NTUC Income Star Secure – Whole life plan with well-rounded coverage.
Choose to pay premiums for 5 to 30 years or up to age 64 and get coverage for up to 500% of your sum assured.
With NTUC Income Star Secure, you can be assured of a lifetime of comprehensive protection against death, total and permanent disability, and terminal illness.
Accumulate guaranteed and non-guaranteed cash value while staying protected against Death, Terminal Illness, Total and Permanent Disability, Early Critical Illness, Critical Illness. Surrender your policy when you no longer need coverage for cash to spend as you wish.
Add on the Advanced Secure Accelerator rider to be covered against Critical Illness as well as future unknown diseases such as COVID-19.
- Multiplier coverage: Additional 2X, 3X or 4X protection up till age 70
- Premium term: Pay premiums for 5, 10, 15, 20, 25, 30 years or up till age 64
| NTUC Income Star Secure (Product details at a glance) | ||
| Cash value and Withdrawal benefit(s) | Yes | No |
|---|---|---|
| Policy cash value | ||
| Choice of premium/ payment terms | ||
| Options for coverage multipliers | ||
| Options to increase coverage at life stages | ||
| Conversion to retirement income/ savings plan | X | |
| Health and Insurance coverage(s) | Yes | No |
| Death coverage | ||
| Total and Permanent Disability coverage | ||
| Terminal Illness coverage | ||
| Critical Illness coverage | ||
| Early Critical Illness coverage | ||
| Optional insurance rider(s) | Yes | No |
| Insurance riders to enhance coverage | ||
| Additional product feature(s) | Yes | No |
| Flexible premium terms - Choose from premium term 10 to 30 years at multiple of 5 or up to age 64 | ||
| Additional coverage for accidental death benefit | ||
| Premium waiver of 6 months upon retrenchment | ||
| Option to purchase additional coverage with no underwriting during milestone events | ||
Additional product feature(s) on NTUC Income Star Secure
Detailed features and unique selling points of NTUC Income Star Secure:
Accidental death benefit
- In the event of accidental death, NTUC Income pays out an additional 2X the sum assured
Family member grievance benefit
- Future premiums are waived and 24 months of premium will be paid out in the event of death or total and permanent disablement of a family member
Retrenchment benefit
- 6 months of premiums can be waived if you are retrenched and stay unemployed for more than 3 months
Additional riders for NTUC Income Star Secure
The following riders can be added to your NTUC Income Star Secure at an additional cost for greater protection towards your coverage goals:
- Early Secure Accelerator
- Advanced Secure Accelerator
- Hospital CashAid
Who should take up NTUC Income Star Secure?
NTUC Income Star Secure is a whole life plan. This category of insurance plans are suitable or unsuitable depending on the following factors:
NTUC Income Star Secure is suitable for
- High insurance coverage against Death and Terminal Illness
- High insurance coverage against Early Critical Illness, Critical Illness and Total and Permanent Disability
- Paying premiums over a set amount of time for lifetime insurance coverage
- Accumulate cash value and non-guaranteed bonuses that can be surrendered for profit at later stages
NTUC Income Star Secure is not suitable for
- High surrender value at early stages
- Flexible access or withdrawal of funds
- Higher potential returns compared to an investment-linked policy
- Low premiums for amount of coverage compared to a term life plan
Sample policy illustration for NTUC Income Star Secure
Coming soon.
Learn more about NTUC Income Star Secure
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