Whole Life

Whole Life

Whole life insurance offers coverage for life and is commonly used for protection and legacy planning. This is unlike term insurance that only provides coverage for a specified period. Plans are usually offered on a participating basis and will accumulate cash value, allowing you to cash out should the need arise.

Products Available on FSM Global

Providers
Coverage Options
AIA Platinum Gift for Life Plus (II) (SGD)

AIA

Covers:

Death

  • Option to receive monthly payout which starts from the policy month immediately after the accumulation period (1 year or 5 years) or accumulate the payouts to receive interest.
  • Receive a guaranteed surrender value of at least 80% of the single premium you paid from day 1.
  • Hassle-free application, no health checks required.
  • Option to change life insured.
AIA Platinum Gift for Life Plus (USD)

AIA

Covers:

Death

  • Option to receive monthly payout which starts from the policy month immediately after the accumulation period (3 years) or accumulate the payouts to receive interest.
  • Receive a guaranteed surrender value of at least 80% of the single premium you paid from day 1.
  • Hassle-free application, no health checks required.
  • Option to change life insured.
AIA Platinum Heritage Wealth (II)

AIA

Covers:

Terminal Illness, Death

  • Additional 25% of minimum death benefit in the event of death before age 85
  • Quit smoking benefit
  • Guaranteed surrender value starts at 80%, and increasing to 100% at year 25
  • Coverage against unforeseen death and terminal illness up to age 100
AIA Platinum Infinite Wealth (II)

AIA

Promo

Covers:

Death

  • Policy Split Option that enables flexibility in asset planning, by dividing the current policy into up to 4 additional policies
  • Option to change life insured multiple times to meet your needs.
  • Secondary Insured feature that allows the policy to continue upon Insured’s death, for uninterrupted wealth accumulation.
  • 80% Day 1 cash value for single premium policies
  • Guaranteed issuance with no medical underwriting required
  • Capital guaranteed at end of policy year 7 for single premium policies
i-Assure99

China Taiping

Covers:

Death

  • Get 100% of sum assured in the event of Death and Total and Permanent Disability before age 99
  • Receive a Longevity Benefit upon age 99
  • Select your preferred premium payment term - to age 65 or to age 99
  • Enhanced protection with optional premium waiver riders
i-CompleteCare

China Taiping

Covers:

Total Permanent Disability, Death, Critical Illness, Terminal Illness

  • 360° protection for death, Terminal Illness, Total & Permanent Disability, all stages of Critical Illness with 137 medical conditions and 15 Special Conditions
  • Receive a longevity benefit of 120% of your total yearly premium paid at age 99
  • Choose from premium payment terms of 20, 25 years, to age 60 and to age 65
  • Enhance your policy with optional premium waiver riders
i-Secure Legacy (II)

China Taiping

Covers:

Death, Total Permanent Disability, Critical Illness, Terminal Illness

  • Choice of premium payment term of 10, 15, 20 or 25 years
  • Optional riders covering up to 161 medical conditions
  • Offers lifetime Guaranteed Benefit of up to 5x of basic sum assured for Death & Critical Illnesses
Essential Lifetime Secure

Etiqa

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.
Esteem Eternity II

Etiqa

Covers:

Death

  • Lifetime protection and guaranteed issuance.
  • Receive a guaranteed surrender value of at least 80% of the single premium you paid.
  • Receive lifetime monthly income starting from the 3rd policy year onwards.
Esteem Legacy II

Etiqa

Covers:

Death, Terminal Illness

  • A single premium entitles you to a lifetime of protection against death and terminal illnesses.
  • Option to change life insured.
  • High protection coverage of up to 383% sum insured.
FWD Life Protection

FWD

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Boost your coverage and get up to 5 times the basic sum insured.
  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.
  • Covers for up to age 120
HSBC Life Emerald Legacy Life III

HSBC Life

Promo

Covers:

Death, Terminal Illness

  • Coverage for death and terminal illness until age 120.
  • Choose to receive the death benefit payout in a lump sum or 2 to 10 annual instalments.
  • yearly basis instead of a lump sum
  • Enjoy a boosted higher guaranteed coverage up to age 85 or 99.
  • Receive a guaranteed surrender value of at least 82% of your single premium paid from day 1 (Single Premium plans only).
  • Secure your financial future with guaranteed cash value.
  • Create a lasting legacy for your loved ones with the option to change life insured.
  • Quit smoking incentive: Get 5% of the single premium refunded when the life insured quits smoking anytime within the first 4 years.
HSBC Life Treasure III

HSBC Life

Covers:

Death, Total Permanent Disability, Critical Illness, Terminal Illness

  • Boost your base coverage by 2.5x, 3.5x, 4.5x, or 6x up to age 65, 70, or 80, after which the multiplier reduces by 10% annually for five years before permanently staying at 50%.
  • Includes accidental death and family support benefits, alongside options to attach comprehensive critical illness riders and feature to convert your surrender value into annual retirement payouts.
LifeReady Plus II

Manulife

Covers:

Death, Terminal Illness, Total Permanent Disability

  • Enhance your protection up to 5X, till age 70 or 80.
  • Receive upfront premium discounts for the first 2 policy years, and continue to enjoy the discounted premium if you meet our health targets.
Manulife Signature Legacy Growth

Manulife

Covers:

Death

  • Policy Split Option that enables flexibility in asset planning, by dividing the current policy into 5 new policies
  • Option to change life insured multiple times after 2nd policy anniversary to meet your needs.
  • Secondary Insured feature that allows the policy to continue upon Insured’s death, for uninterrupted wealth accumulation.
  • Hassle-free application, no health checks required.
  • 80% Day 1 cash value for single premium policies
  • Capital guaranteed at end of policy year 7 for single premium policies
Manulife Signature Legacy Harvest

Manulife

Covers:

Death

  • Policy Split Option that enables flexibility in asset planning, by dividing the current policy into 5 new policies.
  • Option to change life insured multiple times after 2nd policy anniversary to meet your needs.
  • Death benefit inheritance option to allow the death proceeds to be spread out from 2 to 10 years instalment to the nominated beneficiaries.
  • Contingent Policy Owner Option
  • Secondary Insured feature that allows the policy to continue upon Insured’s death, for uninterrupted wealth accumulation.
  • Guaranteed issuance with no medical underwriting required
  • Access to cash value via Bonus Realisation Option
  • 85% Day 1 cash value for single premium policies
  • Capital guaranteed at end of policy year 14 for single premium policies
Manulife Signature Life

Manulife

Covers:

Death, Terminal Illness

  • Receive a guaranteed surrender value of at least 80% of the single premium you paid from day 1.
  • Option to pay in SGD or USD.
  • A single premium payment for lifetime coverage on death and terminal illness.
Complete Life Secure

Income Insurance

Covers:

Death, Total Permanent Disability

  • Boost your coverage with a Multiplier Cover of up to 500% until the age of 65, 75 or 80.
  • Option to convert a portion of your sum asssured into annual cash payout.
  • Purchase another life policy and increase death and total permanent disability coverage without a health assessment at specified major milestones.
Provenance Solitaire

Income Insurance

Covers:

Terminal Illness, Death

  • Boost your coverage for death and terminal illness with minimum protection value if up to 320% of sum assured till age 85.
  • Immediate and guaranteed cash value of 80% of single premium.
  • Complimentary one-time medical concierge service with minimum protection value of $3 million.
Singlife Heritage Income

Singlife

Covers:

Terminal Illness, Death

  • Legacy Distribution Option for sub-policy splitting
  • Guaranteed breakeven as early as 2 years after Accumulation Period
  • Continuity features via Change of Life Assured and Secondary Life Assured.
  • 100% Capital Guaranteed from Policy Year 10 onwards.
Singlife Whole Life Choice

Singlife

Covers:

Death, Terminal Illness

  • Boost your coverage by up to 400% of your base sum assured.
  • Select an age at which your additional cover gradually reduces by 12.5% per year over eight years.
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