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High protection coverage at affordable premiums

Get up to 40% off your term life plans when you go through us.


Coverage Needs

Has your income changed over the years? Are you under-covered or over-covered? The amount of coverage has to move in parallel with your income and lifestyle. Get some guidance from an independent financial expert on your current financial portfolio and how much coverage you actually need.


How long should you be covered for

The purpose of a term life insurance plan is meant to cover existing debts and liabilities for a fixed period. If you are currently paying off a debt or pending the completion of your child's education, consider a duration long enough to cover these milestones.


How much should you be paying

Term life premiums have gone down by almost 50% over the past 5 years. Are you overpaying for your existing life insurance plans? Speak with an independent financial expert to find out. 


Compare plans on your terms

Compare coverage, premiums, and benefits across insurers to make a more informed decision. With the right independent financial advisor guiding you, you will be given options to switch out your existing plans for new, cheaper ones, or to add on your coverage.

Best Term Life Plans with S$1m death coverage

Singlife Logo

Singlife Elite Term


Etiqa Essential Term


FWD Future First

Manulife Logo

ManuProtect Term (II)

AIA Logo

AIA Secure Flexi Term

Death coverage amount

S$1 million

How long are you covered for?

till 65 years old (retirement age)

Cost per month (S$)*


Critical illness & disability add-on

Available add-ons, flexible coverage

Did you know that Term life premiums have gone down by more than 50% since 5 years ago? If you're looking to seek an independent review of your existing policies, drop us your details below.

Why should you make life insurance a priority

Why should you make life insurance a priority?

With the right insurance, you can be rest assured that your loved ones won't be financially burdened should anything happen to you. A comprehensive and tailored insurance policy according to your needs can help to cover the immediate bills, and defray the cost of daily living expenses in adverse situations.

Does term life insurance cover critical illness?

Critical illness cover can be added to the main term life plan at a nominal amount. To determine the necessary coverage you need, it's beneficial to seek advice from an independent financial advisor who will assess your financial situation, do a review of your existing plans (if any), and provide suitable product recommendations.

Other than critical illness, there are other riders like disability that can be added to the main plan to provide a more comprehensive coverage overall. All in all, it will be useful to have a deep understanding about your current financial situation, the protection gaps you need to fill based on your lifestyle and how much budget should you cater for insurance. 


Does term life insurance cover critical illness

How to choose the right insurance plan?

Follow these steps to find the right insurance plan tailored for you.

Before you start getting overwhelmed with a thousand insurance plans in the market, the first step is to assess your current financial situation. Understand the assets and liabilities that you have - If a mishap were to happen to you, will your current finances be able to support your dependents and their lifestyle or cause a financial burden to them. 

If your answer is the latter, then you should start making insurance a priority lest it's too late. 


  • General

Term life insurance is a type of life insurance policy that provides coverage for a specified period (term), typically ranging from 5 to 30 years. It offers a death benefit payout to your beneficiaries if you pass away during the term of the policy. There are options to add riders to your term life plan.

After venturing into investments at the age of 23, Wen Qian established a physiotherapy practice in 2018 and acquired her first private property at 28. Inspired to give back after a successful decade of entrepreneurship, she finds fulfillment in financial advisory by merging her diagnostic skills with a
passion for helping people discover solutions. Outside of work, Wen Qian is a passionate netball player and avid globetrotter, finding joy in traversing the world and soaking in the myriad experiences each destination offers.

Boo Wen Qian
Independent Financial Advisor, IPP
With 7 years in the industry, 35-year-old Tat Hang is a proud father of 9-month-old twin boys and three cats. He is a firm believer in the therapeutic benefits of a furry companion, and enjoys watching a good stand-up comedy show to unwind. Having a Bachelor’s Degree in Mechanical Engineering, Tat Hang specialises in providing holistic financial planning services, including goal setting, budget and cash flow advisory for his clients.
Chaem Tat Hang
Independent Financial Advisor, IPP
Joining IPP in 2021 as an adviser, Brian has been working with various business owners and young entrepreneurs on their wealth planning journey. His customer-centric approach ensures that his clients and their loved ones always receive undivided attention to find the plans best suited for
Brian Pham
Independent Financial Advisor, IPP

Our Life Insurance Providers

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