TIQ Essential Term Life Cover: Affordable Protection for Life's Uncertainties

Get up to S$1 million coverage for as low as S$0.38 per day . Premiums start from just S$138.70 annually for S$1 million coverage.

Choose from 5 years (renewable), 10 years to age 86 (in one-year intervals), or coverage until age 100.

Protection starting from S$401,000 for death or terminal illness .

For 5-year term policies, renew up to age 90 without proving good health.

Increase coverage without health checks upon key life events.

Convert to an endowment or whole life policy without health checks.

Add critical illness coverage and disability protection.

Death Benefit: Pays out the sum assured if the insured passes away during the policy term. Terminal Illness Benefit: Pays out the sum assured if the insured is diagnosed with a terminal illness.

For 5-year term policies, you can renew up to age 90 without proving good health. Premiums will be adjusted based on your age at renewal.

Increase your coverage without health checks upon key life events such as graduation, marriage, property purchase, childbirth, or tertiary education enrolment.

Convert your policy to any Singapore dollar-denominated endowment or whole life policy available at the time of conversion, without proving good health.

Covers 36 severe-stage critical illnesses. Accelerates the payout of the death benefit from the basic policy.

Covers 35 early or intermediate stages and 35 severe-stage critical illnesses. Accelerates the death benefit payout and offers premium waiver upon early or intermediate stage diagnosis.

Accelerates the payout of the death benefit if total and permanent disability occurs before age 86.

Waives future premiums up to age 86 or the end of the premium payment term upon diagnosis of any of 37 severe-stage critical illnesses.

Chooses S$500,000 coverage with a 5-year renewable term and adds Extra Disability Care rider for S$500,000. Annual premium: S$326.10. If David renews his policy after 5 years, he would have paid a total of S$2,961 by age 48. Benefits: High coverage at an affordable rate, option to renew without health checks, and additional protection against total and permanent disability.

Chooses S$800,000 coverage with a 25-year term and adds Advanced CI rider for S$250,000. Annual premium: S$1,568.36. Total premiums paid by age 60: S$39,209. Benefits: Long-term protection until age 60, additional coverage against critical illnesses, and peace of mind for her family's financial security.

Yes, you can increase your coverage without health checks upon certain life events.

There's usually a grace period. If premiums aren't paid after that, the policy may lapse.

It depends on your age and the coverage amount. Your advisor can provide specific details.

Yes, you can cancel at any time, but there's no cash value if you terminate early.

For the basic policy, yes. However, rider premiums may be adjusted.