In today's uncertain world, protecting your loved ones financially is more important than ever. Term life insurance offers an affordable way to secure your family's future, providing a safety net during your most crucial years. Income Star Term Protect is a versatile term life insurance product designed to offer high coverage at affordable premiums. With its flexible options and comprehensive benefits, Star Term Protect aims to bridge the mortality and critical illness protection gaps many Singaporeans face, ensuring peace of mind without breaking the bank.
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Income Star Term Protect offers a range of essential coverage options to safeguard you and your loved ones. From death benefits to total and permanent disability protection, this plan is designed to provide comprehensive financial security. Let's explore the key features and benefits that make Star Term Protect a valuable addition to your insurance portfolio.
Full Sum Assured Payout. In the event of death during the policy term, Star Term Protect provides a lump sum payout of the full sum assured to your beneficiaries.
Focus on Protection. Star Term Protect is a basic protection plan with no cash value, allowing premiums to go towards providing higher insurance coverage.
Advanced Payout. If diagnosed with a terminal illness during the policy term, you'll receive the full sum assured, providing financial support when it's most needed.
Coverage Until 70. Star Term Protect offers TPD coverage before the policy anniversary immediately after the insured reaches age 70, paying out the full sum assured upon claim.
Income Star Term Protect offers flexibility in policy terms and renewability, allowing you to tailor your coverage to your specific needs. This section outlines the key features that make this product adaptable to various life stages and financial situations.
Coverage at Any Stage. Star Term Protect is available for individuals up to age 79 (last birthday), ensuring protection is accessible at various life stages.
Customizable Duration. Choose from policy terms of 5, 10, 15, 20, 25, 30, or 35 years, or opt for coverage up to age 54, 64, or 74 (last birthday).
Extended Protection. Enjoy the option to renew your policy and extend coverage after expiry, with guaranteed renewal up to a maximum age of 84 (last birthday).
Focus on Term Protection. The product details do not mention convertibility options, suggesting a focus on pure term protection.
Reviewable Rates. Premium rates are non-guaranteed and may be reviewed from time to time, allowing for potential adjustments based on market conditions.
| Age | What suggestion covers | Premium |
|---|---|---|
| 24, Male making $1,500 a month | critical illness $210,000 death $25,000 early critical illness $210,000 | $810.85 annual |
| 33, Female making $5,100 a month | Not elaborated | $292.71 annual |
| 27, Female making $3,000 a month | co-payment $0.1 deductibles policy year limit $1,500,000 rider: cdl treatment: multiplier $10 unit MSHL / mth co-payment: non panel non panel additional $2,000 panel $0.1 panel cap $3,000 non cdl treatment: amount $15,000 co-payment $0.2 premium $268 | $217.01 annual |
| 32, Male making $8,333.333 a month | surrender value 120 $1,472,736 surrender value 65 $184,831 | $5,000 annual |
| 29, Male making $4,166.667 a month | TPD $250,000 critical illness $250,000 death $250,000 early critical illness $200,000 terminal illness $250,000 | $3,636.5 annual |
Income Star Term Protect offers a range of optional riders to enhance your coverage and provide additional financial protection. These riders allow you to customize your policy to meet your specific needs and concerns. Let's explore the available riders and their benefits.
Comprehensive Coverage. This rider provides protection against death, total and permanent disability, terminal illness, and advanced-stage dread diseases.
Dread Disease Coverage. Offers protection against early, intermediate, and advanced-stage specified dread diseases, with a sum assured payout upon diagnosis.
Hospital Income. Provides daily cash benefits during hospitalization, with additional benefits for ICU stays and major impacts, covering up to 750 days per hospital stay.
Financial Relief. Various premium waiver riders are available, including Payor Premium Waiver, Enhanced Payor Premium Waiver, and Dread Disease Premium Waiver, offering premium relief in specific circumstances.
When it comes to filing claims or seeking customer support for Income Star Term Protect, policyholders have several options. While we are not affiliated with Income, our research indicates that claims can typically be initiated through their online portal, by contacting their customer service hotline, or by reaching out to an Income insurance advisor. For detailed claim procedures or specific inquiries, it's advisable to refer to the official Income website or contact their customer service directly. Remember, prompt and accurate claim filing is crucial for a smooth process, so keep all necessary documentation readily available.
Income Star Term Protect offers a versatile and comprehensive term life insurance solution that can benefit various types of customers. It's particularly well-suited for young professionals looking for high coverage at affordable rates, growing families seeking flexible protection options, and individuals nearing retirement who want guaranteed renewability. The plan's customizable features and optional riders make it adaptable to changing life circumstances and financial goals.
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