Life Insurance
Life insurance provides financial protection to your loved ones in the event of your passing, ensuring they can maintain their standard of living.
Why Consider Life Insurance?
1. Financial Security: Provides peace of mind, knowing your loved ones are protected.
2. Risk Management: Mitigates the financial risks associated with your passing.
3. Tax Benefits: Offers tax-free death benefits and potential tax-deferred growth
Key Benefits
1. Income Replacement: Ensures your family's financial stability, even if you're no longer around.
2. Debt Repayment: Pays off outstanding debts, such as mortgages or loans.
3. Funeral Expenses: Covers funeral costs, reducing the burden on your loved ones.
4. Legacy: Leaves a financial legacy for your heirs or favorite charities.
Who Needs Life Insurance?
1. Breadwinners: Primary income earners with dependents.
2. Parents: Those with young children or adult children with disabilities.
3. Business Owners: Entrepreneurs with business partners or employees relying on them.
4. Anyone with Debt: Individuals with significant debts, such as mortgages or loans.
Term Plans
Term plan is a simple and affordable type of life insurance that offers coverage for a set period, providing financial support to beneficiaries if the policyholder passes away during that time. It’s ideal for individuals looking to protect their family’s financial future on a budget, particularly those with dependents like young children, spouses, or elderly parents. This coverage is also well-suited for temporary needs, such as covering a mortgage or funding a child’s education during critical financial commitments.
Partner's Products
Singlife Elite Term II
Policy Term Options
Coverage 5, 10 and up to 99 with Option for Limited Pay Premium Term of 5,10 till age 65 and 75
Riders Option
TPD Advance Cover Plus, CI Advance Cover Plus IV, MultiPay Critical Illness Cover IV, Early Critical Illness Cover II, Singlife Big 3 Critical Illness Cover, Critical Illness Premium Waiver II, Payer Critical Illness, Premium Waiver II, Payer Premium Waiver Benefit
What's Unique
Limited Payment Option Add on Multipay CI Rider
Existing Promotion
30% Perpetual Discount + First Year $60 discount
HSBC Term Protector/Term Protector Prime
Policy Term Options
Cover up to age 50, 55, 60, 65, 70, 75, 85 or 99 & renewable period of 15, 20, 25, or 30 years
Riders Option
Advance Critical Illness Payout, Early Critical Illness Payout II, Critical Illness Plus Benefit, Super CritiCare Rider, Premium Waiver, Payer PremiumEraser, Advance Total and Permanent Disability Payout II, Personal Accident Benefit, Guaranteed Survival Payout
What's Unique
Add Super CritiCare Rider - Receive unlimited payouts of up to 600% of sum assured for multiple critical illnesses, including first-in-market coverage for re-diagnosed cancer, recurrent heart attack and stroke at any sta
Existing Promotion
35% Perpetual Discount off Death/Disability and CI Till age 99 along with their eligible
FWD Future First
Policy Term Options
from 5 years term till age 99
Riders Option
TPD Rider, CI Rider, Total CI Rider, Premium Waiver
What's Unique
The FWD Total CI Rider is an optional add-on to the FWD Future First policy, providing coverage for early, intermediate, and late-stage critical illnesses, including future unknown illnesses through the Future Protect Benefit, along with a Reset Benefit that restores coverage 12 months after a claim.
Existing Promotion
35% perpetual discount
TM Term Assure II
Policy Term Options
5,10 or 11 up to age 85 years old
Riders Option
Critical Illness (CI) Accelerator Rider, Early Critical Illness (CI) Accelerator Rider, Protect 1 Lite Rider, Early Critical Illness (CI) Premium Waiver Rider, Premium Waiver Riders, KidAssure GIO Rider
What's Unique
Protect 1 Lite Rider Pays out monthly benefits for 6 years upon the loss of ability to perform any one of the Activities of Daily Living (ADL). KidAssure GIO Rider Covers death, child-related illnesses and provides a hospitalisation benefit. In addition, 80% of premiums paid will be refunded upon the survival of juvenile life assured on the policy anniversary when he/she reaches age 19.
Existing Promotion
40% discount on premium first 3 years
Whole Life Plans
Whole life is a permanent life insurance policy that provides lifelong coverage with a guaranteed death benefit and a cash value component that grows over time. Unlike term policies, it does not expire as long as premiums are paid. This type of insurance is ideal for individuals looking for long-term financial security, estate planning, or a means to accumulate wealth while ensuring their loved ones receive financial protection.
Partner's Products
FWD Life Protection
Premium Term Options
5, 10, 15, 20 & 25 years
Multiplier Options
2, 3 & 5x till 75 and 85 last birthday
What's Unique
Enjoy Premium Waiver during retrenchment + Holistic CI rider benefits Enjoy coverage for special, mental and juvenile conditions and ICU admission with FWD Early CI Protection Rider. We also cover you for pre-early cancer.
Existing Promotion
N/A
Essential lifetime secure
Premium Term Options
5, 10, 15, 20, 25 or 30 years
Multiplier Options
2 - 5x till 66,71,76,81,86 next birthday
What's Unique
Early CI benefit rider Get an extra 20% of the rider’s sum insured for major cancer, severe stroke, or heart attack, plus 12 monthly payouts (1% each) for any of 63 severe-stage critical illnesses.
Existing Promotion
8% Cashback
Manulife LifeReady Plus (II)
Premium Term Options
10,15,20,25 & Pay till age 99
Multiplier Options
1 - 5x
What's Unique
Health Advantage Benefit Enjoy upfront premium discounts for the first 2 policy years Continue to enjoy the premium discounts after policy year 2, if you meet health targets
Existing Promotion
10% first year premium discount
Indexed Universal Life
​Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers lifelong coverage with a flexible death benefit and a cash value component that grows based on the performance of a selected stock market index, such as the S&P 500. Unlike whole life insurance, IUL allows policyholders to adjust their premiums and death benefits over time, providing greater flexibility. The cash value has the potential for higher returns compared to traditional universal life policies, while also offering downside protection through a floored guaranteed interest rate. This type of insurance is ideal for individuals seeking a balance between financial security, tax-advantaged growth, and market-linked opportunities while ensuring their loved ones receive financial protection.
Partner's Products
- Disclaimer -​
​
ProsperaLifestyle.com is an independent information provider. It is not a bank or financial services provider and cannot give direct financial advice.
​
All Sample Premium results if shown are based on the criteria indicated and ProsperaLifestyle.com does not warrant or guarantee that anything written here is accurate, timely, or relevant to the solution of any problem you may have.
​
Contents are intended as general information only and do not consider financial situation or need of any user or reader, any specific person or group of persons. It does not constitute advice nor does any part of the content constitute an open offer capable of forming the basis of a contract.
​
ProsperaLifestyle.com works with Synergy Financial Advisers to present these contents. Synergy Financial Advisers makes no representation or warranty as to its adequacy, completeness, accuracy or timeliness for any particular purpose. All information provided is not intended to be and does not constitute financial advice, insurance advice or any other advice or recommendation of any sort offered or endorsed by Synergy Financial Advisers.
​
Promotions indicated on this page may not be accurate and may be subjected to changes by providers without warning. ProsperaLifestyle.com does not take responsibility for the accuracy of the information shown in this content.
You are recommended to seek financial advice from a qualified financial advisor for product suitability and its latest premium rates quotation before deciding to purchase the product. In the event you choose not to seek advice, you should consider if the product is suitable for you.
Without prejudice to the generality of this, Synthesis Ventures Pte Ltd specifically excludes liability for any loss or damage no matter how arising from the use of this Web Portal or of any information or services provided through this web portal.