5 Best Term Insurance Till Age 99 in Singapore (Comparison for 2021)
…Compare and Save PRECIOUS Time & Money
1179+ Singaporeans have benefitted from our comparisons
- Avoid multiple agents yet be able to compare across 15 insurance companies
- Our DeepDive™ provides an in-depth comparison of the best term till 99 plans in Singapore
- Tailored to your specific needs with personalised quotes and premiums
- Protect yourself with life insurance coverage and leave a legacy
We’re Mentioned On
The Purpose of a Term till 99 Plan
The term insurance till age 99 is a combination of 2 things:
- Income Protection
- Leaving a Legacy
For those who feel that nothing is gotten back from a regular term insurance, then a term till 99 answers that.
It covers till the age of 99, so there’s likely to be a payout. And if you reach the age of 100, some plans provide guaranteed payouts too.
Finding the Best Term till 99 Plan in Singapore
If you like the idea of a term till 99, what’s next?
Finding the best one of course!
You’re using your hard-earned money and you’ll definitely want to make the best decision (with no regrets in the future).
But term plans till age 99 come in all shapes and sizes… and one size doesn’t fit all.
The only way to find the best one for you is to do an in-depth comparison across the different plans offered by the different insurance companies.
And that’s what we’re good at.
What’s in Our Term till 99 DeepDive™
Unlike others, our DeepDive™ gives you the Good and the Bad…
So you will be equipped to make better decisions.
What we’ll cover in the comparison:
- What’s the basic sum assured
- Whether there’s a guaranteed survival payout
- How much are the premiums
- Any secondary benefits
- Potential disadvantages
- Anything else you wish to know…
We spent hours scrutinising policy documents so that you don’t have to.
But, We Do Things Differently
Unlike others, we don’t publish comparisons online (comparisons from other sites are usually generic and don’t apply to most people anyway), nor do we send these personalised comparisons directly to your email or through any other means.
We do this on an appointment basis (via zoom video call or a meet-up) to first understand your situation before going through the comparison with you. This ensures that we can provide appropriate advice there and then.
It may sound troublesome to you, but hear us out.
3 Reasons Why We Need to Meet
(Either through a zoom video call or a meet-up)
You just want to look at the numbers… you got no time… you don’t want to meet strangers.
Perhaps you’re here because you were doing research online or came looking for more information when someone – friend or agent – told you about this.
So you may thinking, “just email the comparison and quotes to me!“
As consumers ourselves, we understand the convenience of that.
But a mere comparison table will not help you make a concrete decision (one that you can set in stone).
Here are 3 reasons why there’s a need to meet:
1) Give Accurate Recommendations
Can you be absolutely sure of what you want? Could there be something that you may have missed?
A wrong decision might lead to a lifetime of regrets.
If you go to a doctor and without asking you anything, the doctor gives you medicine for this, this and this.
Would you have full confidence in the solution? No.
And that’s why there’s a need to understand your situation first BEFORE we give a recommendation – we’re not in the business of pushing products.
2) Requirement of MAS
In the Financial Advisers Act, it is stated that in order for a recommendation to be made, information on the client has to be gathered first.
Any inaccurate or incomplete information may affect the suitability of the recommendation.
Over the years, MAS has imposed stricter regulations to ultimately protect Singaporeans (and that includes you).
It is there for a reason and that is to ensure that you don’t end up with an unsuitable plan.
3) Touch on Fine Prints
What’s the purpose of a comparison table?
It’s to present information in an organised and simple way, so that you can make a decision based on it.
But can you really make an informed decision from it?
If you can easily do that, there wouldn’t be a need for two-digit pages of policy documents (for just one plan).
There are fine prints and clauses that might make or break your decision.
And that’s why we meet to not only show you the comparisons but to go through any critical pointers that you MUST be aware of.
We don’t want to overpromise and underdeliver.
What Singaporeans Are Saying
We Compare 15 Insurance Companies to Find the Best Plan for Your Needs
This is GREAT if you:
Our Trusted Providers
- AIA
- Singlife with Aviva
- Friends Provident
- China Life
- Generali Worldwide
- China Taiping
- NTUC Income
- Manulife
- LIC
- Old Mutual
- Swiss Life
- HSBC Life
- AXA
- Tokio Marine
- Singlife
- Transamerica
- Etiqa
- FWD
Yes, there’s no fee involved.
It typically takes around 45 minutes. However, it can be longer for more complex situations or if you have further questions.
Depending on your situation, we may or may not recommend solutions. If we do, it’s entirely up to you to go ahead with it. As consumers ourselves, we dislike high-pressure tactics.
Yes! If you do have them, do bring them along (or a policy summary) as we can provide more accurate feedback.
This can be done over a zoom video call or a meet-up.