DIRECT - Etiqa term life II
Direct-purchase term life plan with an option to add critical illness cover.
DIRECT - Etiqa term life II is Etiqa's direct-purchase term life option, listed under its life and critical illness protection category. Etiqa states that its direct-purchase insurance options come with life and total permanent disability cover, with an option to cover critical illnesses. The term life version allows coverage from S$50,000 up to S$400,000, subject to eligibility and policy terms. It is most relevant for cost-conscious buyers who want direct access and are comfortable with a simpler DPI-style structure.
Etiqa's appeal is straightforward digital access, Maybank group backing and clear customer care channels. DIRECT - Etiqa term life II is best for people who want basic protection and the option to include critical illness cover without paying intermediary fees. It is not as feature-rich as the top multi-pay plans, and the CI element is an option rather than the whole product, so buyers should check definitions closely before relying on it.
It was selected as a practical direct-purchase option for buyers who want simpler term protection with optional CI cover and lower distribution friction.