DIRECT - Singlife Whole Life | Affordable Life Insurance | Singlife Singapore

Direct - Singlife Whole Life

(Previously known as DIRECT - Whole Life Assurance)
An attractively affordable life insurance plan that gives you up to S$200,000 coverage – and you can purchase it all on your own

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Take charge of your protection needs

With DIRECT – Singlife Whole Life, you get value-for-money protection.  It covers you for up to S$200,000 if you die, become terminally ill or suffer from total and permanent disability1 and you can purchase it all on your own. It’s that straightforward!



Pick your coverage amount

Get what you need. Choose from as low as S$50,000 to S$200,0002 sum assured. 


Pick your protection period

Covers death and Terminal Illness for your whole life; and Total and Permanent Disability up to age 65.



Potential bonuses

You enjoy protection while your plan accumulates cash value and potential bonuses4.


Suit your budgeting needs

You can choose to pay premiums till age 70 or 85.


Level premiums

Premiums stay the same throughout the premium payment period, starting from S$4.13/day6 for S$200,000 sum assured.


Critical illness cover

This optional rider7 gives a lump-sum payout if you're diagnosed with any of the 30 covered critical illnesses8. Coverage is for life.

Click here to learn more about what is Direct Purchase Insurance (DPI) and how it works.

How to purchase this plan

As long as you reside in Singapore9 and you're aged 19 to 6510, you can apply for coverage.  Understand the plan, eligibility criteria and other important details11 before you apply.


  • 01

    Choose a Direct Purchase Insurance plan based on your needs.
    Call or email our Customer Service Executives for premium rates and other details.

  • 02

    Complete the required forms found at

  • 03

    Visit our Customer Service Centre to submit your completed forms and necessary documents:

    4 Shenton Way

    #01-01 SGX Centre 2

    Singapore 068807

Important Notes


All ages mentioned refer to age next birthday.


  1. Terminal Illness Benefit and Total and Permanent Disability Benefit are early payouts of the Death Benefit. Please refer to the Product Summary for more details.

  2. Direct Purchase Insurance (DPI) coverage limit per person per insurer: Maximum Sum Assured of S$400,000 for DPI term life coverage, inclusive of a maximum Sum Assured of S$200,000 for DPI whole life coverage.

  3. Upon renewal of a 5-year renewable term policy, the Life Assured will be insured for the same Sum Assured as before the renewal date and for the same policy term. Premiums will be adjusted based on the age of the Life Assured at renewal and a notice will be mailed to notify you of the new premium payable. The maximum age to renew DIRECT – Singlife Term Life is 80, and the coverage will be up to age 85. The renewal is also applicable to DIRECT – Singlife Critical Illness (Term Life), if attached to the basic policy at inception. The renewal of the basic policy and rider is subject to the policy terms and conditions. Please refer to the Product Summary for more details.

  4. Potential bonuses are made up of Reversionary Bonus and Terminal Bonus. The Reversionary Bonus and Terminal Bonus are non-guaranteed and depend on the performance of Singapore Life Ltd.’s Participating Fund. The Reversionary Bonus will form part of the guaranteed benefit of the policy once it is declared and vested. Please refer to the Product Summary for more details.

  5. The premium of S$0.32 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses a 5-year renewable DIRECT – Singlife Term Life coverage, with Sum Assured of S$400,000 and pays premiums on an annual basis. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.

  6. The premium of S$4.13 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses DIRECT – Singlife Whole Life, with Sum Assured of S$200,000 and pays premiums on an annual basis till age 85. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.

  7. The premium rate for the rider is non-guaranteed and may be adjusted based on future claims experience.

  8. The Critical Illness Benefit covered in the optional rider accelerates the Death Benefit of the policy to which it is attached. For more details on the benefit, including the list of critical illnesses covered, the waiting period and the exclusions, please refer to the Product Summary of the rider.

  9. The eligibility criteria is subject to terms and conditions.

  10. Depending on the coverage period or premium payment period. Please refer to the Product Summary for more details.

  11. Before you choose a plan, please read the needs and affordability assessment guide. For product information and Insurance Guides, please refer to Product Summary, Your Guide To Life Insurance, Your Guide To Health Information, Direct Purchase Insurance Fact Sheet and Checklist, Frequently Asked Questions, Terms and Conditions, Infographic “Moratorium on Genetic Testing and Insurance”


These policies are underwritten by Singapore Life Ltd.

This is for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. Product Summaries for Direct Purchase Insurance (DPI) may be obtained from Singapore Life Ltd. and at As DPIs are sold without financial advice, you should make sure you have carefully assessed your insurance needs as well as whether you can afford the premiums for the duration of the policy. You should also read the Product Summary, Policy Illustration, DPI Fact Sheet and Checklist, and all related information available on to understand the features of the product and assess whether the product you have chosen is appropriate to your financial needs and insurance objectives. If you are unsure if DPI is suitable for you, you may wish to seek advice from a Financial Adviser Representative who may be able to advise you on a suitable product.

As buying a life insurance product, including a DPI Whole Life, is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. As the DPI Term Life has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs.

This is not a contract of insurance. Full details of the standard terms and conditions of these policies can be found in the relevant policy contracts. Information is accurate as of August 2022.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 Singapore Life Ltd. or visit the Life Insurance Association or SDIC websites ( or