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Term Life

Introduction

In today's uncertain world, protecting your loved ones financially is more important than ever. Term life insurance offers an affordable way to secure your family's future, providing a safety net during your most crucial years. China Life Term Guardian stands out as a flexible and comprehensive term life insurance solution. This product offers robust coverage against life's uncertainties, including death, terminal illness, and total and permanent disability, all at competitive rates. Let's explore how China Life Term Guardian can provide you with peace of mind and financial security.

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Coverage and Benefits

China Life Term Guardian offers a range of comprehensive benefits designed to protect you and your loved ones. From substantial death benefits to coverage for terminal illness and total permanent disability, this product ensures you're protected against life's major risks. Let's delve into the key features that make China Life Term Guardian a standout choice for your insurance needs.

Substantial Death Benefit

China Life Term Guardian provides a significant death benefit to protect your loved ones. In the event of the life insured's death, the policy pays out the full sum insured, less any amounts owing. This lump sum can help your family maintain their lifestyle and meet financial obligations in your absence.

Terminal Illness Coverage

If diagnosed with a terminal illness while the policy is in force, you'll receive the full sum insured, less any amounts owing. This benefit can help cover medical expenses and provide financial support during a challenging time.

Total and Permanent Disability Protection

China Life Term Guardian offers coverage for total and permanent disability (TPD) before the life insured's 65th birthday. The full sum insured is paid out, subject to a TPD per life limit of SGD3,000,000 aggregated across all policies and riders with China Life.

Policy Terms and Flexibility

China Life Term Guardian offers flexibility to suit your unique needs and circumstances. With various policy terms and renewal options, you can tailor your coverage to align with your life stage and financial goals. Let's explore the key features that make this product adaptable to your changing needs.

Multiple Policy Terms

China Life Term Guardian offers three policy term options: a 5-year renewable term, a 20-year term, and a term up to age 64. This flexibility allows you to choose the duration that best fits your protection needs and financial planning.

Renewable Coverage

The 5-year renewable term option allows for coverage up to age 84, subject to a maximum renewable age of 79. This feature ensures you can maintain protection even as your needs evolve over time.

Guaranteed Premiums

Your premiums remain level and guaranteed throughout each policy term. For the 5-year renewable term, premiums are guaranteed for each 5-year period, providing predictability in your financial planning.

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Optional Riders

China Life Term Guardian offers a range of optional riders to enhance your coverage and provide additional financial protection. These riders can be tailored to your specific needs, offering comprehensive coverage for various life events. Let's explore the riders available to complement your basic plan.

Enhanced Payer Benefit

This rider waives future premium payments on your basic plan and its riders in the event of death, total and permanent disability, or diagnosis of any of 36 critical illnesses. It provides continuity of coverage even in challenging circumstances.

Payer Benefit Rider

This option waives future premium payments upon death, total and permanent disability, or terminal illness diagnosis. It ensures your coverage remains intact during difficult times.

Premium Waiver Rider

If the life insured is diagnosed with total and permanent disability or any of 36 critical illnesses, this rider waives future premiums for your basic plan and its riders. It offers financial relief when you need it most.

Claims and Customer Service

While we are not directly affiliated with China Life Insurance (Singapore), we understand the importance of efficient claims processing and responsive customer service. Based on the information provided, policyholders can contact China Life Insurance (Singapore) at 6727 4800 during business hours (Monday to Friday, 9am - 5.30pm) for claims assistance and customer support. Alternatively, inquiries can be sent via email to [email protected]. It's advisable to have your policy details ready when contacting them for a smoother experience. Remember, prompt communication with the insurer is crucial when filing claims or seeking policy-related information.

Conclusion

China Life Term Guardian offers a versatile and comprehensive term life insurance solution that can benefit a wide range of individuals. It's particularly well-suited for young professionals seeking affordable protection, growing families looking for substantial coverage, and those wanting flexible policy terms to match their changing needs. The product's range of riders also makes it an attractive option for those seeking more comprehensive protection against critical illnesses and disabilities.
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