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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 TIQ ePROTECT term life stands out as a compelling option. This innovative product from Etiqa Insurance combines comprehensive coverage with flexibility, making it an attractive choice for many Singaporeans. Let's explore the key features and benefits of TIQ ePROTECT term life to help you understand why it might be the right fit for your insurance needs.

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Coverage and Benefits

TIQ ePROTECT term life offers a range of benefits designed to provide financial security for you and your loved ones. From death coverage to total and permanent disability protection, this policy aims to safeguard your family's future in various scenarios. Let's delve into the specific benefits this product offers.

Death Benefit

Full Sum Insured Payout. Upon the death of the life insured, the policy pays out the full sum insured, less any amounts owing. This benefit ensures your beneficiaries receive financial support when they need it most.

Guaranteed Cash Value

No Cash Value. As a term life insurance product, TIQ ePROTECT does not accumulate cash value. This allows for lower premiums, focusing solely on providing protection.

Non-guaranteed Bonuses

No Bonuses or Dividends. This policy is non-participating, meaning it does not offer any bonuses or dividends. The focus is on providing pure protection at affordable rates.

Terminal Illness Benefit

Full Sum Insured Advance. If diagnosed with a terminal illness likely to lead to death within 12 months, the policy pays out the full sum insured, less any amounts owing. This benefit can help manage medical expenses and provide comfort in difficult times.

TPD Benefit

Coverage Until Age 65. If the life insured becomes totally and permanently disabled before age 65, the policy pays out the full sum insured, up to a maximum of $4 million across all policies with TPD benefits.

Policy Terms and Flexibility

TIQ ePROTECT term life offers various options to suit different needs and life stages. From policy terms to renewal options, this product is designed with flexibility in mind. Let's examine the key features that make this policy adaptable to your changing circumstances.

Policy Terms

Multiple Options Available. Choose from 5 years (renewable), 20 years, or coverage up to age 65. This flexibility allows you to select the term that best aligns with your protection needs and financial goals.

Renewability

Guaranteed for 5-Year Term. For the 5-year term option, the policy is automatically renewable every 5 years without proof of good health, up to age 81. This feature ensures continued coverage as you age.

Entry Ages

Wide Age Range. While specific entry ages are not mentioned in the provided information, the policy's flexibility suggests it caters to a broad range of age groups.

Convertibility

Not Specified. The product details do not mention any convertibility options for this policy.

Premium Guarantees

Level and Guaranteed. Premiums are level and guaranteed throughout each policy duration or renewed duration, providing predictability in your insurance expenses.

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Riders

Based on the provided information, there are no specific riders mentioned for the TIQ ePROTECT term life product. The policy appears to be designed as a standalone term life insurance product with built-in benefits such as death coverage, terminal illness benefit, and total and permanent disability protection. If you're interested in additional coverage options, it's best to consult directly with an Etiqa Insurance representative for the most up-to-date information on any available riders or supplementary benefits.

Claims and Customer Service

While specific details about claims and customer service for TIQ ePROTECT term life are not provided in the given information, it's generally advisable to contact Etiqa Insurance directly for claim submissions and customer support. Policyholders can typically find contact information on their policy documents or the insurer's website. For death claims, Etiqa may offer an advance payment of up to $3,000 for funeral expenses, subject to their assessment. Remember that prompt notification and submission of required documents are crucial for smooth claim processing. If you need assistance, don't hesitate to reach out to Etiqa's customer service team for guidance through the claims process or for any policy-related inquiries.

Conclusion

TIQ ePROTECT term life insurance from Etiqa offers a compelling combination of comprehensive coverage and flexibility. This product may be particularly suitable for individuals seeking affordable, long-term protection for their loved ones, those who want the option to renew their coverage without medical underwriting, and people looking for a policy that includes total and permanent disability coverage. If you're in the market for term life insurance, TIQ ePROTECT could be an excellent option to consider.
. Don't miss this opportunity to make an informed decision about your financial future!

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