Term Life, Early CI & Critical Illness Coverage Calculator
Estimate your term life, early critical illness and major critical illness coverage gap in Singapore.
Personal Details
Term Life Coverage
This estimates how many years your family may need income replacement if death or total permanent disability happens.
Early Critical Illness Coverage
This estimates how many years of income you may want covered if an early-stage critical illness affects your ability to work or earn normally.
This is an extra amount set aside for recovery-related costs, such as treatment options, second opinions, medication, transport, home help, reduced work hours, or taking time off to recover.
Major Critical Illness Coverage
This estimates how many years of income you may want covered if a serious critical illness causes longer recovery time or affects your ability to work.
This is an extra amount for recovery-related expenses on top of income replacement, such as treatment choices, caregiving support, home adjustments, or time away from work.
Hospital insurance helps with medical bills. CI coverage provides a lump sum that can be used more flexibly for income replacement and recovery needs.
Almost done — unlock your report
Enter your details to unlock your personalised term life, Early CI and Major CI coverage report.
Your details help us prepare a more relevant term life, Early CI and Major CI plan comparison.
Your Estimated Coverage Report
Term Life Coverage Gap
$0
Early CI Coverage Gap
$0
Major CI Coverage Gap
$0
Preferred Term Period
-
This helps estimate how long your temporary protection should last.
How to read this result:
Term life insurance may be suitable if you want:
- Higher coverage at a lower starting premium
- Protection for a fixed period such as until age 65 or 70
- Mortgage, family or income replacement coverage
- Optional early critical illness or major critical illness riders
This calculator provides a simplified estimate for educational purposes only. It does not take into account your full financial situation, affordability, underwriting, CPF coverage, existing policies, medical history, policy riders, claim definitions, exclusions, waiting periods, or insurer-specific product terms. For personalised advice, speak with a licensed financial adviser representative.
