Jane Doe, age 25(ANB), non-smoker is has recently entered the workforce and wants financial protection that pays her a lump sum benefit in the event of critical illness to ensure that she won’t have to touch her personal savings for future living expenses.
She buys Singlife Multipay Critical Illness with a Sum Assured of S$100,000 and chooses to cover her prime years for a period of 40 years. She pays $959 per year.
Jane Doe is dianosed with a benign tumour at her left breast (suspected malignacy) and require surgical excision.
She receives 20% of her sum assured.
Jane Doe is dianosed with early cancers.
She receives 100% sum assured as early CL.
Jane Doe is diagnosed with Major Cancer. She exercises the Advance care option.
She receives 300% of sum assured, and do not have to pay for future premiums.
Jane Doe suffers Heart Attack of Specified Severity.
She receives 300% of sum assured, and do not have to pay for future premiums.

As you can see in the example, Jane Doe has paid a total premium of $28,770 from 25 (ANB) to 55 (ANB). She had received a total payout of $720,000 (720% of sum assured) during her ordeal as income replacement to ease her living expenses.
Why this product may be unsuitable for you:
- Low death benefit of $5000 as a standalone plan. Of course, there is also an option to add My Multipay Critical illness plan IV as a rider to a main term plan to increase death benefit.
- No cash value
- Premiums are payable throughout the policy term (when applicable)