Cancer cases have been on the rising trend over the years and survival rates for people with cancer have greatly improved as well with advancements in cancer treatments. However, living with cancer and pro-longed treatment might drain our savings and cause loss of income. With China Life Cancer Guardian, it provides you with a peace of mind knowing that you are protected against death1 and the diagnosis of cancer2 at all stages during the policy term and with the 100% payout of sum insured, it allows you to focus on the treatment and recovery during this difficult time.


What’s more, you will be rewarded with No Claim Discount3 in the subsequent renewable year by living in the pink of health.

Key Benefits:

Coverage on cancer of all stages and death up to 100 years old

No Claim Discount

Guaranteed renewable4

Simple and easy application

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1. In the event of death of the life insured while the policy is in force, we will pay a lump sum death benefit of SGD5,000 less amounts owing to us (if any), outstanding premium (if any) and future instalment premiums which are required to make up the full year’s premiums (if any).

2. While the policy is in force and after the waiting period, upon diagnosis of Cancer (all stages) of the life insured, we will pay 100% of the sum insured, less amounts owing to us (if any) and the policy terminates thereafter.

3. From the second renewal year onwards, a no claim discount equivalent to 8% of the total yearly premiums paid for the past 1 year policy term will be applied to the renewal premium, as long as no claims has been made during the past 1 year policy term.

4. This is a yearly renewable plan and the policy term is 1 year. At each renewal, the renewal premium will be based on the prevailing premium rates and the life insured’s age at the time of renewal. Policy will be renewed automatically at the end of policy term for 1 year at the same sum insured without further evidence of insurability as long as all of the following conditions are met:

  1. this policy is in force and there is no outstanding premium immediately before the date on which the renewal takes;
  2. we have received and accepted the renewal premium on the date on which the renewal takes effect; and
  3. the life insured has not reached age 100

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This advertisement is for general circulation only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. The policies and riders mentioned in this advertisement are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy and riders is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at November 2020.