Star Term Protect
Structured facts
Extracted from the Product Summary at 3e97dffa7560cb9f…. 1 fact rows.
Product Type
term-life
Riders & optional benefits
Available riders (unspecified)
other
With additional premiums, you may attach available riders to enjoy extra protection. All riders are subject to terms and conditions. For more information on these riders, please refer to the relevant product summaries of the riders.
Exclusions
Verbatim from the Product Summary. Read in full before purchase.
This policy is not valid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you and any amount you owe us, from the cover start date.
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The TI benefit is not payable if the claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence.
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Under the definition of total and permanent disability (TPD), if the insured is under 65 years old, he or she must be unable to carry out any occupation. The policy does not pay if the insured is merely unable to perform the same job as before, or is unable to perform a job to which his or her training, education or experience is suited for.
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If the insured is 65 years old and above (but before the anniversary immediately after insured reaches the age of 70), he or she must be suffering from a severe disability. Otherwise, the policy will not pay the benefit.
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The TPD benefit is not payable if the claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence.
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The policy also does not pay this benefit unless the insured is certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.
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If the insured is also covered for TPD under any policies which have been issued in the past (whether issued by us or by any other insurer), the total TPD benefit due under all these policies cannot be more than S$6.5 million (including premiums waived due to TPD but excluding bonuses).
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After you have been continuously covered for one year from the cover start date, we will pay your claim unless: it is a case of fraud; you fail to pay a premium; the insured has a material pre-existing condition which you did not tell us about when you applied for this policy or rider if health declaration is required; you or the insured fail to tell us any significant information or information which is true, correct and complete which would have reasonably affected our decision to accept your application; or the claim is excluded or not covered under the terms of this policy or rider.
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Free-look period
14 days from policy delivery. We will refund you the premiums you have paid, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us.
Machine-readable endpoints
- facts.json — structured fact extraction
- summary.md — LLM-friendly markdown summary
- wording.md — full ingested wording text
- history.json — wording version history
Source & verification
All facts ingested from Income Insurance's published Product Summary on compareFIRST.sg. Open the source PDF .
This page is informational only and does not constitute financial advice under the Financial Advisers Act. For binding quotes and personalised recommendations, contact Income Insurance directly or consult a MAS-licensed financial adviser.