Etiqa DIRECT Term Life Review

The complete Pros and Cons on Etiqa DIRECT Term Life

Etiqa DIRECT Term Life has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

Etiqa DIRECT term life product details

  • Non-participating policy – Term policy
  • Issuance age from 19 to 65 years old
  • Provides you with the same amount of coverage throughout the policy duration
  • Receive a guaranteed lump sum of money if death, total and permanent disability (up to age 65) or terminal illness occurs within the policy duration
  • Choose your protection level between $50,000 to $400,000
  • 3 choices of plan duration – 5 years (renewable), 20 years or up to age 65

Read AboutTerm Policy: How does it work?

Read About3 things to consider before taking up a new financial product

Features of Etiqa DIRECT term life at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

DIRECT – Etiqa CI rider

Additional Features and Benefits


Read Also: No budget for financial planning?

Etiqa DIRECT term life may be suitable if you are looking for

Etiqa DIRECT term life may potentially be a good fit if the following matters to you:

  • High Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill shortfall in insurance portfolio

Etiqa DIRECT term life may not suitable if you are looking for

Etiqa DIRECT term life may potentially be a bad fit if the following matters to you:

  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value.

Further considerations on Etiqa DIRECT term life

  • How is Etiqa or Etiqa DIRECT term life payout and claims based on past track record?
  • How does Etiqa DIRECT term life compare with Term policy from other insurance companies?
  • Can Etiqa DIRECT term life fulfil my financial, insurance, health and protection needs?

The above information may not fully highlight all the product details and features on  Etiqa DIRECT term life. Talk to us or seek advice from a financial adviser before making any decision about  Etiqa DIRECT term life.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Is Etiqa DIRECT term life suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

We compare quotations head to head on all leading insurers in Singapore

Personalised term insurance plans

Get the maximum value out of your term life plan!

3 easy steps for your customised insurance plan

Step 1: Getting to know you…

Let's start with a introduction of your personal profile. Please note that your current age and gender affects the insurance premium you have to pay for your term life plan.





Step 2: Understanding your coverage needs…

Please select the amount and period of coverage that is needed for this term life plan.

How much life coverage (sum assured) do you need:

This insurance coverage is needed to the age (policy term) of:


Step 3: Finding the best term life plans for you! team of financial planners will compare and provide you with the best term life insurance plans based on your inputs.



Please check your inbox for an e-mail of your savings needs and we will be in contact with you within 24 hours.

Personalised term insurance plans


Contact Form

Before you go...
Etiqa DIRECT Term Life may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


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