NTUC Income Complete Life Secure Review

• NTUC Income Complete Life Secure is a whole life insurance plan that provides comprehensive coverage during your prime years and enjoy financial flexibility in retirement

NTUC Income Complete Life Secure product details

• Life policy – Whole Life Policy
• Flexible Premium Term
  • You can choose to pay premiums for 5, 10, 15, 20, 25, or 30 years, up to age 64
• Insurance Coverage
  • Choose a coverage of 100% up to 500% of Sum Assured against Death, Terminal Illness (TI), and Total and Permanent Disability
• Flexi Cash Access
  • Flexibility to convert a portion of the sum assured of your policy into an annual cash payout from age 50

• Retrenchment Benefit
  • Get continuous coverage in the event of retrenchment with up to 6 months of premiums waived if you are unemployed for 3 consecutive months

• Guaranteed option
  • Guaranteed option to purchase a specified new term plan covering death and terminal illness after a diagnosis of early, intermediate or advanced stage dread disease with the Guaranteed Post-Early DD Cover Option
• Comprehensive Choice of Riders
  • Early Critical Secure rider
    • Be covered for up to 159 conditions, which include early, intermediate and advanced stage dread diseases
    • Receive extra protection for advanced stage dread disease (major cancer, heart attack of specified severity and stroke with permanent neurological deficit), even after making an early or intermediate stage dread disease claim
    • Guaranteed Post-Early DD Cover Option – First in Singapore to allow purchase for a specified new term plan to get coverage for death and terminal illness without having to assess your health upon diagnosis of early, intermediate or advanced stage dread disease covered under the Dread Disease Benefit.
  • Advanced Critical Secure rider
    
    

Read About: Whole Life Policy: How does it work?

Read About: How pre-existing medical conditions can affect your insurance application

In-depth Review: 4 Best Whole Life Plans in Singapore for Insurance Coverages (Updated)

Features of NTUC Income Complete Life Secure at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No (Yes with riders)
Early Critical Illness: No (Yes with riders)

Health and Insurance Coverage Multiplier 
Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: Yes
Early Critical Illness: Yes

Optional Add-on Riders

Early Critical Secure Rider
Advanced Critical Secure Rider
Hospital CashAid Rider
Dread Disease Premium Waiver Rider
Enhance Payor Premium Rider

Additional Features and Benefits
Yes

For further information and details, refer to NTUC Income website. Alternatively, fill-up the form below and let us advise accordingly.

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NTUC Income Complete Life Secure may be suitable if you are looking for

NTUC Income Complete Life Secure may potentially be a good fit if the following matters to you:

• Higher protection for Death, Total and Permanent Disability, and Terminal Illness coverage at an affordable premium.
• Higher Early Critical Illness, Critical Illness coverage with riders in an Insurance Policy.
• Health and Protection coverage due to a shortfall in your Insurance Portfolio.
• Accumulating cash value in the policy for financial returns in the long-term.
• Paying premiums only for a limited number of years and enjoying coverage for a lifetime.
• Double the coverage benefit against accidental death
  
  

Read About: How much insurance coverage do you really need in Singapore (Updated)

In-depth Review: Term insurance vs Whole Life insurance – Which is better for you?

NTUC Income Complete Life Secure may not be suitable if you are looking for

NTUC Income Complete Life Secure may potentially be a bad fit if the following matters to you:

• Liquidity or flexibility of withdrawal in your Insurance policy.
• Access to cash from your policy on a regular basis.
• Insurance policy with a high surrender value in the early years of the policy.
• Potentially higher financial returns compared to a pure investment product.
  
  

In-depth Review: 4 Best Endowment Savings Plans in Singapore (Updated)

In-depth Review: 6 Best Investment Linked Policies in Singapore for Wealth Accumulation (Updated)

Further considerations on NTUC Income Complete Life Secure

• How is NTUC Income or NTUC Income Complete Life Secure investment returns based on historical performance?
• How does NTUC Income Complete Life Secure compare with Whole Life Policy from other insurance companies?
• Can NTUC Income Complete Life Secure fulfill my financial insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features on NTUC Income Complete Life Secure. Talk to us or seek advice from a financial adviser before making any decision about NTUC Income Star Secure.

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Is NTUC Income Complete Life Secure suitable for me?