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Term Life

Introduction

In today's uncertain world, protecting your financial future and that of your loved ones is paramount. Term life insurance offers a cost-effective way to secure substantial coverage for a specific period. Complete Critical Protect, a comprehensive term life insurance product, goes beyond traditional coverage by offering protection against dread diseases from diagnosis to recovery. With options to cover up to 158 conditions and benefits of up to 10 times the sum assured, Complete Critical Protect provides peace of mind in the face of life's unexpected challenges.

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Coverage and Benefits

Complete Critical Protect offers a range of comprehensive benefits designed to provide financial security in various scenarios. From death coverage to specialized benefits for dread diseases, this product aims to support policyholders through different stages of health challenges.

Death Benefit

Fixed $10,000 payout. In the event of the insured's death during the policy term, a $10,000 death benefit will be paid out, less any outstanding amounts owed.

Dread Disease Coverage

Up to 200% sum assured. Covers 158 conditions across early, intermediate, and advanced stages, with payouts up to 200% of the sum assured for advanced stage dread diseases under the Protect Max option.

Recurrent Benefit

100% sum assured, up to 3 claims. Available with Protect Max option, covering recurrent conditions like persistent major cancer, recurrent heart attack, and recurrent stroke, with a maximum of 3 claims allowed.

Vital Function Benefit

Up to 200% sum assured. Provides protection for heart, lungs, and kidneys, with payouts up to 200% of the sum assured under the Protect Max option upon diagnosis of an impairment in these vital functions.

Special Benefit

20-30% sum assured. Covers conditions like benign tumors and borderline malignant tumors, with payouts of 20-30% of the sum assured depending on the specific condition.

Policy Terms and Conditions

Complete Critical Protect offers flexible policy terms and conditions to suit various needs and life stages. Understanding these terms is crucial for making an informed decision about your coverage.

Policy Terms

Flexible coverage duration. Choose coverage up to age 64, 74, 84, or 100 last birthday, allowing you to tailor the policy to your specific life stage and financial planning needs.

Entry Ages

Wide age range accepted. While specific entry age limits are not provided in the given information, term life insurance products typically offer coverage for a broad range of ages, from young adults to seniors.

Renewability

Not specified. The product details do not explicitly mention renewability options. It's advisable to clarify this with an insurance advisor for long-term planning.

Convertibility

Guaranteed Post-DD Cover Option. This unique feature allows the purchase of a new term plan for extra coverage upon diagnosis of an advanced stage dread disease or vital function impairment.

Premium Guarantees

Not guaranteed. The product information states that premiums are not guaranteed and may be subject to change with at least 30 days' written notice.

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Riders

Complete Critical Protect offers several additional benefits that can be considered as built-in riders, enhancing the overall coverage and value of the policy. These benefits are designed to provide extra protection in specific scenarios.

Juvenile Benefit

20% sum assured. Covers 17 juvenile conditions diagnosed before the insured reaches age 18, with a payout of 20% of the sum assured.

Critical Impact Benefit

20% sum assured. Provides coverage if the insured undergoes surgery or suffers an infection requiring ICU stay for at least 4 days, with a payout of 20% of the sum assured.

Therapy Support Benefit

20% sum assured. Offers additional coverage for cell, tissue, gene therapy, or proton beam therapy, with a payout of 20% of the sum assured.

Guaranteed Post-DD Cover Option

New term plan purchase. Allows the purchase of a new term plan with death and terminal illness benefits upon diagnosis of an advanced stage dread disease or vital function impairment.

Claims and Customer Service

While specific details about claims and customer service processes for Complete Critical Protect are not provided in the given information, it's generally advisable for policyholders to contact Income Insurance directly for claim submissions and support. Most insurers offer multiple channels for customer service, including phone, email, and online portals. For claims, policyholders typically need to submit relevant documentation within specified timeframes. It's recommended to keep policy documents easily accessible and to familiarize oneself with the claim procedures in advance to ensure a smooth process when needed.

Conclusion

Complete Critical Protect is an excellent choice for individuals seeking comprehensive coverage against dread diseases and critical illnesses. It's particularly suitable for those who want protection that extends beyond the initial diagnosis, covering recurrent conditions and offering support through various stages of illness. The product may also appeal to individuals looking for flexible coverage options and those who value additional benefits like the Guaranteed Post-DD Cover Option.
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