Comprehensive coverage for you and your family

How this will benefit you

High protection coverage

Option to include Total & Permanent Disability and Critical Illness coverage

Who can apply

Anyone between 1 and 75 years old (age next birthday)

An affordable term life insurance plan to meet your protection needs.

Features and benefits

Boost your protection at affordable premiums

Get covered for Death and Terminal Illness.

See our premiums

Enhance your protection

Choose to cover till 100 years old (age next birthday) for more security. For enhanced coverage, you can add optional riders to cover Total & Permanent Disability and up to 121 Critical Illness conditions.

See our premiums

Pay the same premium throughout the policy term

Do not have to worry about rising premiums over time (applies to Death, Total & Permanent Disability and Terminal Illness coverage only).

Convert your policy to cover whole of life

As your needs changes, you can convert this policy to a life policy offering cash value, regardless of your health status.

This is not a fixed or savings deposit. It is a term insurance plan. For conversion to Universal Life policy, terms and conditions apply.


Allan's profile:

35 years old

Married with kids and non-smoker

Policy details:

He chooses a sum assured of S$1,000,000 and a coverage term of 30 years

He adds Living Care Rider (covers 53 critical illnesses) with a sum assured of S$300,000 and a coverage term of 30 years

His premium is S$113.85 a month

The figures used are for illustrative purposes only. All ages specified refer to age next birthday. Premium rates for the Living Care Rider are not guaranteed and may be adjusted based on future experience.


Find out how much coverage you need

Get personalised suggestions for each type of coverage on the OCBC Digital app.

before you apply

Eligibility requirements

Age (next birthday)

1 to 75 years old

Important notices

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites ( or


Based on S$1 million sum assured for male non-smoker, covered till age 70.

Entry age (next birthday)

Age 20

Monthly premium
Sum assured/Annual premium

Age 30

Monthly premium
Sum assured/Annual premium

Age 40

Monthly premium
Sum assured/Annual premium

Age 50

Monthly premium
Sum assured/Annual premium

Monthly premium payable is dependent on insured person's entry age, gender, smoker status, sum assured and coverage term. The "x" refers to the number of times of coverage you get for the premium you pay, which is derived by the sum assured divided by annual premium.