What is Term Life Insurance?

Term Life Insurance provides coverage for a specified period, offering financial protection for your loved ones during critical times for an affordable premium in exchange for no cash values.

Benefits of Term Life Insurance:

Lower Cost:
Term life insurance is more affordable than whole life insurance, making it accessible for many.
Fixed Premiums:
Premiums remain constant throughout the policy term.
Flexibility:
You can choose the term length (e.g., 10, 20, 30 years) based on your financial needs and goals.
No Cash Value:
Term life insurance does not accumulate cash value, which helps keep the premiums lower.
Additional Riders:
You can add riders for extra coverage, such as critical illness or disability.

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singlife
Singlife Elite Term II

Coverage Term
5/10 years (renewable), 11-85, or till age 99

Option to Add Early CI Riders
Yes

Special Benefit
100% Premium Refund if live beyond age 99, surrender benefit

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manulife
ManuProtect Term (II)

Coverage Term
5/10 years (renewable), 11-40 years, or till age 65/75/85

Option to Add Early CI Riders
Yes

Special Benefit
Quit Smoking Incentive, Preferred Life Coverage

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china taiping
i-Protect

Coverage Term
5/10 years (renewable), 11-40 years or till age 65, 75 or 85.

Option to Add Early CI Riders
Yes

Special Benefit
safeguard against 149 conditions

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tokio marine
TM Term Assure II

Coverage Term
5/10 years renewable till age 85

Option to Add Early CI Riders
Yes

Special Benefit
Add TM Protect 1 (1 out of ADL Income Plan)

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income
Star Term Protect

Coverage Term
Up to age 84

Option to Add Early CI Riders
No

Special Benefit
Hospital Cash Benefit

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china taiping
Term Guardian

Coverage Term
5 years (renewable) till age 79, 20 years up to age 64

Option to Add Early CI Riders
Yes

Special Benefit
25 Special conditions, 5 Mental Well-being Conditions

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