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An introduction to Term Insurance Plans And Policies

Understand how term insurance plans and policies works

What are Term Insurance Plans and Policies

Term Insurance Plans and Policies provide coverage for a fixed period of time and can be used to supplement additional coverage requirement for a limited period of time. As there are no saving or investment elements in such policies, there will be no cash value upon maturity or termination.

Read AlsoTerm Insurance: How does it work?

Why choose Term Insurance Plans and Policies

As premiums for Term insurance policy are comparatively lower than Whole Life insurance, such products are popular among adult that just started working for protection purpose. Sometimes, the additional coverage is only required for a period of time, such as education and living expenses of child or mortgage of property.

Term Insurance Plans and Policies can provide a boost in coverage when you need it the most.

Term insurance usually offers a high level of coverage and protection for Early Critical illness, Critical Illness, Death, Total Permanent Disability, Terminal illness at a fraction of the cost of other insurance policy.

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What else should be considered when taking up Term Insurance Plans and Policies

As long as the policy is in force and premiums are paid on time, term insurance is usually guaranteed renewable, so coverage can be extended. However, the premium will increase along with age and premium can be substantial after age 60. Do note that as the policy has no cash value, late or no payment will result in a lapse of policy and subsequent acceptance of a new policy will be at the insurer discretion should any illness occurs on the policyholder.

Read about3 things to consider before taking up a new financial product

Read about: 8 commonly made financial mistakes by Singaporean

Buy term, invest the rest?

Compared to investment, the returns from life insurance policy may not be as attractive. This has prompt some individuals to instead purchase a term insurance and focus on wealth generation in their Investment Portfolio.

While higher growth in wealth may be achieved over a long time horizon through a well-maintained portfolio, a certain level of discipline and judgement will be required for consistent investment return to be realised.

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Alternatively, Whole Life Insurance which combines considerable protection coverage with investment element can also be a part of your Insurance Portfolio.

Read about: Term life or Whole Life (Financial analysis and comparison)

What are the Term Insurance Plans and Policies available?

Without preferences and in no order of ranking, here are some of the popular term insurance available in Singapore:

AvivaMyProtector – Level Plus

PrudentialPruTerm Vantage

AIASecure Term Plus (II)

AXAAXA Term Protector

Great EasternPrestige Term

NTUC IncomeiTerm

Personalised term insurance plans

Get the maximum value out of your term life plan!

3 easy steps for your customised insurance plan
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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.

Name:

Gender:

Birthdate:

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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:

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Step 3: Finding the best term life plans for you!

InterestGuru.sg team of financial planners will compare and provide you with the best term life insurance plans based on your inputs.

Contact:

Email:

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

Where can I find out more about the benefits and coverage of Term Insurance Plans and Policies?

Use our InterestGuru Insurance quotation system to receive the most competitive quotes available.

INSTANT quotes for Term Life Plans
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Term Life Plans

Matching your profile…

Let’s start by filtering out the best term life plans based on your age and gender.             

Your current age is closest to:

Your gender is:

Male Female
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Term Life Plans

Understanding your coverage needs…

A term life insurance plan covers the gaps in your insurance shortfall for a specific period of time. Your coverage can be further enhanced with critical illness protection.

You need a death coverage (base coverage) of:

You need a critical illness coverage (optional) of:

100%

Term Life Plans

Finding you the best term life insurance plans!

Regardless of the length of coverage, a term life insurance plan has no future surrender cash value. The premium payable may significantly increases when coverage is extended to over the age of 65.

You need insurance coverage (policy term) for:

INSTANT quotes for Term Life Plans

Drop us a message should you require additional information and we will get back to you on your questions as soon as possible.

 

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