A peace of mind for the long run

During a crisis, uncertainty and loss of control can be overwhelming. Will your family have enough to get through this? How will you carry on in the aftermath? 

Take back control with Etiqa Essential lifetime secure, a whole life plan that multiplies your protection coverage when you need them. Built for true security, this plan provides up to 5x basic sum insured in death coverage and more. 

Let's get you the support you need in challenging times to live life on your own terms.

What Etiqa Essential lifetime secure can do for you

Enjoy high payouts for life

Multiply your death cover by up to 5x basic sum insured.

Premium relief during challenging times

Waive one year of your premiums during intensive care admission, retrenchment or immediate family member’s death, terminal illness or total permanent disability

Flexible plan that evolves with your needs

Choice of premium payment terms: 5, 10, 15. 20, 25 or 30 years

Purchase an additional plan without undergoing more health checks, whether you’re graduating from tertiary education, getting married or having a child.

More protection with comprehensive riders

Early CI benefit rider: Additional protection in the event of early-stage critical illnesses, top 3 CI diagnosis, or covered special and juvenile conditions1

CI benefit rider: Advanced payout upon diagnosis of severe-stage critical illnesses

Enjoy up to S$2,500 cashback 

Terms and conditions apply.

How it works

Scenario 1
 

John, Sophie's newborn, is insured for S$100,000 under the Essential lifetime secure plan with a S$50,000 Early CI benefit rider and 5x multiplier, covering him until age 81.

Sophie pays S$1,646 annually for 25 years.

Scenario 2 
 

Emma, age 30, non-smoker buys Essential lifetime secure plan with S$150,000 coverage, along with the Early CI and CI benefit riders, each at S$50,000 and a 3x multiplier until age 71.

She pays S$5,066.50 annually for 20 years.

The scenario(s) above are for illustration purposes only.

Policy fees and charges apply. Please refer to the policy contract for full details of the terms and conditions.

Leave your details below

The Etiqa team is ready to assist you with any queries. Share your details, and they will reach out by the next working day, or start an instant WhatsApp chat with them.

Plus, get S$20 cash3 when you meet with an Etiqa Assurance Manager for a financial health check - no purchase needed. T&Cs apply.

Useful Information

Understand the details before buying

Footnotes

1. The maximum aggregate amount is S$25,000 per life insured per covered condition. Each covered condition can only be paid once and a maximum of 6 claims can be made under this benefit.

2. Note: 1% of the rider’s sum assured will be paid for 12 months as long as the death of the life insured does not happen.

3. Meet an Etiqa Assurance Manager promotion: Please click here for the terms and conditions.

Up to SGD 2,500 cashback promotion: Please click here for the terms and conditions. 

Disclaimer

Terms and conditions apply.
Age means the age at next birthday. 

As an introducer, Singtel is not permitted to give advice or provide recommendations on any investment product to you; or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities. Singtel may be remunerated by Etiqa Insurance Pte. Ltd (UEN: 201331905K) (“Etiqa”) for each successful referral. Singtel will disclose the amount of the successful referral remuneration it receives from Etiqa in respect of your referral if requested by you. Please direct all insurance enquiries to Etiqa (https://www.etiqa.com.sg/).

This policy is underwritten and distributed by Etiqa. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should seek advice from a financial adviser before deciding to purchase the policy. If you choose not to seek advice, you should consider if the policy is suitable for you. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. 

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 Etiqa or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg). 

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 1 April 2025. 

© Singtel (CRN: 199201624D) All Rights Reserved.