NTUC Income Star Secure Pro Review

The complete Pros and Cons on NTUC Income Star Secure Pro

Receive whole life coverage against 152 critical illnesses of all stages, total permanent disability, terminal illness, and death with the latest whole life plan, NTUC Income Star Secure Pro, and its riders.

NTUC Income Star Secure Pro 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
  • Increased Insurance Coverage – For when it matters most
    • Receive up to 500% of your chosen sum assured up to age 75 or 80 against Death, Terminal Illness, and Total and Permanent Disability
    • Multiplier coverage up till age 75 or 80, base policy applies till death or surrendering
  • Critical Illness Riders – Receive comprehensive coverage
    • Early Life Accelerator rider
      • Receive coverage against 152 critical illnesses of early, intermediate and advance stage
      • Additional coverage against cell, tissue, and gene therapy in the event of catastrophic cancer – First in Singapore
      • Additional coverage against stroke with permanent neurological deficit, major cancer and heart attacked of specified severity after an early or intermediate critical illness claim is made
    • Advanced Life Accelerator rider
      • Receive coverage against 56 advanced-stage critical illnesses
      • Coverage against future unknown diseases, surgery or suffering from an infection that requires 5 days or more stay in ICU
  • Family Waiver Benefit – In the event of death, permanent disability or terminal illness of an immediate family member
    • Future premiums for the basic policy and riders will be waived for your spouse or child + a lump sum 24 months premium of the basic policy and riders
  • Retrenchment Relief – Premiums are taken care of while you search for another job
    • Premiums are waived for up to 6 months if you are retrenched and stay unemployed for 3 consecutive months
  • Accidental Death Benefit – Additional coverage in the event of an accidental passing
    • The family of the insured receives an additional 30% of the sum assured on top of the basic policy + any riders
  • Additional Riders – Take these up to receive comprehensive life and health coverage
    • Hospital CashAid
      • Receive payouts in the event of hospitalisation
    • Dread Disease Premium Waiver
      • Waive future premiums if you are diagnosed with a major critical illness
    • Enhanced Payor Premium Waiver
      • Future premiums are waived for policies purchased for your loved ones in the event of your death or total permanent disability or if you are diagnosed with advanced-stage cancer

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 Star Secure Pro may be suitable if you are looking for

NTUC Income Star Secure Pro 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

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NTUC Income Star Secure Pro may not be suitable if you are looking for

NTUC Income Star Secure Pro 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.

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Further considerations on NTUC Income Star Secure Pro

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

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

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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 charge on the InterestGuru.sg platform.

INSTANT quotes for Whole Life Plans

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

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:


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:

INSTANT quotes for Whole Life Plans

Is NTUC Income Star Secure Pro 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.

*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

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.





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)?


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.



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

Personalise your whole life insurance plans


Before you go...
NTUC Income Star Secure Pro 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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