Our plan is designed to adapt to your family’s changing needs. You can choose core protection plus optional riders, flexible premium terms, and coverage enhancements. You get a policy that responds to your life stage, ensuring that your loved ones are supported even when life takes an unexpected turn.
Key Features & Coverage Highlights
- Life / Death Benefit — A lump sum payment to beneficiaries in the event of your passing during the policy term.
- Total & Permanent Disability (TPD) Coverage — Protection in case you suffer a disability that prevents you from working.
- Optional Riders / Add-Ons:
- Critical Illness Cover — pay out if you are diagnosed with a covered serious illness
- Hospital Income / Daily Cash Benefit — receive daily cash support if hospitalized
- Waiver of Premium — if you become disabled, your premiums may be waived while the policy stays active
- Accidental Death / Accidental TPD enhancement
- Children’s Rider — life / TPD protection for children
- Flexible Premium & Term Options — Choose how long you pay premiums vs how long coverage lasts
- Guaranteed Renewable & Convertible Options — Renew or convert even if your health changes (subject to terms)
- No Medical Test / Simplified Underwriting (for qualifying applicants)
- Family Coverage Bundling — Cover multiple family members under one policy for convenience and potential discount
