• Protection

Overview

Whole Life & Term Life Insurance
Critical Illness Insurance

Whole Life and Term Life Plans are popular insurance plans that help to provide income replacement for family or self in the event of pre-mature death or total and permanent disability. These plans help to minimise the financial impact to the family or the individual.

Both plans provide income replacement in different yet complementary ways. For a given amount of insurance coverage, you will usually need to pay a higher premium for a Whole Life Plan because such plan usually participates in the bonuses declared annually by the insurance company and such bonuses increase the value of the policy over time. On the other hand, the coverage and value of policy for Term Life Plan usually remains the same throughout the entire insured period. However, you can purchase both plans at the same time to enjoy better insurance coverage, for cost effectiveness and a greater peace of mind.

Features of Whole Life Insurance Plans:
・Coverage for whole of life
・Choice of premium payment term
・Cash value available
・Option to include Critical Illness/Early Critical Illness coverage

Features of Term Life Insurance Plans:
・Flexible choice of coverage term
・Higher coverage at affordable premium
・Option to include Critical Illness/Early Critical Illness coverage

Critical illness can happen to anyone. Whilst medical technology has improved, so has the cost of medical bills. Getting sufficient coverage for critical illness is important so that you can focus on your recovery and need not to worry over the cost of recovery.

Find out how a Critical Illness Plan can benefit you:
1. For income replacement – as the person may no longer be gainfully employed because of a critical illness.
2. Supplements the cost of changing one’s lifestyle and provides additional financial support during the course of recovery.
3. Provides additional financial resources for items such as additional nursing care, personal assistant and other medical aids.

Features:
・Choose your preferred coverage term and sum assured
・Provides coverage for different stage of critical illness (Early, Immediate & Advance)
・Multiple payouts plans available

Why Livelife?

Life insurance should not be a retailed product sold to you but a fitted solution after you fully understand what is suitable for you and what the benefits are. If you feel uncertain about life insurance, please knock on our door. We won't disappoint you.

Professional consultation with financial planning aided by technology

We strive to maintain the highest level of competency and professionalism to fulfil our promises to our customers. Through our unique consultation-based approach with financial planning tool, you get to visualize your needs and goals in your life. You will be able to get the right protection you need for the various stages of your life.

Unbiased, fully salaried Relationship Manager advice with fair product comparison

Our LiveLife Relationship Managers are not remunerated by commissions. Based on our life planning and financial simulations, we are able to provide clear comparison among several insurers’ products. Hence, you are able to choose the most suitable insurance plan based on our unbiased recommendation.

Customer’s Review

Be the next person to experience with our excellent services.

“He(My advisor) answered my questions patiently and gave me as much time as I needed to make the right decisions.”
–A.W –

“I will definitely recommend LiveLife@Westgate for your insurance needs!”
–K.C –

“I was really surprised when I see an insurance (advise) company in a shopping mall. So convenient!”
–D.W –

FAQ

With the LiveLife Comprehensive Consultation Process, our Relationship Manager will be able to help you to evaluate your life goal and desire, your current and expecting income and expenses, risk appetite and other financial conditions, and recommend solutions that are best suited to your needs and goals.
LiveLife consultation is completely free. LiveLife Relationship Managers are salary-based advisers and do not earn commissions from the sale of insurance product. Together with our LiveLife comprehensive consultation process, they can provide you with the most unbiased advice and recommend solutions that best suit your needs and goals.
From a product perspective, there is no difference. The premium you pay for the insurance plan is the same, the terms of contract is the same and the benefits you enjoy will also be the same. However, our LiveLife Comprehensive Consultation Process, supported by a salary-based sales model, we are in a unique position to help you to derive more value from each recommendation offered to you. We are committed to help you to get the best value for every dollar you put into your insurance plan.
Whether one needs to undergo medical underwriting depends on several conditions, not least the person’s medical history and the current state of medical health. Our Relationship Manager will be able to advise you on the requirement during the consultation. You can check out more information from our Relationship Manager by submitting an enquiry now!
Our LiveLife shop is poised to offer you a unique customer consultation experience. You can enjoy a comfortable and totally confidential consultation journey without the pressure to buy. However, we do understand that travelling to The Livelife shop at Westgate Mall may not be the most convenient at times. We can arrange to meet at our downtown office at 20 Anson Road. Alternatively, if a face to face consultation is not your preferred choice at the moment, our Relationship Managers are most able to arrange the consultation online. You will be rest assured that the consultation process is equally professional, comfortable and confidential as in the face to face process. Please let us know your preference by submitting your enquiry here!

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