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China Life Term Guardian is a regular premium term plan which provides you with financial protection in the event of death1 and terminal illness2 as well as total and permanent disability3. You can choose the duration of your coverage - 5 years, 20 years or up to age 64, according to your needs. What’s more, you can also add riders to your term plan for greater peace of mind.

Key Benefits:

Affordable Financial Protection for Death1, Terminal Illness2 and Total and Permanent Disability3

Guaranteed and Level Premium Rates4

Choice of 3 Policy Terms

Add our riders to your basic plan for greater peace of mind

Policy Term Description
5-year renewable term5 Renewable at the end of each 5-year policy term for another 5 years, for coverage up to age 84, subject to maximum renewable age of age 79.
20-year term 20 years
Term up to age 64
(last birthday)
Up to age 64
Distributed By:
Our Financial Advisers Partners:
Footnotes:

1. Upon the death of the life insured while the policy is in force, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter.

2. If the life insured is diagnosed with a terminal illness while the policy is in force, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter.

3. If the life insured is diagnosed with TPD before the life insured’s 65th birthday, we will pay the sum insured less amounts owing to us (if any) and the policy terminates thereafter. The TPD benefit payable is subject to the TPD per life limit of SGD3,000,000 as aggregated with other policies and riders issued by us on the same life insured.

4. For the 5-year renewable term policy, the premium is level and guaranteed throughout the duration of each 5-year policy term. The renewal premium at each renewal is not guaranteed, and will be worked out based on the prevailing premium rates and the life insured’s age at the time of renewal.

5. This plan will be renewed automatically from the renewal date for the same policy term without further evidence of insurability, so long as all of the following conditions are met:

  1. the policy is in force and there is no outstanding premium immediately before the date on which the renewal takes effect;
  2. we have received and accepted the renewal premium on the date on which the renewal takes effect;
  3. the life insured has not attained age 80; and
  4. no claim has been made on or admitted under the policy.
Note :

Buying a life insurance policy is a long-term commitment. As this policy does not have any savings or investment feature, it has no cash value. This advertisement is for general circulation only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. The policy mentioned in this advertisement 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 us or visit the Life Insurance Association, Singapore 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 July 2020.