Protect you and your loved ones from life’s uncertainties

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Life insurance to bridge your protection gap

Protect you and your loved ones from life’s uncertainties

Choose from Whole Life and Term Life plans

Life protection from $0.04/day

No medical examination required

Guaranteed policy renewal

Option to accumulate cash value
with Whole Life Plan

Protection against 30 critical illnesses*

*For DIRECT – Etiqa term life and DIRECT – Etiqa whole life only

Protect your life with flexibility of choices

FLEXIBLE COVERAGE• Choose the amount of protection you need
• No medical examination is required ^
CHOICE OF COMMITMENT PERIODChoose the sum insured and duration of coverage you require:
• Protection for short-term obligation: Choose a term plan with 5-year renewable term (renewal guaranteed) ^^
• Long-term protection with certainty: Choose a term plan with 20-year fixed term or be covered till 65 years old
• Lifetime protection: Choose a whole life plan with limited-pay up to age 70 or 85 years old
CHOICE OF CASH VALUETo accumulate cash value, choose a whole life plan with lifetime cover
CHOICE OF EXTRA PROTECTIONTake precaution against 30 critical illnesses with the optional DIRECT - Etiqa CI rider * (only available with DIRECT – Etiqa term life or DIRECT – Etiqa whole life)

^Refer to FAQs below for more information
^^For DIRECT – Etiqa term life and ePROTECT term life only. At an updated premium at age of renewal

Term Life or Whole Life Plans

Choose from short-term to lifetime coverage

DIRECT - Etiqa term life

Plan Type
Term plan: Life protection for selected term

Sum Insured
$50,000 - $400,000

Policy Term
5-year renewable term, 20-year fixed term to be covered till 65 years old

Premium Term
Same as policy

Guaranteed renewal

Cash value and reversionary bonus accumulation

ePROTECT term life

Plan Type
Term plan: Life protection for selected term

Sum Insured
$401,000 - $2 million

Policy Term
5-year renewable term, 20-year fixed term to be covered till 65 years old

Premium Term
Same as policy

Guaranteed renewal

Cash value and reversionary bonus accumulation

DIRECT - Etiqa whole life

Plan Type
Whole life plan: Lifetime protection

Sum Insured
$50,000 - $200,000

Policy Term
Lifetime

Premium Term
Pay till age 70 or 85

Guaranteed renewal
N.A

Cash value and reversionary bonus accumulation

*Refer to FAQs below for more information

Tailoring the plans to your needs

Curated plans to cover unique needs at different stages of your life

Apprentice

DIRECT - Etiqa term life

Affordable Premium
Protect to suit your budget

Strategist

ePROTECT term life

Best Value Premium
High Coverage at Lower Costs

Professional

DIRECT - Etiqa whole life

Levelled Premium
Lifetime Protection & Cash Value Gain

 
Name:Jane
Age:25
Occupation:Engineer
Life Insurance:The Apprentice understands the need to protect against life’s unforeseen circumstances, especially when one has a limited budget and short-term obligations such as study loan, wedding loan or even housing loan. With DIRECT – Etiqa term life, rainy days are not as miserable as they seem.
 
Premiums*
Premium$46.20 per year or $0.13 per day
Premium and Policy Terms5 years, renewable
Sum Insured$200,000

*Premium is based on a Female, non-smoker, 25 years old (age next birthday) for illustration only

Name:Aziz
Age:30
Occupation:Engineer
Description:Getting married in 6 months
Life Insurance:The Strategist knows the importance of looking beyond the surface. He is motivated to get the best life protection and value at a lower cost. Here, Aziz compares DIRECT - Etiqa term life and ePROTECT term life.
 

High coverage at lower costs
Best value premium

More than 16% savings! 2
ePROTECT term lifeDIRECT - Etiqa term life
Premiums1
Premium$459.00 per year$107.10 per year
Premium and Policy TermsFixed at 20 yearsFixed at 20 years
Sum Insured$1 Million$200,000
Premiums based on $100,000 coverage:
Premium$45.90 per year or less than $0.13 per day$53.55 per year or less than $0.15 per day

1 Premium is based on a Male, non-smoker, 30 years old (age next birthday) for illustration only
2 Calculated premiums based on $100,000 coverage

Although the premium looks higher at first glance, ePROTECT term life offers a more cost-effective way to enjoy higher protection at a lower cost.

Name:Mr Lee
Age:35
Occupation:Working Professional
Description:Married with two kids
Life Insurance:The Professional likes to be in control, plan for the future and hedge against changes. With DIRECT - Etiqa whole life, one can get lifetime protection at a levelled premium and gain reversionary bonus obtainable as surrender value or death benefit.
 
Premiums 1
Premium$3,370.00 per year or $9.23 per day
Premium Term / Policy TermsTill age 70 / Whole Life
Sum Insured$200,000
Options at age 70 (total premiums paid will be $117,960)
(A) Surrender policy at $228,185, at illustrated investment rate of return of 4.75% 2
(B) Retain policy for death, total permanent disability and terminal illness protection and be assured that your family will receive your legacy and be covered in case of unexpected events.

Past performance is not necessarily indicative of the future performance.
As the bonus rates used for the benefits illustrated above are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.

1 Premium is based on a Male, non-smoker, 35 years old (age next birthday) for illustration only
2 The above illustrated values use bonus rates assuming an investment rate of return of 4.75% per annum. Assuming an illustrated investment rate of return of 3.25% per annum, the total surrender value at age 70 is $158,361. The two rates 3.25% per annum and 4.75% per annum are used purely for illustrative purposes and do not represent the upper and lower limits on the investment performance of the participating fund.

Frequently Asked Questions

DPI – identified by the prefix “DIRECT” in their product names – are life insurance products that you can buy directly from insurance companies, without paying any commissions. You do not need to pay commissions because these products are sold without any financial advice.

With DIRECT – Etiqa term life and ePROTECT term life, you can get up to S$1.5 million of coverage without the need for a medical check for customers up to age 40 and in the pink of health. If a medical check is required, we will bear the cost. For customers above age 55, the allowable limit for purchase without medical check-up is S$100,000.

With DIRECT – Etiqa whole life, you can get up to S$200,000 of coverage without the need for a medical check if you are in the pink of health. If a medical check is required, we will bear the cost. For customers above age 55, the allowable limit for purchase without medical check-up is S$100,000.

Important notes:

This policy is underwritten by Etiqa Insurance Pte. Ltd. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites.
DIRECT – Etiqa whole life As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.
DIRECT – Etiqa term life, ePROTECT term life As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.
Information is correct as of 16 August 2019. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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