• Flexibility to choose protection level upto 500% of the sum assured depending on your needs¹
• Premium Waived upon retrenchment²
• Reduce your financial burden should the unfortunate happen to your family member with Family Waiver Benefit³
• Option to add Advance Life accelerator Rider and Early Life accelerator Rider for coverage against dread and future unknown diseases and medical conditions⁴

Important Notes

¹Minimum protection value means a percentage of the sum assured shown in the policy schedule. The minimum protection value is applicable before the anniversary immediately after the insured reaches the age of 75 or age of 80. The applicable age will be based on the option selected by you as shown in the policy schedule. You cannot change the minimum protection value and its applicable age which you chose at the start of the policy. Star Secure Pro includes a non-participating compulsory rider, Star Secure Pro – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details

²You must have paid at least 6 months’ premiums, your retrenchment must have taken place no earlier than 6 months after the cover start date and you have not been able to find employment for three months in a row after being retrenched. Only premiums on the basic policy and Star Secure Pro – Protection Benefit compulsory rider (excluding any riders attached) will be waived up to 6 months. This benefit can only be claimed once. Please refer to the policy contract for further details.

³The family member means any of the following when you make a claim on the Family Waiver Benefit:

- Your legal spouse if you are the insured;

- You if the insured is your legal spouse; or

- The insured’s legal or natural parents if the insured is a juvenile

The benefit will not apply if the family member becomes totally and permanently disabled, becomes terminally ill or dies from any condition of the family member that is diagnosed, treated, for which a registered medical practitioner was consulted or for which the existence or onset of signs or symptoms of any illness or disease were present, before or within 2 years from the cover start date or registration of marriage date, whichever is later. This benefit is payable if the family member is of age 64 or younger, at the time we issue the policy. The Family Waiver Benefit can only be claimed once.

⁴Any payment under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery we will pay higher of 10% of this rider’s sum assured and corresponding pro-rated bonuses of the basic policy or 10% of the rider’s minimum protection value (when MPV applies), subject to a S$25,000 (not including bonus). Please refer to the policy conditions for further details.

Any payment made for early and intermediate stage dread disease benefit under this rider will form an accelerated payment, and reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders by the same amount that we pay under this rider. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy conditions for further details. We will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured).If you are successful in claiming the early and intermediate stage dread disease benefit, we will not pay future claims on Special and Mental Benefit, and Juvenile Benefit. You will stop making premium payments on this rider. The rider will continue to apply for the Advanced Restoration Benefit and Special Therapy Benefit during this period even though you are not paying the premiums.

 The terms and conditions above are not exhaustive. Please refer to the Product Summary for more details

Disclaimer

This plan is underwritten by Income Insurance and acceptance of the proposal is subject to underwriting. Buying a life insurance is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

This document is published for information and general circulation only and does not take into account the specific investment objectives, financial situation and particular needs of any specific person. Investors may wish to seek advice from a financial adviser before making a commitment to purchase the insurance product. In the event that an investor chooses not to seek advice from a financial

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by SBI and it should not be relied upon as such. SBI shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Information is correct as of 01 Sep 2022