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My Term Assurance
Death by Any Cause




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Why do we ask for Education Level and Income?

Our quotation engine requires information about a person’s age, gender, nationality, residence and smoking status to produce a basic quotation. We also ask for information about education and income as a means of determining the fairest pricing for every applicant, as higher levels of education and income may result in a discount to a person’s nationality or residence pricing. (Note that this will never result in a higher premium)


The education levels are as follows:

  1. Incomplete primary and secondary school education
  2. Completed primary and secondary school education
  3. Completed all school education and attended at least 2 years’ tertiary education at a college or university
  4. Completed all school education and attended at least 4 years’ tertiary education at a college or university
  5. Completed all school education and attended at least 6 years’ tertiary education at a college or university, or is recognised by a professional or education body as a Doctor or Professor


What counts as income?

You may include your Annual Average Income from all sources for the purpose of quoting. This means your employment income should be combined with any other regular income such as rent received or investment income, as long as you receive this other income each year.


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Optional Rider


This is an additional benefit which pays out an amount equal to 50% of the Death Benefit Sum Assured if death is as a direct result of an accident. Please refer to our Terms and Conditions and Policy Guide for full details of this benefit.