• Covers an extensive range of 74 medical conditions for Early, Intermediate and Advanced stages of Dread Diseases¹
• Comprehensive coverage against Total and Permanent Disability (TPD)
• First insurer with 3 times coverage for death and terminal illnesses before age 65 (last birthday)⁷
• Extra coverage⁴ for Angioplasty, Diabetic Complications, Severe Osteoporosis and Severe Rheumatoid Arthritis

IMPORTANT NOTES

¹ A waiting period of 90 days will apply from the date of policy issue, inclusion/increase of any benefit or policy reinstatement.

² Early Stage Dread Disease Benefit is equivalent to
(i) 50% of the Remaining Sum Assured, subject to a maximum of $75,000 for each Early Stage Dread Disease per Insured and
(ii) 50% of the accumulated bonuses, or a pro-rated amount if the maximum sum assured of $75,000 is paid out.
We will not pay the Early Stage Dread Disease Benefit (a) for the same Dread Disease more than once; and (b) if we had already paid the Intermediate Stage Dread Disease Benefit for the same Dread Disease.

³ Intermediate Stage Dread Disease Benefit is equivalent to
(i) Remaining Sum Assured subject to a maximum of $150,000 for each Intermediate Stage Dread Disease per Insured and
(ii) accumulated bonuses or a pro-rated amount if the maximum sum assured of $150,000 is paid out.
We will not pay the Intermediate Stage Dread Disease Benefit for the same Dread Disease more than once. If we had already paid for Early Stage of the same Dread Disease, the amount payable for the Intermediate Stage Dread Disease Benefit will be capped at $75,000 plus pro-rated accumulated bonuses.
Each claim paid for Early and Intermediate Stage Dread Disease will reduce the sum assured. Subsequent premiums, claims and cash values will be based on the reduced sum assured called the Remaining Sum Assured. The Policy will cease when 100% of the original sum assured has been paid out on a cumulative basis.

⁴ A survival period of 30 days from the date of occurrence of insured event applies.

⁵ We will pay this benefit at most twice, provided that the Policy has not ceased, and so long as the second claim is not for the same medical condition as the first claim.

⁶ Bonus rates are not guaranteed and the actual benefits payable may vary according to the future experience of the Life Participating Fund.

⁷ The maximum aggregate benefit payable for terminal illness per Insured is $3 million, inclusive of all policies issued by us and other insurers. If the Insured dies or is certified to be terminally ill from age 65 onwards, remaining sum assured with bonuses will be paid.

This brochure is for general information only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. Please visit www.income.com.sg to read a copy of the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Information is correct as of 12 August 2011 (Source: NTUC Income Website)