Term Insurance overview
Term Insurance provides financial protection for your family if the unexpected happens. It offers high coverage at affordable premiums, making it one of the most practical ways to safeguard your dependents, pay off loans, and ensure financial stability.
-
Young working adults
-
Parents with dependents
-
Homeowners with mortgage obligations
-
Anyone looking for high coverage at low cost
Why Choose Us
The Advantage of Choosing Us
Unbiased Advice
We compare across insurers, not tied to just one.
Simple, Clear Explanations
Insurance doesn’t have to be confusing.
Personalised Recommendations
Insurance doesn’t have to be confusing.
Trusted & Experienced Advisors
Proven track record of client satisfaction.
Policy Term Options
Coverage 5, 10 and up to 99 with Option for Limited Pay Premium Term of 5,10 till age 65 and 75
Riders Option
TPD Advance Cover Plus, CI Advance Cover Plus IV, MultiPay Critical Illness Cover IV, Early Critical Illness Cover II, Singlife Big 3 Critical Illness Cover, Critical Illness Premium Waiver II, Payer Critical Illness, Premium Waiver II, Payer Premium Waiver Benefit
Discounts
30% Perpetual Discount
What's Unique
Limited Payment Option Add on Multipay CI Rider
Policy Term Options
Cover up to age 50, 55, 60, 65, 70, 75, 85 or 99 & renewable period of 15, 20, 25, or 30 years
Riders Option
Advance Critical Illness Payout, Early Critical Illness Payout II, Critical Illness Plus Benefit, Super CritiCare Rider, Premium Waiver, Payer PremiumEraser, Advance Total and Permanent Disability Payout II, Personal Accident Benefit, Guaranteed Survival Payout
Discounts
35% Perpetual Discount
What's Unique
Add Super CritiCare Rider - Receive unlimited payouts of up to 600% of sum assured for multiple critical illnesses, including first-in-market coverage for re-diagnosed cancer, recurrent heart attack and stroke at any stag + Guaranteed Survival Payout In the event you outlive the term of the policy, you will get reimbursed with the prevailing sum assured.
Policy Term Options
5,10 or 11 up to age 85 years old
Riders Option
Critical Illness (CI) Accelerator Rider, Early Critical Illness (CI) Accelerator Rider, Protect 1 Lite Rider, Early Critical Illness (CI) Premium Waiver Rider, Premium Waiver Riders, KidAssure GIO Rider
Discounts
40% Discount First 3 years
What's Unique
Protect 1 Lite Rider Pays out monthly benefits for 6 years upon the loss of ability to perform any one of the Activities of Daily Living (ADL). KidAssure GIO Rider Covers death, child-related illnesses and provides a hospitalisation benefit. In addition, 80% of premiums paid will be refunded upon the survival of juvenile life assured on the policy anniversary when he/she reaches age 19.
Policy Term Options
Covered for 5 or 10 years (renewable and convertible), 11 to 40 years, or to age 65, 75 or 85
Riders Option
Critical Illness (CI) Accelerator Rider, Early Critical Illness (CI) Accelerator Rider, Protect 1 Lite Rider, Early Critical Illness (CI) Premium Waiver Rider, Premium Waiver Riders, KidAssure GIO Rider
Discounts
8% Perpetual Discount
What's Unique
Quit Smoking Incentive - Smokers enjoy lower non-smoker premium rates for the first 3 policy years, and can continue to do so if they quit within the first 3 policy years
Policy Term Options
10, 15, 20, 25, 30, 35, 40 years; OR Up to the age of 64, 74, 84 and 100 last birthday
Riders Option
Disability Accelerator, Essential Protect, Total Protect, Hospital CashAid, Dread Disease Premium Waiver, Payor Premium Waiver, Enhanced Payor Premium Waiver
Discounts
30% First Year Discount
What's Unique
Hospital CashAid Offers additional support to reduce out-of-pocket expenses in the event of hospitalisation
Policy Term Options
from 5 years term till age 99
Riders Option
TPD Rider, CI Rider, Total CI Rider, Premium Waiver
Discounts
35% Perpetual Discount
What's Unique
The FWD Total CI Rider is an optional add-on to the FWD Future First policy, providing coverage for early, intermediate, and late-stage critical illnesses, including future unknown illnesses through the Future Protect Benefit, along with a Reset Benefit that restores coverage 12 months after a claim.
Policy Term Options
5 years (renewable) 10 - till age 86, Until 100 years old
Riders Option
Extra Disability Care, Advance CI Rider, Early CI Rider, Extra Secure Waiver
Discounts
47% Perpetual Discount
What's Unique
Coverage till age next birthday 86
Policy Term Options
5,10 or 11 up to age 85 years old
Riders Option
Advance Care Rider, Early Care Rider, Enhanced Waiver Rider, Early Waiver Rider
Discounts
25% First Year Discount
What's Unique
i-Assure. Get 100% of your sum assured in the event of Death and Total and Permanent Disability before age 99. Limited Payment Option
