Life protection
LifeDelight offers life protection up to age 138¹ of the insured. In the unfortunate event of the death of the insured, the death benefit will be payable.

Care 20 Extra Death Benefit
Under the Care 20 Extra Death Benefit, if the death benefit becomes payable within the first 20 policy years, we will pay an additional 35% of the basic sum insured. That way, you can be assured that your loved ones are being taken care of financially.

Guaranteed insurability option
To provide extra peace of mind, while your LifeDelight policy is in effect, you have an option to apply for a new eligible life insurance policy as may be determined by the Company for the insured with no further evidence of health required, provided that you have an insurable interest in the life of the insured (if you are not the insured) and your LifeDelight policy is of standard class.

The sum insured of the new policy can be up to 35% of the basic sum insured of your LifeDelight policy as at the 20th policy anniversary. This option can be exercised within 2 months from the 20th policy anniversary at or before the age of 70 of the insured. All the requirements of the new policy you apply for must be satisfied, except that the insured is not required to provide further evidence of health.

Guaranteed cash value to secure your future
LifeDelight carries a cash value², and such value is guaranteed by the Company. The guaranteed cash value is payable upon policy maturity or policy surrender.

Terminal dividend to boost potential returns
Non-guaranteed terminal dividend may be payable after the policy has been in force for 3 years upon policy maturity, policy surrender or the death of the insured.

Under the terminal dividend lock-in option, within 30 days from each policy anniversary starting from the 25th policy anniversary (if the premium payment term is 10 years) or the 30th policy anniversary (if the premium payment term is 18 years), you may apply³ to transfer up to the Aggregate Maximum Lock-in Rate (which is currently 60%)⁴ of the terminal dividend to your terminal dividend lock-in account. The amount of terminal dividend you apply for such transfer is the Lock-in Amount^5,6.

As a result of the exercise of the terminal dividend lock-in option, the terminal dividend as at the relevant policy year and any terminal dividend which the Company may declare for subsequent policy years will be reduced accordingly, but the basic sum insured will remain unchanged.

Interest may be credited on the value of the terminal dividend lock-in account at an interest rate as may be determined by the Company from time to time at its absolute discretion.

The value of the terminal dividend lock-in account can be withdrawn in a lump sum⁷.

For details of the terminal dividend lock-in option, please refer to the product brochure of LifeDelight.

To allow greater flexibility to you and your loved ones, under the death benefit settlement option, we can pay the death proceeds in a lump sum or by regular instalments at your own choice.

For details of the death benefit settlement option, please refer to the product brochure of LifeDelight.