay the major cancer benefit. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, or received treatment for any cancer, including carcinoma-in-situ, before the cover start date. You can find the usual terms and conditions of this rider, full list of our specified major cancer and their definitions in your policy contract.
[7] Original insured means the insured that was appointed when Income Insurance issued the policy.
[8] If the original insured experiences a life event, they may choose to take up a new policy with only death and TPD benefits on their own life, without us having to assess their health. We will limit the sum assured for the new policy to 50% of the sum assured for this policy, or S$100,000, whichever is lower. Please refer to the policy contract for further details on life events and the full conditions for the application of the new life policy.
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, conditions and exclusions 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. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive may be zero or less than the premiums you have paid for the plan.
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 08 January 2026
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