|Why This Account/Plan?
||An anticipated endowment plan that provides regular cash payments and provides coverage against Death or Total & Permanent Disability (TPD) coverage. With TM Lifestyle (LP-Rewards 15), you will receive a guaranteed 5% cash dividend and a non-guaranteed cash dividend of up to 3% to spend on whatever your wish! Because the dividends will be paid from year 11 of the plan onwards, it can also be geared to meet your retirement needs. The plan’s benefits last for 25 years but you only need to pay premiums for the 1st 10 years! From year 11 to 25, your only concern would be how you want to spend your dividend.
||An insurance plan that protects you in the event of Death and Total and Permanent Disability (TPD before the age of 65), by guaranteeing your family’s ownership of your home.
||A comprehensive yet flexible home insurance plan that protects against loss of or damage to the renovation and contents of your house. HouseBliss insures your contents on a “New-for-Old” basis, meaning your contents are covered on a full replacement value basis without deduction for any depreciation.
||An insurance protection plan that lasts your entire life. In the event of Death or Total & Permanent Disability (TPD)#, your loved ones will have a financial buffer to shelter them in their time of need. To strengthen your coverage, the plan comes with free terminal illness protection. Flexibility to choose your premium payment period, be it 5, 10, 15, 20 or 25 years.
||A life insurance plan that gives you the freedom to live your life to the fullest with comprehensive insurance coverage against Death, Dread Diseases and, Total and Permanent Disability and a choice of premium terms. We’ll even waive your premiums if you are retrenched. At age 60, you can convert your policy into a regular income stream for your golden years.
Receive Cash Dividend of up to 8% of your sum assured.Upon maturity, you will receive an additional guaranteed benefit equivalent to 25% of your sum assured and a non-guaranteed portion of up to 15% of your sum assured.
|•||Death or Total & Permanent Disability (TPD) coverage. |
|•||You will have the flexibility to leave the cash dividends with us to earn interest.|
|•||Option to enhance protection (Death or Total Permanent Disability (TPD) coverage) by adding a Term Rider.||
Pays the outstanding loan- If the unfortunate happens, the plan pays the outstanding mortgage loan.
|•||Covers your mortgage loan to enjoy greater peace of mind and security. |
|•||Cover for 30 Dread Diseases - You can cover yourself for 30 Dread Diseases for just a small premium.||
Insures your home against a wide range of unforeseen incidents.
|•||You can insure just the renovation and contents of your home or include coverage for the building. HouseBliss also provides other benefits for you, your family, your domestic helper and even your pet. |
|•||Provides up to 100% new-for-old coverage for your contents, with no depreciation factored in.||
|•||Death, Total & Permanent Disability (TPD) coverage & Free Terminal Illness Protection. |
|•||Option to include coverage for 30 Dread Diseases (DD), thereby widening your scope of protection. |
|•||Enhanced Liquidity with interest-free loan on your policy to tide you over when you are in need of extra funds.|
|•||Protection value increases over time with the yearly bonus which is guaranteed once declared and will be added to the basic sum assured.||
Flexible premium period.
|•||Comprehensive coverage for Death, Total and Permanent Disability and 30 Dread Diseases. |
|•||125% coverage during the 1st 15 years.|
Peace of mind for your loved ones – with up to 3X the sum assured, plus bonuses.
|•||Premium waiver if you are retrenched.|
|•||Additional conversion bonus when you convert your policy into an annuity.||