Complete Cancer Care
We analysed Complete Cancer Care docs so you don't have to. Key find: 100% sum assured payout for any cancer stage. Protect your parents too. See our full review for more insights.
In today's fast-paced world, where success is hard-earned and carefully cultivated, protecting your achievements and ensuring your legacy becomes paramount . If you're a high-achieving individual looking for a premium term life insurance solution, Income's TermLife Solitaire might be the perfect fit for you. Let's dive deep into what this exclusive product offers and how it can safeguard your future and that of your loved ones.
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TermLife Solitaire is a premium term life insurance product designed specifically for successful individuals who require substantial coverage . It's not just an insurance policy; it's a comprehensive solution that helps you keep your legacy alive, protect your business, and enjoy peace of mind knowing that your financial future is secure.
Minimum coverage of $500,000 , ideal for those needing substantial protection
Option to renew your policy up to age 100 (last birthday), ensuring long-term protection
High coverage at competitive rates
Available for policies with a minimum sum assured of $3 million , includes arranged medical check-ups and complimentary transport
Choose from 10, 15, 20, 25, 30, 35, or 40 years, or select coverage up to age 64, 74, 84, or 100 (last birthday)
Customize your coverage with additional benefits
Age | What suggestion covers | Premium |
---|---|---|
26, Female making $5,265 a month | TPD $500,000 death $500,000 critical illness $300,000 terminal illness $500,000 early critical illness $300,000 | $2,565.75 |
41, Male making $10,000 a month | death $500,000 critical illness $300,000 terminal illness $500,000 early critical illness $300,000 total and permanent disability $500,000 | $4,575.15 |
34, Male making $16,666.667 a month | death $1,000,000 critical illness $250,000 terminal illness $1,000,000 early critical illness $250,000 total and permanent disability $1,000,000 | $3,900.45 |
26, Female making $9,166.667 a month | TPD $1,000,000 death $1,000,000 critical illness $250,000 terminal illness $1,000,000 early critical illness $250,000 | $2,143.2 |
26, Male making $5,000 a month | TPD $500,000 death $500,000 critical illness $250,000 terminal illness $500,000 early critical illness $250,000 | $1,775.1 |
Pays out the sum assured if the insured passes away during the policy term
Provides the sum assured if the insured is diagnosed with a terminal illness
Offers coverage if the insured becomes totally and permanently disabled (with optional rider)
Provides protection against early, intermediate, and advanced stage specified dread diseases (with optional rider)
Offers daily payouts for hospitalization (with optional rider)
TermLife Solitaire offers high coverage amounts starting from $500,000 . The exact amount of coverage you can get depends on your individual needs and financial situation. Income recommends working with a financial advisor to determine the right amount of coverage for you.
The cost of TermLife Solitaire varies based on several factors:
For example, in the brochure, a 40-year-old non-smoking couple each getting $1 million coverage till age 100 would pay:
These premiums include additional riders like Payor Premium Waiver and Disability Accelerator.
Pays out if you become totally and permanently disabled
Covers early, intermediate, and advanced stage specified dread diseases
Provides daily cash benefit during hospitalization, includes additional benefits for ICU stays and major impacts
Waives future premiums if the payor dies or becomes totally and permanently disabled
Includes benefits of Payor Premium Waiver, also waives premiums if the payor is diagnosed with terminal illness or specified dread diseases
Waives future premiums if you're diagnosed with a specified dread disease
Mr. and Mrs. Tan, both 40 years old, each purchase a $1 million TermLife Solitaire policy on each other's lives. If Mr. Tan is diagnosed with total and permanent disability at age 60: Mrs. Tan receives a $1 million payout from her policy on Mr. Tan, and the policy on Mrs. Tan remains in force with premiums waived.
ABC Company insures its 50-year-old director, Mr. Ong, with a $2 million TermLife Solitaire policy for 15 years. If Mr. Ong passes away or becomes totally and permanently disabled: The company receives a $2 million payout, helping cushion the business impact until a replacement is found.
High coverage amounts suitable for high-net-worth individuals
Guaranteed renewability up to age 100
Flexible policy terms
Option to add various riders for comprehensive protection
Complimentary medical concierge service for high-value policies
Higher premiums compared to standard term life policies
May be more coverage than needed for some individuals
Renewal premiums increase with age
High-income earners needing substantial coverage
Business owners wanting to protect their key personnel
Individuals looking to leave a significant legacy for their beneficiaries
Those who want the flexibility to enhance their coverage with various riders
You should check with Income about options for adjusting your coverage after purchase.
You have the option to renew your policy, with guaranteed renewal up to age 100 .
Premiums are not guaranteed and may increase with age or at renewal.
Check with Income about options for adding riders after the initial purchase.
Like most insurance policies, there are exclusions. For example, pre-existing conditions may not be covered. Always refer to the policy contract for full details.
Income TermLife Solitaire offers a premium solution for those seeking substantial life insurance coverage . With its high coverage amounts, flexible terms, and optional riders, it provides a comprehensive way to protect your legacy and business interests. However, as with any significant financial decision, it's crucial to carefully consider your needs and consult with a financial advisor before making a choice.
Remember, the best insurance policy is one that aligns perfectly with your unique financial situation and future goals. If you're considering TermLife Solitaire or any other high-value insurance product, it's always wise to get expert advice tailored to your specific circumstances.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights customized to your unique needs. Sign up now to receive 5 expert opinions on high-value term life insurance . These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage to secure your legacy and protect your achievements. Don't leave your financial future to chance – get the expert advice you deserve today.
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