Convenient way to get your lifetime assurance

Etiqa's online whole life insurance, termed as DIRECT - Etiqa whole life, protects you for as long as you live, covering you for death, terminal illness and total and permanent disability.

In addition, your whole life insurance accumulates cash value such that you can get back more than your premiums paid after some years1.

Enjoy these benefits with Etiqa online whole life insurance

Protection for peace of mind

Get coverage for death, terminal illness and total and permanent disability.

Choice of coverage amount

Choose any sum insured from S$50,000 to S$200,000.

Choice of premium payment term

Pay premiums till age 70 or 85 and enjoy a lifetime of protection.

Same premiums even as you age

Lock in your lower premiums when you’re young and healthy.

Optional enhanced coverage

Add on a rider to enjoy up to S$200,000 coverage against 30 critical illnesses.

Get up to S$100 cashback

Promotions end on 31 May 2025. Terms and conditions apply.

How it works


Liam, age 35, non-smoker

Opts for:

  • S$200,000 sum insured for DIRECT - Etiqa whole life

  • Pays premiums till age 70

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

The above illustrated values use bonus rates assuming an illustrated investment rate of return of 4.25% per annum. Assuming an illustrated investment rate of return of 3.00% per annum, the death benefit would be S$256,339 and the surrender value would be S$161,217. The two rates, 4.25% per annum and 3.00% per annum, are used purely for illustrative purposes and do not represent the upper and lower limits on the investment performance of the participating fund. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund. Past performance or any forecasts are not necessarily indicative of the future or likely performance of your participating policy.

Leave your details below

The team is ready to assist you with any queries. Share your details, and Etiqa will reach out by the next working day. 

FAQs

  • 1.
    Is medical examination required in order to purchase whole life insurance online?
    With DIRECT – Etiqa whole life, you can get up to S$200,000 of coverage without the need for a medical check if you are in the pink of health. If a medical check is required, Etiqa will bear the cost. For customers above age 55, the allowable limit for purchase without medical check-up is S$100,000.
  • 2.
    Can I buy a whole life insurance plan for any of my family members online?
    No, the applicant for DIRECT - Etiqa whole life must be the same person as the life insured. If you wish to apply for a whole life insurance plan for your spouse or children, you may check out Etiqa Essential whole life cover.
  • 3.
    How to file for death claim?
    To file for a claim, written notice must be given to Etiqa within 3 months of the occurrence of the claim event. The claimant must supply at his/her own expense, all certificates, information and evidence required by Etiqa for assessment of the claim. Etiqa reserves the rights to conduct a post-mortem and they will bear the expenses.

Click here to view more FAQs.

Useful Information

Understand the details before buying

Footnotes

1. The number of years required to break even, i.e. the surrender value of the plan is at least equivalent to the total amount of premiums paid, depends on each customer’s entry age, premium amount and premium payment term.

Click here for terms and conditions of the Cashback promotion. 

2. Meet an Etiqa Assurance Manager: click here for the full terms & conditions. 

Disclaimer

Terms and conditions apply.

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 2 May 2025. 

Discover other life insurance plans

Up to S$2,500 cashback 

Essential whole life cover by Singtel and Etiqa
Essential whole life cover

Underwritten by Etiqa.

Comprehensive insurance coverage for your entire lifetime

  • Protect against death, total and permanent disability and terminal illness

  • Multiply your coverage up to 400% of your basic sum insured till age 65 or 80

  • Option to use this plan to supplement your retirement income

Up to 53% perpetual discount + up to S$2,500 cashback

Essential term life cover by Singtel and Etiqa
Essential term life cover

Underwritten by Etiqa.

Affordable insurance coverage over your preferred duration

  • Protect against death and terminal illness

  • Be insured for as short as 5 years or till age 100 

  • Increase coverage without proof of good health upon certain key life events

Up to S$300 cashback 

Online term life insurance by Singtel and Etiqa
Online term life insurance

Underwritten by Etiqa.

Simple and fuss-free way to get affordable yet high coverage

  • Protect against death, total and permanent disability and terminal illness, with option for Critical Illness rider

  • Choose from S$50,000 to S$2,000,000 sum insured

  • Be protected for 5 years (renewable), 20 years or up till age 85
© Singtel (CRN: 199201624D) All Rights Reserved.