In today's unpredictable world, having the right insurance coverage is more important than ever. Did you know that 1 in every 4-5 Singaporeans may get a critical illness? Or that there's a worrying 80% critical illness protection gap in Singapore? These statistics highlight why many are searching for comprehensive life and health insurance solutions. If you're considering Income Star Secure Pro, you've come to the right place. Let's break down what this policy offers and how it can provide peace of mind for you and your loved ones.
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Income Star Secure Pro is a flexible whole life insurance plan designed to provide comprehensive coverage against various life uncertainties . It offers protection against death, terminal illness, and total and permanent disability, with the unique feature of allowing you to choose your desired level of coverage. What sets it apart is its adaptability to your changing needs and its optional riders that cover dread diseases, future unknown diseases, and even mental illnesses.
Choose coverage up to 500% of your sum assured.
Up to an additional 200% of sum assured for accidental death.
Premiums waived for up to 6 months if you're retrenched.
Reduce financial burdens if something happens to a family member.
Add coverage for dread diseases, future unknown diseases, and mental illnesses.
You can start this plan even at age 80.
| Age | What suggestion covers | Premium |
|---|---|---|
| 26, Female making $5,265 a month | till age 75: TPD $270,000 death $270,000 critical illness $270,000 terminal illness $270,000 early critical illness $240,000 age 75 to 100: TPD $90,000 death $90,000 critical illness $90,000 terminal illness $90,000 early critical illness $80,000 | $4,320.95 |
| 19, Female making $2,000 a month | tpd: after 75 $30,000 before 75 $150,000 death benefit: after 75 $30,000 before 75 $150,000 dread diseases: after 75 $20,000 before 75 $100,000 terminal illness: after 75 $30,000 before 75 $150,000 early stage dread diseases: after 75 $30,000 before 75 $150,000 | $134.2 |
| 28, Male making $4,166.667 a month | TPD $250,000 death $250,000 critical illness $250,000 terminal illness $250,000 early critical illness $200,000 | $3,636.5 |
| 31, Female making $6,000 a month | death $250,000 critical illness $250,000 terminal illness $250,000 early critical illness $200,000 total permanent disability $250,000 | $4,281.95 |
| 19, Female making $2,000 a month | TPD $150,000 death $150,000 critical illness $120,000 terminal illness $150,000 early critical illness $120,000 | $149.85 |
Death Benefit: Pays out upon death of the insured.
Terminal Illness (TI) Benefit: Provides a payout if diagnosed with a terminal illness.
Total and Permanent Disability (TPD) Benefit: Offers financial support if you become totally and permanently disabled.
Up to an additional 200% of your sum assured if death is due to an accident (before age 70).
Waives future premiums if your spouse or child's parent passes away, becomes terminally ill, or totally and permanently disabled. Provides a lump sum of 24 months' premiums.
Waives premiums for up to 6 months if you're retrenched and unemployed for 3 consecutive months.
Covers 49 specified dread diseases.
Includes Major Impact Benefit, protecting against future unknown diseases or serious infections.
Covers early and intermediate stages of dread diseases.
Includes Special and Mental Benefit, covering conditions like major depressive disorder.
Offers Juvenile Benefit for insured persons below 18 years old.
Provides daily cash benefit during hospitalization.
Offers additional payout for ICU stays.
Includes Major Impact Benefit for extended ICU stays due to surgery or infection.
The coverage amount depends on the protection level you choose, ranging from 100% to 500% of your sum assured. For example, if you choose a sum assured of $100,000 with 300% protection level:
• Death Benefit: Up to $300,000 (before age 70)
• Terminal Illness Benefit: Up to $300,000 (before age 70)
• Total and Permanent Disability Benefit: Up to $300,000 (before age 70)
After age 70, the coverage typically reduces to the sum assured plus bonuses.
The cost of Star Secure Pro varies based on factors like your age, health condition, chosen sum assured, and protection level. For a precise quote, it's best to consult with an Income financial advisor. They can provide a personalized illustration based on your specific circumstances.
Let's consider Mr. Lim, a 28-year-old non-smoker who signs up for Star Secure Pro with a sum assured of $100,000 and 300% protection level. He also adds the Advanced Secure Accelerator, Early Secure Accelerator, and Hospital CashAid riders. His annual premium is $3,323.
At age 36, Mr. Lim is diagnosed with early-stage colon cancer:
• He receives $150,000 from the Early Secure Accelerator rider.
• He gets daily hospital cash benefits for his 14-day stay.
At age 39, Mr. Lim's wife is diagnosed with terminal illness:
• Future premiums are waived under the Family Waiver Benefit.
• He receives a lump sum of 24 months' premiums ($6,912).
At age 50, Mr. Lim contracts an unknown disease and stays in ICU for 14 days:
• He receives $75,000 from the Advanced Secure Accelerator rider's Major Impact Benefit.
• He gets additional payouts from the Hospital CashAid rider.
At age 60, Mr. Lim is diagnosed with advanced stage liver cancer:
• He receives $75,000 from the Advanced Secure Accelerator rider.
• He gets additional payouts from the Hospital CashAid rider.
• His Early Secure Accelerator rider pays out $75,000 under the Advanced Restoration Benefit.
In total, Mr. Lim receives $400,812 in payouts over the course of his policy.
Flexible coverage options
Comprehensive protection against various life events
Unique benefits like retrenchment premium waiver
Optional riders for enhanced coverage
High entry age (up to 80 years old)
Premiums may be higher compared to term insurance
Coverage reduces after age 70 for most benefits
Some benefits have waiting periods or exclusions
Income Star Secure Pro offers a comprehensive and flexible approach to life insurance , catering to various protection needs. Its unique features like adjustable protection levels, retrenchment benefits, and coverage for future unknown diseases make it stand out in the market. However, as with any financial decision, it's important to carefully evaluate your personal circumstances and long-term goals before making a choice.
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