DIRECT - Whole Life (III)

DIRECT - Whole Life (III)

Purchase your whole life protection plan from us directly.

Purchase your whole life protection plan from us directly.

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Key Benefits

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Whole life protection

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Lump sum payout upon death, terminal illness or total and permanent disability

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Optional critical illness (CI) benefit covering 30 CIs

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Flexible premium payment terms of up to age 70 or 85

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Potential for cash values to grow

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Protected up to specified limits by SDIC.

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Useful Tips

Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
  1. The premium payable and excess applicable
  2. Unnamed drivers (including young and inexperienced) excess
  3. The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
  4. Driver restrictions (if any)
  5. Workshop restrictions
  6. List of approved repair workshops
  7. Non-standard exclusions
  8. Accident reporting and claims filing procedures
  9. Cancellation and refund policy
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
  1. Profile of the vehicle
  2. Profile of the driver(s)
  3. Usage of vehicle
  4. Type of cover required
  5. History of claims
  6. No Claim Discount entitlement

To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:

  1. Your age
  2. Usage of your vehicle
  3. Make, model and year of make/registration of your vehicle
  4. Any other person(s) driving the vehicle beside you
  5. Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
  6. NCD entitlement
  7. Has the vehicle been modified? Please provide details of modifications
  8. Years of Driving experience in Singapore
  9. Existing medical conditions or physical impairment that may affect the driving of car (if any)

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