Important Note

At Singapore Life Pte. Ltd. (“Singapore Life”), we believe that technology offers an improved solution to the consuming and confusing process of buying life insurance. Our goal is to pioneer an entirely new way that is easier, faster and just plain better. The Singapore Life website and its features are designed for use by Singapore residents who are at least 18 years of age and have otherwise reached the age of majority in his/her country. By accessing the Singapore Life website and its features, you represent and warrant that you have the right, authority, English literate and capacity to enter into these Terms of Use and that you meet all eligibility requirements. By accessing this website, you agree to be bound to these Terms of Use and our Data Protection Policy. If you do not agree to these Terms of Use and the Data Protection Policy, you should not access or use the website.  
Permissible Use of Materials
The Singapore Life website and its contents are protected by copyright, trademark, and other intellectual property laws of Singapore. You can use the Singapore Life website for your personal, non-commercial use only. Any copies of information from the website that you use for permissible purposes must retain all copyright and other proprietary notices contained on the materials. Any use of content from our website is expressly prohibited without our prior written permission. You can request permission by contacting us at [email protected]. You may not use our material from our website, in a way that creates an impression of an affiliation, relationship or endorsement between us and any other party.  
Third Party Content
This website provides links to other websites which are not controlled by us. Those links are provided for your own convenience only and we are not responsible for their use, effect or content. We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access such websites at your own risk.  
Limitation of Liability
Singapore Life, employees, officers and all other relevant third parties vendors, partners and distributors will not be liable for any actual, direct, indirect, incidental, consequential, special, exemplary, punitive or other damages, including loss of revenue or income, loss of principal, pain and suffering, emotional distress, or similar damages that result from the use of or the inability to use, the content on this site, even if Singapore Life or representative authorised by Singapore life has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.  
No Financial, Legal and Tax Advice
The Material on this website is of a general nature and for information only and is not intended to be financial advice or an offer or solicitation to sell any product or service. The Material and information does not take into account your particular investment objectives, financial situation and needs, legal, tax or accounting advice. Accordingly, you should assess whether the Material is appropriate in the light of your individual circumstances, and/or the individual circumstances of your employee or any person you are acting for, before acting or advising on the Material. If you are a policyholder, we recommend that you discuss any specific matters with your financial adviser prior to making any decisions. The information provided on this website is not written or intended as specific tax or legal advice, and may not be relied on for purposes of avoiding any federal tax penalties. Singapore Life, its employees and partners, are not authorised to give tax or legal advice. You are encouraged to seek advice about your specific circumstances from your own financial, tax, or legal adviser before making any financial decision.  
Website Security and Virus
You should be aware that, in general, information sent through the Internet is not secured. Email services that may be provided through the Platforms generally are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on the Platforms do provide a secure means to communicate with us, and you will be advised when you are using such a service. While Singapore Life may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. To protect your own privacy, confidential and/or personal information should only be communicated via email when you are advised that you are using a secure mechanism. We cannot guarantee or warrant that any part of the Platforms, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.  
Distributor and its Representative and Customer (these three parties shall from now on be known as “User”) are responsible for maintaining the confidentiality of his User Name and User Password as well as for all activities that occur from their use. Singapore Life is entitled to accept User’s instructions given via his User Name and User Password as valid and binding without the need for further inquiry or investigation even if User can prove that the instructions were not sent by him/her or sent without his/her authority. Singapore Life is entitled, at its discretion, to seek User’s confirmation offline or require other additional authentication processes or methods, on any of his instructions as and when it so deems fit. User agrees that Singapore Life is not liable for any damage or loss resulting from any breach of security arising from User’s failure to keep confidential his User Name and User Password and User shall defend, indemnify and hold Singapore Life harmless against all liability, loss, damage or costs and expenses arising or resulting from such access or use of the Secured Site. User must notify Singapore Life when he becomes aware of any loss or theft or unauthorised use of either his User Name and/or User Password and he shall give such details and assistance to Singapore Life as may reasonably be required. In such a case or if User desires to change his password or if User forgets his/her password, User can change his User Name and/or User Password on the Secured Site. However, until the change is effected, User shall be liable for all transactions carried out by the use of the User Name and/or Customer Password on the Secured Site. Where inaccurate information in Customer’s account balances, or transaction history is detected or where there is any transaction occurring which User has not authorised, User must immediately inform Singapore Life failing which neither Singapore Life nor any of its officers, employees, or affiliates is to be liable to User or any third party. Singapore Life reserves the right to block access to the Secured Site at any time for any reason Singapore Life may require the use of encryption technology for certain transactions as a means of security. In such an event, Singapore Life has the right to require User to use such technology, at User’s costs, in accessing and using the Secured Site.  
Singapore Life makes no representation that Content on this Site is appropriate or available for use in jurisdictions other than where specifically identified. Access to this Site’s Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. Singapore Life is not authorised to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to products, programs or services that are not available in your state or country. Consult your qualified financial professional for information regarding the products, programs and services which may be available to you.  
Disclaimer of Warranties
All information presented through the website is furnished “as is” and “as available,” without any express or implied warranties of any kind, including without limitation, warranties of fitness for a particular purpose or non-infringement of intellectual property. We do not represent or warrant that the website or its content is error free, that defects will be corrected, and that the website is free of viruses or other harmful code.  
Electronic Transactions
In the event this website permits you to view, change information and receive other information or services related to a contract or policy issued by Singapore Life through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, two factor authentication or other security measures that we may require. By obtaining Access Codes, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to Singapore Life and that your identity as an authorised user of our on-line services is determined solely by your Access Codes. You acknowledge that you are responsible for the safekeeping of your Access Codes and Singapore Life is unable, and under no obligation, to confirm the identity or authority of any other user using your Access Codes to access our on-line services.

Collect, Use and Disclosure

Potential Customers
Your personal data is provided to us when you make enquiry on our products and services or request to be on our mailing list, which we use to provide the services you requested. We keep the data only for the purpose for responding to your request.  
In our business operation either through our website, distributors, vendors or partners, we collect your personal data for the purpose of application for insurance. We use your personal data to underwrite, administer the issuance of policy, maintenance of the insurance contract with us and claims administration. To keep cost low and maintain efficient service to you, we work with third party vendors with your data. We believe in working with third party vendors who are experts and use cutting edge technology to provide the service. We continually develop new products and keep you abreast of such new development through our third party marketing vendors and events.  
Third Party Personal Data
When you provide personal data on a third party (e.g. spouse, children, parents), including and not limited to beneficiaries or as a life assured, it is deemed you have obtained their consent to provide to us for a specific purpose.  
Distributors and Representatives
We collect and use your personal data to set up your access right to Singapore Life platform, commission administration and tagging to customers and supervision oversight framework.  
In order for us to carry out our contractual relationship with you and to provide the best of service, we use your data for policy administration in the following ways.  
Policy Administrations
Making changes or updates to your policy; providing ad-hoc or regular information about your policy; assessing, processing, settling, authenticating and investigating claims; verifying your identity and any information you provide to us; collecting premiums and making any payments to you in connection with our products and services.  
Marketing Activities
Marketing and promoting the business activities, products and services of Singapore Life to you via, your chosen mode of communication (telephone calls, SMS, electronic mail); participating and administering contests, lucky draws, events and competitions; providing, managing, operating, processing and administering our products and services to you; archiving, backing-up or destroying personal data; to personalise the appearance of our customer portal, provide targeted advertising on our website or through other channels; for data matching, internal business and administrative purposes.  
Investigation and Compliance
Conduct investigation for misconduct, monitoring and audit reviews; meeting requirements of prevailing internal policies of Singapore Life; meeting requirements imposed by any law, rules, regulations, agreements or schemes imposed by any government regulators, law enforcement agencies, government authorities, dispute resolution or industry bodies or in connection with any investigations.  
Product Development
To design new or enhance existing products and services provided by us; for market, statistical or actuarial research and trend analysis of our products and services for company, regulatory or industry exercises and studies and reviewing the standard of our products and services.  
Quality, Training and Communication
We maintain quality using recording on our communications with you to train our employees; to communicate with you including to send you administrative communications about any account you may have with us.  
Personal data will be kept confidential but may, and where permitted by law, we provide such personal data to the following parties:  
Policy Administration
Insurance distributor whom you have a relationship; third party service providers and employees of Singapore Life who provide administrative services, business process services, storage services, document processing and archiving services, information technology services, data centre services, payment services, data analytics services, marketing services and other services to Singapore Life in connection with the business of Singapore Life including but not limited to banks, credit card companies, credit agencies, investigators, reinsurers, hospitals and clinics; other companies that help gather your information or communicate with you, such as research companies and ratings agencies, in order to enhance the services we provide to you; Medical Sources and insurance organisations.  
Our professional advisers such as our lawyers and auditors; any law enforcement agency, statutory board, government regulator, government authority, dispute resolution or industry bodies as necessary to comply with any laws, rules, regulations, agreements or schemes; any other party as permitted under applicable law.  
Business Reasons
From time to time, we may purchase a business or sell one or more of our businesses (or portions thereof) and where permitted by law your personal data may be transferred or disclosed as a part of the purchase or sale or a proposed purchase or sale. In the event that we purchase a business, the personal data received with that business would be treated in accordance with this Data Protection Policy, if it is practicable and permissible to do so.  
Access To, Correction and Accuracy
Access, Correction and Accuracy As Singapore Life relies on your personal data to provide products and services to you, you shall ensure that the information provided by you to us is at all times correct, accurate and complete. You shall update us in a timely manner of all changes to the information provided to us.  

Protection and Retention

By providing your personal data to us, you accept that Singapore Life may retain your information for as long as necessary, to fulfill the purpose(s) for which it is collected in compliance with applicable laws and regulations and Singapore Life’s prevailing internal policies.  
Singapore Life applies reasonable security measures to prevent unauthorised or accidental access, processing, erasure, loss or use including limiting physical access to data within Singapore Life’s systems and encryption of sensitive data when transferring such data. Reasonable steps will be taken to delete, destroy or anonymise your personal data when it is no longer necessary for any of the purposes above.
Singapore Life is built on the foundation of creating value for our customers. Providing a fair deal to customers becomes the epitome of all we do. The Board and Senior Management firmly embrace and are committed to delivering Fair Dealing outcomes. Our people are mindful that we must treat all customers fairly because what is right for our customers is right for us. That is why everyone at Singapore Life has a role to play in ensuring that Fair Dealing is at the heart of everything that we do – from the way we design our insurance or investment products and services, to our marketing and sales strategies and approaches, and to our after-sales care.
We put our customers and their financial goals first by:
  • Offering products and services that are suitable for them;
  • Ensuring our employees are trained to give quality and appropriate product information;
  • Providing clear, relevant and timely information so that customers can make informed financial decisions;
  • And dealing with feedback in an independent, effective and prompt manner.
Click here to read about the Monetary Authority of Singapore Fair Dealing Guidelines.
Singapore Life does not provide Financial Advisory services. We recommend getting financial advice from a licenced financial adviser to provide you a comprehensive assessment of your protection needs. You may also visit credible websites such as www.moneysense.gov.sg for an understanding of the various type of insurance plan and its’ purposes. To determine the amount of insurance cover you can use financial planning calculators from www.cpf.gov.sg/members/tools/calculators. The information under the “Average Cover Others Like You Have” is formed from our life insurance survey of Singapore residents in 2017 and may not be reflective of your personal situation. The “Average Cover You Need” is designed to provide quick and simple illustration of the amount of insurance cover that people like you should have. It should not be taken as a substitute for professional advice. There are other personal factors that may influence the amount of insurance cover that serves your needs.
Singapore Life is a registered member of the Policy Owners’ Protection (PPF) scheme. Singapore Life customers are protected in the event that the business fails to carry out its operations. All existing and new life insurance policies, including riders, issued by Singapore Life are covered under the scheme. Find out more information on the Policy Owners’ Protection Scheme on the SDIC website.

View our Register of Insured Policies (as of 7 August 2019)