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Term Life

Introduction

Protecting your home and loved ones is a top priority for many homeowners. While securing a mortgage is a significant step towards homeownership, it's equally important to safeguard this investment. Enter Etiqa ePROTECT mortgage, a comprehensive term life insurance product designed specifically for homeowners. This innovative solution offers peace of mind by ensuring that your family can maintain their home even in unforeseen circumstances. Let's explore how Etiqa ePROTECT mortgage can provide the security you need for your most valuable asset.

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Coverage and Benefits

Etiqa ePROTECT mortgage offers a range of comprehensive benefits tailored to protect your home and family. From death coverage to disability protection, this product ensures that your mortgage obligations are met even in challenging times. Let's delve into the key features that make this policy a robust choice for homeowners.

Reducing Lump Sum Benefit

Etiqa ePROTECT mortgage provides a reducing lump sum benefit based on your coverage and chosen interest rate. This benefit is payable in the event of death, total and permanent disability, or terminal illness, ensuring your mortgage can be paid off in these unfortunate circumstances.

Funeral Expense Aid

In times of loss, immediate financial needs can be pressing. Etiqa offers a cash advance for immediate funeral expenses, providing timely support to your family when they need it most.

Flexible Coverage

Choose a policy term between 6 to 40 years or up to age next birthday 75, whichever is earlier. This flexibility allows you to align your coverage with your mortgage duration and personal needs.

Customizable Interest Rate

Select your preferred interest rate from 1% to 4%, depending on your mortgage loan interest. This customization ensures that your coverage closely matches your actual mortgage obligations.

Policy Terms and Conditions

Understanding the terms and conditions of your insurance policy is crucial for making an informed decision. Etiqa ePROTECT mortgage offers flexible options to suit various needs and circumstances. Let's explore the key aspects of the policy terms that make this product adaptable to your unique situation.

Flexible Policy Terms

Etiqa ePROTECT mortgage allows you to choose a policy term between 6 to 40 years, or up to age next birthday 75, whichever is earlier. This flexibility ensures that you can align your coverage with your mortgage duration.

Limited Premium Term

Enjoy the benefit of paying premiums for only 90% of your policy term. For example, you'll only pay premiums for 27 years on a 30-year coverage plan, providing additional value and convenience.

Entry Age

While specific entry age details are not provided in the given information, it's advisable to check with Etiqa directly for the most up-to-date information on eligible entry ages for this policy.

Renewability

Information about policy renewability is not explicitly stated in the provided details. It's recommended to consult with Etiqa or an authorized agent for clarification on renewal options.

Convertibility

The document does not specify convertibility options. For more information on whether this policy can be converted to a different type of life insurance, please contact Etiqa directly.

Premium Guarantees

While the document doesn't explicitly mention premium guarantees, the limited premium term feature suggests a level of predictability in premium payments. Consult with Etiqa for more detailed information on premium structures and guarantees.

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Riders

The provided information does not explicitly mention any riders for the Etiqa ePROTECT mortgage product. Riders are additional benefits that can be added to a base insurance policy to enhance coverage. For the most accurate and up-to-date information on available riders, it's recommended to contact Etiqa directly or speak with an authorized insurance advisor.

Claims and Customer Service

While specific claims processes are not detailed in the provided information, Etiqa emphasizes their commitment to customer service. For claims and support, customers can contact Etiqa's hotline at +65 6887 8777. Additionally, they can reach out via email at [email protected] or visit their office at One Raffles Quay, #22-01 North Tower, Singapore 048583. Etiqa's website, www.etiqa.com.sg, may also provide valuable resources and information for policyholders. Remember, it's always best to contact the insurance provider directly for the most current and accurate claims procedures.

Conclusion

Etiqa ePROTECT mortgage offers a tailored solution for homeowners seeking to protect their mortgage obligations. This product is particularly well-suited for new homeowners with substantial mortgages, individuals looking for affordable term life insurance with reducing coverage, and those who want to ensure their family's financial stability in case of unforeseen events. With its flexible terms and comprehensive coverage, Etiqa ePROTECT mortgage provides peace of mind for those wanting to secure their family's home.

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