NTUC Income DIRECT Star Classic Protect Review

The complete Pros and Cons on NTUC Income DIRECT Star Classic Protect

NTUC Income DIRECT Star Classic Protect is a participating whole life insurance plan, receive non-guaranteed bonus alongside sum assured coverage when a claim is made.

NTUC Income DIRECT Star Classic Protect product details

  • Life policy – Whole Life Policy
  • Coverage; Sum Assured $50,000 to $200,000
    • Be covered 100% of Sum Assured against Death, Terminal Illness, and Total and Permanent Disability (TPD up to age 65)
  • Premium Term
    • Pay premiums up to age 69 or 84 Age of Next Birthday (ANB)
  • DIRECT Dread Disease Rider for Whole Life
    • Receive coverage against Critical Illnesses

Read AboutWhole Life Policy: How does it work?

In-depth Review3 Best Whole Life Plans in Singapore for Insurance Coverages (2020 Edition)

Features of NTUC Income DIRECT Star Classic Protect 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 rider)
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 Dread Disease Rider for Whole Life

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 DIRECT Star Classic Protect may be suitable if you are looking for

NTUC Income DIRECT Star Classic Protect 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 Critical Illness coverage with a rider 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.

Read About: How much insurance coverage do you really need in Singapore *NEW*

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

NTUC Income DIRECT Star Classic Protect may not be suitable if you are looking for

NTUC Income DIRECT Star Classic Protect 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: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2020 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2020 Edition)

Further considerations on NTUC Income DIRECT Star Classic Protect

  • How are the investment returns of NTUC Income or NTUC Income DIRECT Star Classic Protect based on historical performance?
  • How good is NTUC Income DIRECT Star Classic Protect compared to Whole Life Policies from other insurance companies?
  • Can NTUC Income DIRECT Star Classic Protect fulfill my financial insurance, health, and protection needs?

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

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

Read AboutWhere do I start with financial planning?

Read About: 8 Commonly made financial mistakes by Singaporeans

Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the InterestGuru.sg platform.

INSTANT quotes for Whole Life Plans
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Whole Life Plans

Matching your profile…

Let’s start by filtering out the best whole life plans based on your age and gender. Your gender and age will affect the base premium payable.

Your current age is closest to:

Your gender is:

Male Female
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Whole Life Plans

Understanding your coverage needs…

You whole life plan can provide comprehensive coverage against all 37 major illness. Choose the level of protection you need for yourself and your family.

You require a critical illness (for late stage major illness) coverage of:

You require an early critical illness (for all stages of major illness) coverage of:

100%

Whole Life Plans

Finding you the best whole life plans…

Your annual insurance premium will be lower if you choose to spread out your premium term over a longer period of time.

Your prefer to make payment (premium term) for this whole life plan over a period of:

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Is NTUC Income DIRECT Star Classic Protect suitable for me?

Contact InterestGuru using the form below. Our panel of Independent financial planners 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.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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

Personalised whole life plans

Pay for what you need in a whole life plan!

3 easy steps for your customised whole life insurance plan
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Step 1: Getting to know you…

Let's start with a brief introduction of your personal profile. Please note that your current age and gender affects the insurance premium payable for your whole life plan.

Name:

Gender:

Birthdate:

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Step 2: Understanding your coverage needs…

Please select the amount (sum assured) and type of lifetime coverage that is required for this plan:

You need a death coverage (base coverage) amount of?

Do you required critical illness coverage in the event of a major illness (optional)?

100%

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

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

Contact:

Email:

Please check your inbox for an e-mail of your financial planning needs. We will be in contact with you within 24 hours.

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Before you go...
NTUC Income DIRECT Star Classic Protect 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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