• Payor Benefit

    As the financial pillar of the family, should unexpected and tragic circumstances happen to you that interrupt your premium payment ability due to loss of working ability and income, the insurance protection for you and your children could be affected. To prepare for the worst, you can attach Well Link Life's Payor Benefit to your basic plan for extra protection by waiving the premiums falling due when unfortunate events happened.

    Payor Benefit

    Premiums of basic plan and any additional supplementary benefits attached falling due will be waived in the unfortunate event of the payor's death or if the payer sustains total disability for 183 consecutive days or more, until the Life Insured of the basic plan reaches age 25 or the payor reaches age 65; or the end of the premium payment period or of the basic plan or termination of the total disability, whichever is earlier.

    Premiums of basic plan and any additional supplementary benefits attached falling due will be waived in the unfortunate event of the payor's death or if the payer sustains total disability for 183 consecutive days or more, until the Life Insured of the basic plan reaches age 25 or the payor reaches age 65; or the end of the premium payment period or of the basic plan or termination of the total disability, whichever is earlier.

    Total Disability

    Total disability means complete working incapacity of the Policyowner/ Life Insured resulting from injury or Sickness which occurs or manifests after the effective date of these Supplementary Benefits:

    1. During the first two years of disability, to engage in any work, occupation or profession for which he is reasonably suited by education, training or experience to earn or to obtain any wages, compensation or profit; and
    2. Beyond the first two years of disability, to engage in any work, occupation or profession to earn or to obtain any wages, compensation or profit.


    The occurrence of any of the following shall also be considered as 'Total Disability':

    1. Permanent loss of sight of both eyes; or
    2. Loss of two limbs or the permanent total loss of use of two limbs; or
    3. (a) Permanent loss of sight of one eye; and
    4. (a) Permanent loss of sight of one eye; and
      (b) Loss of one limb or the permanent total loss of use of one limb.


    Total disability means complete working incapacity of the Policyowner/ Life Insured resulting from injury or Sickness which occurs or manifests after the effective date of these Supplementary Benefits:

    1. During the first two years of disability, to engage in any work, occupation or profession for which he is reasonably suited by education, training or experience to earn or to obtain any wages, compensation or profit; and
    2. Beyond the first two years of disability, to engage in any work, occupation or profession to earn or to obtain any wages, compensation or profit.


    The occurrence of any of the following shall also be considered as 'Total Disability':

    1. Permanent loss of sight of both eyes; or
    2. Loss of two limbs or the permanent total loss of use of two limbs; or
    3. (a) Permanent loss of sight of one eye; and
    4. (a) Permanent loss of sight of one eye; and
      (b) Loss of one limb or the permanent total loss of use of one limb.



    Payor Benefit

    Product type:

    Supplementary Benefit

    Issue age:

    For insured: age 0 (15 days) to age 17

    For Payor: age 18 to age 55

    Policy currency:

    Same as the basic plan

    Premium payment term and benefit term:

    Until age 25 of the Life Insured under the basic plan or until age 65 of the Payor, whichever is earlier

    Premium structure:

    Based on the issue age, gender and payment term

    Premium payment mode:

    Same as the basic plan

    Note:

    1. This plan is underwritten by Well Link Life Insurance Company Limited.

    2. The above content contains general information for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage and exact terms and conditions.

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