Last Updated on by Tree of Wealth
Replacing the Whole Life Par Plan that is Star Assure, Star Secure is the new whole life insurance coverage plan from NTUC Income and is a regular premium participating policy (with cash value). The plan covers early to advance stage critical illness (CI) coverage, death and TPD as well as premium waiver riders. There is also a compulsory Protection Benefit rider which covers for Retrenchment Benefit, Family Waiver Benefit as well as Accidental Death.
Lets read on and find out the features of the new whole life insurance plan from NTUC Income
NTUC Income Star Secure Product Features and Benefits
1. 142 Total Conditions
Ranging from early to intermediate to advance stage Critical Illness (CI) and special (up to age 85), mental (up to age 75) and juvenile (up to age 21) conditions.
2. Early Secure Accelerator Rider
While most insurer’s Early Critical Illness (CI) rider covers early, intermediate and advance stage CI, Income’s Early Secure Accelerator rider covers only early and intermediate stages. A separate Advanced Secure Accelerator rider is needed to cover for advance stages.
There is however the Advanced Restoration Benefit which offers additional protection covering advance stage of stroke, cancer and heart attack, after paying out for early or intermediate stage claim.
That means this claim can only be made after a successful claim payout for early and intermediate stage critical illness.
Specified Advanced stage CIs are:
Event | Extra coverage – Advanced Restoration Benefit |
|
Coverage before the anniversary immediately after the insured reaches age of 70 |
50% of the rider’s minimum protection value | |
Coverage on or after the anniversary immediately after the insured reaches age of 70 | |
50% of the rider’s sum assured |
Source: NTUC Income
When claim event happens | Benefit |
Before the anniversary immediately after the insured reaches the age of 70 | 50% of the rider’s minimum protection value |
On or after the anniversary immediately after the insured reaches the age of 70 | 50% of the rider’s sum assured |
Source: NTUC Income
3. Advanced Secure Accelerator Rider
Aside for covering 49 Advance stage CI, the rider covers for future unknown diseases or serious infections with Major Impact Benefit, which is first in Singapore.
So, what is “Future Unknown Disease or Serious infections?”
“The future unknown diseases or serious infections referred to above means an event leading to a surgery or an infection, which requires a stay in an Intensive care unit (ICU) for 5 days or more in one hospital admission, claimable under the major impact benefit.” – Source: NTUC Income

Before the 85 years old, be protected in the event if surgery is required or suffer from an infection and required to stay in ICU for a total of 5 or more days consecutively in one hospital stay.
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StarSecure Major Impact Benefit
Event | Coverage before the anniversary immediately after the insured reaches age of 70 |
|
Higher of 50% of the rider’s sum assured plus pro-rated bonuses of the basic policy; or 50% of the rider’s minimum protection value |
Coverage on or after anniversary immediately after the insured reaches age of 70 | |
50% of the rider’s sum assured plus pro-rated bonuses of the basic policy |
Source: NTUC
4. Multiplier
Up to 5 times of basic sum assured. Option to choose not to apply multiplier is advantageous if you would like to keep your coverage amount/ cash value constant.
Event | Coverage before the anniversary immediately after the insured reaches age of 70 | |||||
|
Higher of sum assured plus bonuses or Minimum Protection Value
|
|||||
Event | Coverage on or after the anniversary immediately after the insured reaches age of 70 | |||||
|
Sum assured plus bonuses |
Source: NTUC
5. Premium term
Option to choose from a wide range of 5, 10, 15, 20, 25 & 30 years or until 64 years old.
6. Accidental Death
Includes up to additional 200% of sum assured. Coverage for this is until age 70.
7. Retrenchment Premium Waiver Benefit
6 months of premiums can be waived in the event of retrenchment for not able to find a job for 3 months consecutively.
8. Coverage
Protection includes death, terminal illness and total & permanent disability (TPD until age 70) as well as critical illness from early to advance stage.
9. Other Riders Available:
Dread Disease Premium Waiver
Any future premiums will be waived upon Advance Stage CI (not including angioplasty and other invasive treatment for coronary artery as they are considered as conditions under Special Conditions).
Enhanced Payor Premium Waiver
Any future premiums will be waived in the event of death or TPD (Total Permanent Disability) as well as Advance Stage CI (not including angioplasty and other invasive treatment for coronary artery as they are considered as conditions under Special Conditions).
This is specially for 3rd party payor where the life insured cannot be the policy owner.
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Hospital Cash Aid
An add on to your Hospital Shield plan, this rider protects up to 85 years old for future unknown disease and receive daily hospital cash benefits.

What We Like About
Advanced Restoration Benefit (Feature in Early Secure Accelerator Rider)
Additional protection covering advance stage of stroke, cancer and heart attack, after paying out for early or intermediate stage claim
Major Impact Benefit (Feature in Advanced Secure Accelerator)
Additional pay out for surgery and ICU stay due to future unknown diseases or serious infections.
Family Waiver Benefit (Under main plan as a feature, not additional optional rider)
Remaining premiums will be waived together with a lump sum payout (equivalent to premiums of 24 months of basic plan and it’s attached riders) in the event of death, terminal illness and total permanent disability (TPD) of life insured’s family member.
Coverage for your spouse, your future premiums for your basic policy and riders will be waived | Coverage for either one of the child’s parents, future premiums for the child’s basic policy and riders will be waived |
+ A lump sum of 24 months’ premium based on the basic policy and any rider (s) attached will also be paid |
Source: NTUC Income
Interested to learn more?
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Special and Juvenile Benefits
While insurers typically pays out 20% of sum assured, the benefit pays 30% of the sum assured. They are additional and will not reduce the sum assured.
Aside for 10 special benefits, there are also mental benefits covered for.
The 10 special benefits covered under this benefit are:
Before the insured reaches the age of 85
Special Benefit |
1 Diabetic Complications |
2 Severe Osteoporosis |
3 Severe Rheumatoid Arthritis |
4 Dengue Hemorrhagic Fever |
5 Crohn’s disease |
6 Ulcerative Colitis |
7 Breast Reconstructive Surgery following a Mastectomy |
8 Pheochromocytoma |
9 Zika |
10 Chikungunya Fever |
Before the insured reaches the age of 75
Mental Benefit |
11 Major Depressive Disorder |
12 Schizophrenia |
13 Bipolar Disorder |
14 Obsessive Compulsive Disorder |
15 Tourette Syndrome (before age 21) |
The 15 Juvenile Benefits covered under this benefit are:
Juvenile Benefit |
1. Osteogenesis Imperfecta |
2. Severe Haemophilia |
3. Insulin Dependent Diabetes Mellitus |
4. Kawasaki Disease |
5. Rheumatic Fever with Valvular Impairment |
6. Type I Juvenile Spinal Amyotrophy |
7. Wilson’s Disease |
8. Systemic Juvenile Rheumatoid Arthritis |
9. Intellectual Impairment due to Sickness or Injury |
10. Glomerulonephritis with Nephrotic Syndrome |
11. Sanfillipo Syndrome |
12. Bile Acid Synthesis Disorder |
13. Pyruvate Dehydrogenase Complex Deficiency |
14. Antley Bixler Syndrome |
15. Beta Thalassemia Major |
How NTUC Income Star Secure Works
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Premium Comparison
Premium Term | 25 years |
Death & Early CI Coverage | Whole Life |
TPD Coverage | Whole Life |
Basic Sum Assured | $125,000.00 |
Early CI Sum Assured (142 CI) | $115,000.00 |
Advance Critical Illness (49 CIs only) | $125,000.00 |
Multiplier Up Till | Age 70 |
Multiplier | x2 |
Death/TPD/Terminal Illness (Before Multiplier Ends) | $250,000.00 |
Early to Advance 142 total CI (Before Multiplier Ends) | $250,000.00 |
Advance Critical Illness (49 CIs only) (Before Multiplier Ends) | $230,000.00 |
Death/TPD/Terminal Illness (After Age 70) | $125, 000 + Yield and Bonus |
Early to Advance 142 total CI (After Age 70) | $115, 000 + Yield and Bonus |
Advance Critical Illness (49 CIs only) (After Age 70) | $125, 000 + Yield and Bonus |
Interested to learn more?
Fill in the form below and we will get back to you!
Male, 35yo | Female, 35yo | Male, 30yo | Female, 30yo | Male, 25yo | Female, 25yo | |
Star Secure | 2,769.10 | 2,783.55 | 2,451.85 | 2,408.60 | 2,148.95 | 2,076.85 |
Advance Secure Accelerator | 899.95 | 966.30 | 822.10 | 833.60 | 762.95 | 770.15 |
Early Secure Accelerator | 928.80 | 965.95 | 839.90 | 907.60 | 776.20 | 845.20 |
Annual Premium | 4,597.85 | 4,715.80 | 4,113.85 | 4,149.80 | 3,688.10 | 3,692.20 |
The NTUC Income Star Secure is Suitable if You:
- Flexible Premium Terms
- No fluctuation on premiums
- Whole life protection with cash values
- Flexibility to choose the level of protection
- Comprehensive coverage that includes Death, TPD, TI and accidental death
- Assurance of future premiums with family waiver benefit
- Customise their protection need with optional riders to enhance coverage
- Early CI up to $350k
- Payout for CI across all stages including Early to intermediate to advance stage for a low premium
Interested to learn more?
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It would however be less suitable if you would like:
- High returns of more than 10%
- Immediate Break Even on Capital
- Prefer Guaranteed Life Income as well as guarantee on capital of total premiums paid at the end of the selected Accumulation period
- Want a steady stream of guaranteed income (coupled with non guaranteed bonuses)
- Ease of application, no medical underwriting
NTUC Income Star Secure Review Conclusion
As with all whole life insurance plans, the suitability of this plan for you will largely depend on your needs and expectations. There are many whole life insurance plans in the market with many strong Insurers. Which one suits you the most?
To find the most suitable coverage, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. Based on your needs, a custom made solution will be adjusted only addressing your concerns.
No obligations, no hidden fees. All advice are of no charges.