China Taiping i-Protect: Comprehensive Protection for Your Loved Ones

In today's unpredictable world, ensuring the financial security of your loved ones is more important than ever. Did you know that according to a recent study, 1 in 5 Singaporeans are underinsured , leaving their families vulnerable in case of unexpected events? This is where China Taiping's i-Protect comes in - a versatile term life insurance plan designed to provide maximum protection at an affordable premium. Whether you're looking for income replacement or want to leave a legacy for your family, i-Protect offers a robust solution tailored to your needs.

i-Protect is a term life insurance plan that offers comprehensive coverage against death and terminal illness . It's designed to be flexible, affordable, and adaptable to your changing needs over time. With i-Protect, you can ensure that your loved ones are financially secure, even if the unexpected happens.

The coverage amount for i-Protect is flexible and can be tailored to your needs. Here are some important points to note:

• The base plan (death and terminal illness coverage) can be customized based on your requirements

• For the DisabilityCare Rider, there's an overall Total and Permanent Disability (TPD) limit of S$5,000,000 per life , inclusive of all insurance with China Taiping and other insurers

• For critical illness coverage:

• Maximum payout for early and intermediate stages of the same critical illness: S$350,000

• Maximum overall critical illness benefit: S$3 million (inclusive of all insurance with China Taiping and other insurers)

• For Special Conditions under the EarlyCare Rider:

• Maximum payout of S$25,000 per condition

• Up to 5 claims allowed

Let's look at an example to understand how i-Protect can provide comprehensive protection throughout your life:

Meet David, a 35-year-old sole breadwinner who wants to protect his family against disability and critical illnesses. He chooses i-Protect with coverage until age 85 and adds the following:

• i-Protect base plan: S$1 million

• DisabilityCare Rider: S$500,000

• EarlyCare Rider: S$200,000 (Annual Premium: S$3,958.40)

Here's how the policy supports David through various life events:

Age 50: David is diagnosed with Diabetes (a Special Condition)

• Receives S$25,000 payout from EarlyCare Rider

• His sum assured remains intact

Age 55: David suffers an intermediate stage Heart Attack

• Receives S$200,000 from EarlyCare Rider (rider terminates)

• i-Protect's sum assured reduces to S$800,000

Age 60: David's Heart Attack progresses to advanced stage, causing inability to work

• Receives S$500,000 from DisabilityCare Rider (rider terminates)

• i-Protect's sum assured reduces to S$300,000

Age 70: David passes away due to another Heart Attack

• i-Protect pays out remaining S$300,000 death benefit

• Policy terminates

Total Payout: S$1,025,000

This scenario demonstrates how i-Protect and its riders provide crucial financial support throughout various health challenges, ultimately leaving a legacy for David's loved ones.

China Taiping's i-Protect offers a comprehensive and flexible solution for those looking to secure their family's financial future. With its adaptable policy terms, guaranteed renewal options, and wide range of coverage through optional riders, i-Protect can be tailored to meet your specific protection needs.

However, as with any financial decision, it's important to carefully consider your personal circumstances, long-term goals, and budget before committing to a policy. While i-Protect offers robust protection, it's essential to understand the terms, conditions, and any limitations of the policy.

Remember, the best insurance plan is one that provides peace of mind and fits seamlessly into your overall financial strategy. If you're considering i-Protect or any other term life insurance plan, it's always wise to consult with a qualified financial adviser who can provide personalized recommendations based on your unique situation.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for you and your loved ones. Don't leave your family's financial security to chance – get the expert advice you deserve today .