<h1>Insurer launches term plan with whole-life coverage to age 100, flexible payouts, premium options, joint-life and riders</h1> A private life insurer has launched a term plan offering whole-life coverage to age 100 with multiple plan options, accelerated terminal-illness payouts, family-income and flexible death-benefit disbursement (lump sum, instalments or conversion), and an instant interim death payout. Premium flexibility includes deferment (up to 12 months) and varied payment frequencies; select options return premiums after the term or from year 30/age 70. Joint-life options address simultaneous accidental death and terminal-illness acceleration with premium waivers. Optional riders, life-stage top-ups without altering base cover, gender- and status-based premium discounts, and specified health services are also provided.