1 in 2 people regret their first insurance as it did not meet their needs adequately and they did not understand the policy.


Protect financial impact due to health incidences first:

Insurance shouldn’t be complicated. These are our recommendations to start:


Next, create the financial safety net for your loved ones should death or total permanent disability occur:


So, how much does it cost?

Taking John as an example:

He is 20 years old, non-smoker, decided to purchase term coverage to protect him and his family from unexpected events.

It will cost about S$25.121 per month for coverage of S$300,000 for Death, Total and Permanent Disability and Terminal Illness2. Additionally he also added a rider to waive premiums in the event he is diagnosed with any of the covered critical illnesses3.

Figures used are for illustrative purpose only and are rounded to the nearest dollar.


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1 This premium amount is calculated based on a male non-smoker age 20 with coverage of S$300,000 for a policy term of 40 years, inclusive of an add-on rider for Critical Illness Premium Waiver. 
2 Terminal Illness (TI) is defined as an illness, which in the opinion of a medical examiner and on agreement of our appointed medical examiner, is likely to lead to death within 12 months from the date of diagnosis. In the event of TI during the policy term, the Death Benefit will be advanced in a lump sum.
3 Terms and conditions apply. Please refer to the product Sample Policy Contract for the list of critical illnesses covered.

In Collaboration with Manulife

TermProtect and eCriticalCare are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS"). This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC.

Information is correct as at 04 June 2021.

This is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial situation and particular needs. You should seek advice from a financial adviser and obtain the Product Summary to read before deciding whether the product suits you. For more information, please refer to DBS Insurance Important Notes.

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