Kairos Advisor

I have good news for those of us who need high coverage for 31 types of critical illness, total & permanent disability and premature death.

Our company, IPP Financial Advisers Pte Ltd has tied up with Life Insurer TM Asia Life to launch an exclusive 5 years insurance term plan called IPP 3D Term.

The premium payable is very very affordable and you will receive a 50% discount on the initial payment.

Main Product benefits
1. Death – On death, the sum assured is payable and the plan will terminate.

2. Terminal Illness – On diagnosis od terminal illness, the sum assured is payable.

3. Total & Permanent Disability (TPD) - In the event of TPD, the sum assured is payable.

4. Accelerated Dread Disease Coverage (DD) - On diagnosis of DD, the sum assured is payable.

Guide lines for the 5 years term plan

Age at entry (minimum) – 17 age next birthday
Age at entry (Maximum) – 65 age next birthday
Max expiry age – 70 years old
Minimum sum assured – $150,000
Coverage Term – 5 years

14 days free look applies – you can return the policy within 14 days after you receive the policy documents if you decided that you do not want the plan. The premiums paid less medical fees incurred in assessing the risk (if any) under the plan will be refunded.

Annual Premium for $150,000 sum assured
Age Male Female
25 $382.50 $364.50
30 $415.50 $454.50
35 $504.00 $592.50
40 $792.00 $774.00

Best of all, a very useful feature is that you can convert part or all of the plan into a whole life plan or an endowment plan up to the original sum assured amount within the 5 years, without any medical evidence. The remaining sum assured of the term plan must be at least $150,000. You may convert the plan on the premium payment due date.

This is very helpful if you are experiencing a tight cash budget now but you need the high insurance coverage.

If this fits your financial planning, please call me for an appointment soon.