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Term Life

Introduction

In today's uncertain world, protecting your loved ones financially is more important than ever. Term life insurance offers an affordable way to provide that protection, and Lady 360 takes it a step further by offering comprehensive coverage tailored specifically for women. Designed to meet the unique health challenges faced by women, Lady 360 provides peace of mind with its 360-degree approach to female protection. This innovative product from Income Insurance Limited not only covers death but also offers benefits for specific female illnesses, surgeries, and post-diagnosis support.

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Coverage and Benefits

Lady 360 offers a range of benefits designed to provide comprehensive protection for women. From death coverage to specific female illnesses and surgeries, this policy ensures that you're protected against various health challenges. Let's explore the key coverage and benefits offered by Lady 360.

Death Benefit

Fixed $10,000 Payout. Lady 360 provides a death benefit of $10,000, offering financial support to your beneficiaries in the event of your passing.

Female Illnesses Benefit

Up to 100% Sum Assured. This benefit covers specific female illnesses such as chronic autoimmune hepatitis, malignant cancer of female sites, and rheumatoid arthritis. The total payout can be up to 100% of the sum assured.

Female Surgeries Benefit

Up to 50% Sum Assured. Lady 360 provides coverage for various female surgeries, including radical vulvectomy, mastectomy, and hysterectomy. The total payout under this benefit can be up to 50% of the sum assured.

Support Benefit

Up to 100% Sum Assured. This benefit covers various support services, including reconstructive surgery, oocyte cryopreservation, and outpatient psychiatric care. The total payout can be up to 100% of the sum assured.

Waiver of Premium

24-Month Premium Waiver. If you're diagnosed with a covered female illness, your premiums will be waived for the next 24 months or until the end of the contract term, whichever is earlier.

Policy Terms and Conditions

Understanding the terms and conditions of your Lady 360 policy is crucial for making an informed decision. This section outlines key aspects of the policy, including entry ages, policy terms, renewability, and premium guarantees.

Entry Ages

Wide Age Range. While specific entry ages are not mentioned in the provided documents, term life insurance policies typically cater to a wide range of ages, often from young adults to those in their 50s or 60s.

Policy Terms

Flexible Options. Lady 360 offers two policy term options: a 10-year renewable term or a term up to age 64 (last birthday). This flexibility allows you to choose the coverage duration that best suits your needs.

Renewability

Guaranteed Renewal. For the 10-year renewable option, the policy is guaranteed to be renewed for the same contract term and sum assured if there are no claims during the contract term. However, if renewed on or after the insured's 45th birthday, it will be renewed up to age 64.

Premium Guarantees

Subject to Change. The premiums for Lady 360 are not guaranteed and may be adjusted. Income Insurance Limited will provide at least six months' notice before making any changes to the premium rates.

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Riders

Lady 360 comes with several built-in benefits that function similarly to riders, enhancing the overall coverage of the policy. These additional features are designed to provide comprehensive protection tailored to women's needs.

Health Screening Benefit

Biennial Check-ups. From the second policy anniversary onwards, Lady 360 provides a tailored health screening benefit every two years. This helps ensure you stay in good health and can detect potential issues early.

Reconstructive Surgery Benefit

100% Sum Assured. This benefit covers reconstructive surgery due to mastectomy following breast cancer or carcinoma in situ of the breast, malignant skin cancer, accidental burns, and accidents.

Oocyte Cryopreservation Benefit

25% Sum Assured. If you need to undergo oocyte cryopreservation before chemotherapy or radiotherapy for cancer treatment, this benefit provides financial support.

Claims and Customer Service

When it comes to filing claims or seeking customer support for Lady 360, policyholders should contact Income Insurance Limited directly. Claims must be reported within six months of the diagnosis or event giving rise to the claim. Income provides various channels for customer support, including phone, email, and in-person consultations at their offices. It's advisable to have your policy number and relevant documentation ready when contacting them for efficient service. For specific claim requirements or questions about your policy, it's best to reach out to Income's customer service team directly.

Conclusion

Lady 360 is an excellent choice for women seeking comprehensive protection against female-specific health challenges. It's particularly well-suited for those who want coverage for female illnesses and surgeries, as well as post-diagnosis support. Young women looking for affordable premiums with the option of long-term coverage until age 64 may find this policy especially attractive. Additionally, women who value preventive care will appreciate the biennial health screening benefit.
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