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Understanding Different Types Of Life Insurance – If something unfortunate happened to you today, would you and your family have enough resources to overcome it and get back on your feet?
Insurance agents always seem to say, “You’re insured,” but have you ever stopped to think if this could be true?
Understanding Different Types Of Life Insurance
In this article, I would like to provide an overview of 15 types of insurance in Singapore and their benefits.
Types Of Life Insurance Policies Stock Illustration
In general, Life insurance policies are there to provide income protection when your regular income-earning capacity is impaired.
The four main life insurance policies I will cover here are term insurance; whole life insurance; Separate critical illness plans and disability income insurance.
Term insurance covers death and illness for a specified period of time at a specified premium.
In most cases, Total and Permanent Disability (TPD); Riders can be added to cover Critical Illness (CI) and Immediate Critical Illness (ECI).
Single Life Vs Joint Life Policies
A lump sum payment is payable to the insured or his or her family in case of these untoward events.
One of the major advantages of term plans is their affordability as they offer high coverage for low premiums.
Plus, the premium usually doesn’t increase over time, and the policy can cover the most important years of your life – usually ages 65 to 70.
However, there is no monetary value. This means that once the policy expires, the policy expires and you cannot get paid.
Understanding Different Types Of Life Insurance
This is different from term insurance policies which only cover a certain period of time. This may be particularly relevant in the face of rising life expectancy.
Another benefit that makes whole life insurance popular is the “cash value” feature, which allows you to surrender the policy for a lump sum payment. The longer the policy, the The higher the payout.
The only caveat is that a quick surrender may result in paying less than the premium you paid, so you should keep it for a long time.
These plans focus more on critical illness coverage, including early stages. In accordance with the rules and regulations. The insurer has the ability to make multiple claims.
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With the relatively high risk of a serious illness like cancer and the cost of treating it, Such programs can be beneficial.
Disability income (DI) insurance is usually designed to replace a percentage of the insured’s gross income, but this can vary from provider to provider.
Health insurance is meant to cover unexpected medical expenses that are very expensive.
It is administered by the Central Provident Fund (CPF) Board and aims to provide basic insurance for hospital bills and selected outpatient treatment.
What Type Of Life Insurance Is Right For You?
However, it is only a basic safety net and has limitations to its coverage. for example, Adjusted to cover B2/C wards. It also does not cover pre-hospital and post-hospital charges.
Private hospital expenses; It aims to provide more comprehensive pre- and post-hospital care and higher claim limits.
Depending on your needs, you can upgrade the “base” and add a “rider” with additional benefits. Pictured below is MediShield Life, It shows how an upgrade to a basic combined coverage plan and a Rider can work together to give you complete health care coverage.
Extended health insurance is long-term care insurance. It is intended to be paid monthly in the case of severe disability, which often occurs in the elderly.
Non Life Insurance Policy
Apart from MediShield Life, Singaporeans are automatically enrolled in the ElderShield insurance plan at age 40.
According to this plan, Individuals who are unable to perform at least 3 out of 3 activities of living (ADL) are eligible for monthly payments.
This is a replacement for ElderShield. now, Instead of enrolling in the ElderShield scheme at age 40, Singaporeans automatically enroll in CareShield Life once they turn 30.
Like ElderShield, Singaporeans are eligible for payments if they are assessed as unable to perform at least 3 out of 6 ADLs.
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However, It is intended to provide basic coverage only and may not be fully sufficient for your needs.
Therefore, You have the option to upgrade your CPF with supplements payable by MediSave.
In addition to income protection, insurance policies help you grow your wealth without giving it away. As mentioned above, there are several types of wealth accumulation insurance plans that you can consider, including minimum coverage for income protection and medical expenses.
Keeping your money in the bank isn’t enough to fight inflation, so low interest rates aren’t the best option. This means that over time your savings will actually depreciate in value and you will be able to draw less of that money.
Term Vs. Whole Life Insurance: What’s The Difference?
Endowment plans are a better way to meet your goals, such as your children’s education expenses or retirement.
The downside is low liquidity – grant schemes may not allow funds to be withdrawn before the fixed term expires. It forces you to save for the future and can be pro in terms of lack of flexibility.
Retirement is an inevitable stage of life. Planning for your retirement will ensure you are comfortable.
Although CPF LIFE provides monthly payments from age 65, This is not enough, especially if you want to maintain a comfortable lifestyle.
Types Of Life Insurance
In a retirement plan, you set aside a fixed monthly/annual amount that you have to put into the plan for a specific period of time. 10 depending on the policy you choose, depending on the retirement age you choose. You can have a regular income stream for 15 or 20 years.
The total potential return you can expect from such a plan is savings accounts, It can be higher than fixed deposits and their equivalents.
(Compare the best SRS annuity plans and the best retirement plans in Singapore.)
Another option is investing. stocks, In addition to investing directly in ETFs and other securities yourself, you can choose investment insurance policies that have life insurance coverage and investment components.
Types Of Insurance Policies You Should Buy At Young Age
One of the benefits of Investment Linked Insurance (ILP) is flexibility in your funds as per your investment needs and risk profile.
There is a Chinese saying, “When you pass, you can’t take the money.” Most of us want to leave something good for our family. Inheritance planning allows you to leave your family happy during difficult times of support.
However, This goes a step further to cover you up to age 99, which is much higher than the average life expectancy. This means that a claim is more likely to occur.
The downside is that these plans come with a higher premium compared to regular insurance that covers up to 65 years of age.
What Are The Different Types Of Life Insurance?
At some point in your life, you may find yourself earning more than you need and want to leave for your next generation.
You can choose to roll into single premium whole life insurance, which provides coverage for your entire life (typically up to age 100) and saves your family a larger payout after you pass.
This type of insurance is similar to regular whole life insurance except that you pay the premium in a lump sum initially. By doing so, You will enjoy higher insurance coverage and a greater benefit on your death benefit. This creates a larger estate for your inheritance.
A succession plan can span more than one generation. If you want to leave assets to your grandchildren; You can consider 3 generation lifetime income plans.
Whole Life Insurance Policy
The way it works is to provide monthly income to meet your retirement needs. Once you are successful, you can give your child a monthly income. The policy can also pay out to your grandchild when your child dies.
Universal Life (UL) insurance plan covers both life insurance and savings/investment. Unlike whole life insurance plans, It is very flexible. However, life insurance usually only covers death.
A conventional UL provides repayment based on the quoted loan rate. UL variable returns are entirely based on the returns of the selected investment or funds. Finally, the index UL is a combination of the above.
As a bonus, Here are some other insurance policies available in the market. You may want to consider getting additional coverage to protect your assets, such as your home and car. or, Some of these insurance policies may apply to you.
Life Insurance With Pre Existing Condition
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