Income TermLife Solitaire is a term insurance policy that caught my eye with the option to cover up to age 100 (last birthday). Coverage sum assured starts from $500k upwards and you can gain access to NTUC Income’s Solitaire Club’s range of privileges.

There are riders you can add to the plan to enhance the benefits. Since Total Permanent Disability (TPD) is not inbuilt in the basic policy, you can consider the Disability Accelerator rider which will accelerate the coverage sum assured upon the event. Disability Accelerator rider coverage is up to age 70.

Other riders that can be added include:

1. Total Protect – receive the sum assured for this rider upon diagnosis of early, intermediate or advanced stage specified dread diseases (except angioplasty and other invasive treatment for coronary artery) during the term of the rider.
2. Hospital CashAid – provides payouts in the event of hospitalization, to help reduce your out-of-pocket expenses. With the Major Impact Benefit, you will also be covered against future unknown diseases or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an Intensive Care Unit (ICU) for 5 days or more at a go.
3. Payor Premium Waiver – no need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider. (only applicable if the insured is not the policyholder)
4. Enhanced Payor Premium Waiver – no need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally and permanently disabled (TPD before age 70), are diagnosed with terminal illness or dread disease during the term of the rider. (only applicable if the insured is not the policyholder)
5. Dread Disease Premium Waiver – not need to make future premium payments for your basic policy if you are diagnosed with dread disease (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.