In today's unpredictable world, having a reliable safety net is more important than ever. Whether you're just starting your career, raising a family, or planning for retirement, unexpected events can dramatically impact your financial stability. That's where China Life Term Guardian comes in. This flexible term life insurance plan offers robust protection at an affordable price , giving you and your loved ones peace of mind for the future.
Find the right coverage in minutes
Use our advanced calculator to get personalized insurance recommendations
Get precise coverage recommendations based on your needs
Receive instant results without lengthy consultations
Get tailored recommendations based on your unique situation
China Life Term Guardian is a regular premium term life insurance plan designed to provide financial protection against life's major risks. It offers coverage for:
1. Death
2. Terminal Illness
3. Total and Permanent Disability (TPD)
One of the key advantages of this plan is its flexibility. You can choose from three different policy terms to suit your specific needs:
For as little as $0.48 per day (based on a 20-year term plan for an 18-year-old female non-smoker), you can secure $401,000 of coverage for death, terminal illness, and total and permanent disability. This level of protection for less than the cost of a cup of coffee is an investment in your family's future that's hard to overlook.
With China Life Term Guardian, your premium remains the same throughout the policy term (with an exception for the 5-year renewable term). This feature allows you to budget effectively, knowing your insurance costs won't unexpectedly increase.
China Life Term Guardian offers three policy term options: 5-year renewable term (renewable up to age 84), 20-year term , and term up to age 64 . This flexibility allows you to choose the coverage duration that best fits your needs.
Customize your coverage with riders such as the Enhanced Payer Benefit Rider, Payer Benefit Rider, and Premium Waiver Rider. These additional benefits can provide extra layers of protection tailored to your specific needs.
Mr. Seah chooses a 5-year renewable term plan with a sum insured of SGD401,000. His yearly premium is SGD292.73. At age 33, he becomes totally and permanently disabled due to an accident. He receives a lump sum payout of SGD401,000 , helping him adapt to his new circumstances and cover medical expenses.
Mrs. Wong opts for a 19-year term plan with a sum insured of SGD450,000. Her yearly premium is SGD742.50. At age 62, she passes away due to a heart attack. Her family receives a lump sum payout of SGD450,000 , helping them maintain their standard of living and providing financial support during a difficult time.
1. For the 5-year renewable term, premiums may change at renewal based on prevailing rates and your age.
China Life Insurance (Singapore) Pte. Ltd., established in 2015, is backed by the financial strength and heritage of China Life Insurance (Group) Company, the largest state-owned financial insurance corporation in China .
China Life has been a Fortune Global 500 company for 19 consecutive years, ranking 32 in 2021. With strong financial ratings from Moody's (A1) and Standard & Poor's (A), China Life Insurance (Singapore) offers the stability and reliability you want in an insurance provider.
China Life Term Guardian offers a compelling combination of affordable premiums, flexible terms, and comprehensive coverage . It's particularly well-suited for:
However, as with any financial decision, it's essential to consider your specific circumstances and needs. While China Life Term Guardian offers valuable protection, it's a pure term insurance plan with no savings or investment component.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on term life insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your family's financial security to chance – get the expert advice you deserve today .
By filling this out, you agree to allow us to contact you about insurance related information.
Compare other term life options to find the best coverage for your needs
AIA Mortgage Reducing Term Assurance offers more than just protection for your home loan. This innovative product extends its coverage to critical illnesses, providing an extra layer of security for you and your loved ones. Remarkably, it even allows you to safeguard your parents' home loan, offering peace of mind across generations.
AIA Secure Flexi Term offers a flexible approach to life insurance with some standout features. Not only can you secure up to $1 million in death benefits for yourself, but you also have the unique option to extend protection to your parents. This versatile plan adapts to different life stages, providing peace of mind for you and your loved ones.
AXA Term Protector offers a unique advantage in the world of life insurance: coverage that extends up to age 99, providing long-term peace of mind for you and your loved ones. What's more, this versatile plan allows you to protect not just yourself, but also your parents, making it a comprehensive solution for multi-generational security. Discover how AXA Term Protector can safeguard your family's future well into your golden years.
China Taiping i-Protect stands out with its extensive critical illness coverage, protecting you against a remarkable 149 conditions with coverage up to S$3M. What's more, this versatile plan allows you to extend protection to your parents, offering a comprehensive safety net for your entire family. Discover how this unique feature can provide peace of mind for you and your loved ones.
Complete Cancer Care offers a groundbreaking approach to cancer insurance with a standout feature: 100% sum assured payout for any cancer stage, providing comprehensive financial protection from day one. This unique benefit ensures that you receive full support regardless of the cancer's severity, allowing you to focus on recovery without financial stress. Moreover, the plan extends its protective umbrella to your parents, offering a holistic family-oriented solution in the face of cancer.
Complete Critical Protect offers an exceptional level of coverage, safeguarding you against 158 different conditions with a potential payout of up to 200% of the sum assured. What's more, this comprehensive plan extends its protective umbrella to include your parents, allowing you to ensure the well-being of your entire family. With such extensive coverage and unique family-oriented benefits, Complete Critical Protect stands out as a thoughtful and robust insurance solution.
Etiqa ePROTECT mortgage offers more than just standard home loan protection. It stands out with its thoughtful inclusion of funeral expense aid, providing immediate financial support during a difficult time. This unique feature, along with the option to protect your parents' home, makes Etiqa ePROTECT mortgage a comprehensive solution for safeguarding your family's most valuable asset.
FWD Future First is a life insurance plan that goes above and beyond to protect your family's future. One of its standout features is the generous S$250,000 2-year free coverage for your spouse, providing an extra layer of security for your loved ones. This unique benefit sets FWD Future First apart, offering peace of mind not just for you, but for your partner as well.
Explore more: Real customer experiences • Insurance guides • Coverage calculator
Learn about Term Life insurance basics or compare Term Life policies