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Term Life

Introduction

In today's uncertain world, protecting your loved ones' financial future is paramount. Term life insurance offers an affordable way to provide that security. Enter China Taiping's i-Protect, a versatile term life insurance product designed to offer maximum protection at competitive rates. With its flexible policy terms, guaranteed renewability, and convertibility options, i-Protect stands out as a comprehensive solution for those seeking reliable coverage. Let's delve into the key features that make this product a compelling choice for your insurance needs.

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Coverage and Benefits

China Taiping's i-Protect offers a robust set of coverage options and benefits, tailored to provide comprehensive protection for you and your loved ones. From death benefits to critical illness coverage, this product is designed to offer financial security in various life scenarios. Let's explore the key components of i-Protect's coverage:

Death Benefit

Full Sum Assured Payout. Upon the death of the insured, i-Protect provides a lump sum payment of the full sum assured, offering crucial financial support to beneficiaries.

Guaranteed Cash Value

No Cash Value Accumulation. As a term life insurance product, i-Protect does not accumulate cash value, allowing for lower premiums and focused protection.

Non-guaranteed Bonuses

No Bonuses or Dividends. i-Protect is a non-participating plan, meaning it does not offer bonuses or dividends, keeping the focus on pure protection.

Terminal Illness Benefit

Advance Death Benefit. If diagnosed with a terminal illness, i-Protect pays out the full sum assured, up to a maximum of SGD 3,000,000, providing financial relief during critical times.

Total Permanent Disability

Optional TPD Coverage. Through the DisabilityCare Rider, i-Protect offers TPD coverage up to SGD 5,000,000, providing financial protection in case of total and permanent disability.

Critical Illness Benefit

Comprehensive CI Coverage. With the optional EarlyCare Rider, i-Protect covers 149 conditions across early, intermediate, and advanced stages, plus 12 special conditions, offering extensive critical illness protection.

Policy Terms and Features

i-Protect offers flexibility and customization options to suit various insurance needs. From policy terms to renewability and convertibility, this product is designed to adapt to your changing life circumstances. Here's a detailed look at the key features of i-Protect's policy terms:

Flexible Entry Ages

Wide Age Range. i-Protect is available for individuals across a broad age spectrum, though specific entry age limits are not provided in the given information.

Customizable Policy Terms

Multiple Options. Choose from policy terms ranging from 11 to 40 years, or opt for coverage until age 65, 75, or 85, allowing you to tailor the policy to your specific needs.

Guaranteed Renewability

Automatic Renewal. i-Protect offers guaranteed renewal options of 5 or 10-year terms until age 85, regardless of health condition changes, ensuring continuous coverage.

Convertibility Option

Future-Proof Coverage. Convert your i-Protect plan to another China Taiping life insurance product without additional medical underwriting, subject to certain conditions like age limit of 65 and minimum 5 years remaining coverage.

Premium Guarantees

Level Premiums. i-Protect features level and guaranteed premiums throughout each policy term, with renewal premiums based on the insured's age at renewal.

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Optional Riders

i-Protect offers a range of optional riders to enhance your coverage and provide comprehensive protection against various risks. These riders allow you to customize your policy to meet your specific needs and concerns. Let's explore the additional coverage options available:

DisabilityCare Rider

TPD Protection. This rider provides a lump sum payment upon diagnosis of Total and Permanent Disability, offering financial security if you're unable to work.

AdvancedCare Rider

Advanced CI Coverage. Covers 55 advanced-stage critical illnesses, including major cancer, stroke, and heart attack, providing a lump sum benefit upon diagnosis.

EarlyCare Rider

Comprehensive CI Protection. Offers coverage for 149 conditions across early, intermediate, and advanced stages, plus 12 special conditions, with a maximum payout of S$3 million for all stages.

Claims and Customer Service

While we are not directly affiliated with China Taiping, we understand the importance of smooth claims processing and responsive customer service. Based on available information, China Taiping provides multiple channels for filing claims and seeking support. Customers can typically reach out via phone, email, or through their official website. For specific claims, it's advisable to contact China Taiping directly or consult with your insurance advisor. They should be able to guide you through the claims process, required documentation, and expected timelines. Remember, prompt notification of any insured events is crucial for efficient claims processing.

Conclusion

China Taiping's i-Protect term life insurance product offers a compelling solution for those seeking comprehensive coverage with flexibility. It's particularly well-suited for individuals looking for affordable protection, those who need coverage for a specific period, and those who value the option to convert their policy in the future. The addition of optional riders makes it an attractive choice for those wanting to safeguard against critical illnesses and disabilities as well.
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