To get you started, we’ve identified some main concerns you may have and the types of plans that could be suitable for your needs.

If you are concerned about You may want to consider What does it do? What Singlife offers
Debt management and providing for family when you die

Term plan or whole life plan

Pays out a lump sum of money upon death. In addition, a whole life plan pays out any accumulated savings and bonuses.

Most insurers also offer add-ons called riders, which allow you to build on your protection plan to complement your coverage. This can include benefits such as critical illness, total and permanent disability cover (TPD), or premium waivers.

Singlife Elite Term II

Singlife Whole Life

DIRECT- Singlife Term Life

DIRECT- Singlife Whole Life

Singlife Simple Term

Cost of medical bills

Hospitalisation and surgical plan

Reimburses the cost of hospitalisation, surgical bills, including pre- and post-hospitalisation treatment and catastrophic outpatient treatment like cancer and kidney dialysis.

In Singapore, MediSave-approved Integrated Shield plans are available to enhance your MediShield Life coverage. You may also want to find out about different levels of coverage, as well as co-insurance and deductibles; they determine what plan you need and how much of the bill is borne by you.

Singlife Shield / Singlife Health Plus

The cost of care in case of disability

Long-term care plan

Provides a monthly payout to help offset the cost of long-term care. In Singapore, from age 30, Singaporeans and PRs are eligible for the national CareShield Life scheme.

Premiums can be paid from your MediSave and you can enhance your cover and payout with supplements.

Singlife ElderShield Standard / Singlife ElderShield Plus

Singlife CareShield Standard / Singlife CareShield Plus

Living expenses and debts if you’re unable to work due to critical illness

Critical illness / major illness plan

Pays out a lump sum of money if you’re diagnosed with a critical illness that’s covered under your plan.

Note that different plans may cover different types of critical illnesses and at different stages.

Singlife Multipay Critical IIlness

Singlife Essential Critical Illness

Singlife Comprehensive Critical Illness

Loss of income due to disability

Income protection plan

Provides a monthly payout to replace the income you’ve lost, if disabled or unable to work from accident or illness.

The maximum amount you can insure yourself for is typically capped at 75% of your salary.

Singlife Disability Income

While all these plans provide important and distinct coverage, you may not have to get them all at once. Assess your current and future needs and situation, and start with the plan/s that is/are most crucial for you right now. You can gradually add other plans when you're ready. 


Updated on March 2022

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The content of the blog – LifeStuff is published for general information only and does not have regard to the specific investment objectives, financial situation, and particular needs of any specific person. The objective of this blog is merely for educational purposes and is not intended to serve as legal, tax, investment or accounting advice and nothing contained here shall constitute a distribution, an offer to sell or the solicitation of an offer to buy. Accordingly, no warranty whatsoever is given, and no liability whatsoever will be accepted by Singapore Life Ltd for any loss arising whether directly or indirectly as a result from you acting based on this information.


You may wish to seek advice from a financial adviser representative before making a commitment to purchase the products. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. The polices are protected under the Policy Owners’ Protection Scheme, and administered by the Singapore Deposit Insurance Corporation (SDIC). 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 LIA or SDIC websites ( or