SingLife Term Insurance! NEW 15% off!

Last updated on December 18th, 2018 at 03:11 pm

If you are looking to purchase coverage in a fast and effective way, insuring with Singlife might be the answer.

Who is SingLife? They are a new homegrown life insurer.

(15% discount will be given to your Singlife term plan perpetually!)


Why Singlife plan is amongst our TOP RECOMMENDATION?

From our comparisons, it is the cheapest coverage for some age groups.

It is not always that a group coverage like the MINDEF group term coverage is always the cheapest.

Besides CI coverage is safer with a personal term plan. 



Singlife application is smart. You may click here to view their website.

Their policies are applied, completed and stored the digital way which is totally unique.

This is the digital way to own a policy.

If you don’t have much health issues, application can be completed within 20min and instantly!


A) If you are without health conditions, follow the application steps and your coverage can be offered instantaneous. 

There is no need for a processing time lag by most insurer’s underwriting department.

B) If you have certain health conditions, most insurers will take weeks to offer you a decision on loading/exclusion/acceptance.

For most conditions, Singlife’s system can give you an instantaneously answer.


Premium rate guide for a plan with life+TPD+CI coverage

The table reflects the Singlife plan premium rates with a quick glance.

Notice that as the sum assured gets larger, the premium gets comparatively cheaper.

Premiums have not reflected the 15% discount.



How to start?

Click on the whatsapp button below. I will get in touch with you personally for an online advised-based application.

If you want an analysis on how much coverage you may need, feel free to ask for some preliminary advice.

There will be NO HIDDEN COSTS for it. 


Contact Josh Tan, click below.

What are the steps for the application that I will go through with you.

STEP 1: Starting the application

I require basic personal information from you over the phone.

Once it is done, I will complete the basic information portion and send you an email with a SingLife link to do ONLY the health questionnaires


STEP 2: Completing questionnaire for underwriting of the application

The underwriting is dynamic and you will be guided to fill in any past health conditions. Above is a snapshot of the process.


An underwriting outcome is offered once you have completed the health questions.

For situations with loading as mentioned above, the outcome will be made known to you immediately.

This is unlike applications with most other insurers. This saves you the agony of waiting for weeks to know what premium you will be offered.

Moreover, I’ve seen cases for pre-existing conditions of ovarian cyst and epilepsy offered without any loading.

I have an eye injury and my own application did not have exclusions



STEP 3: Getting a result on application

To complete the application, accept the proposed coverage amount and duration.

Even if application is non-standard and needs more evidence, you will be notified instantly.

Snapshot of an application that was non-standard terms. TPD was not offered but CI coverage is still offered. Person has thyroid condition.

Step4: Completing the application digitally

A: Upload your photo and proof of address


B: Allow realtime ID verification

Singlife uses the Jumio platform to verify your identity. Hit the “start verification” and stand according to the instructions



C: Finally, make credit card payment to complete. Hassle free.


Step5 : Sign off on our company audit forms which will be delivered to you


Wow, there’s more: Guaranteed insurability option

You can increase your sum assured (if you want in future) at life stage events without the need for further medical information. The life stage events are

a. Life assured entering marriage

b. The birth of the life assured’s child

c. Life assured’s legal adoption of a child

d. An increase to the life assured’s mortgage by more than 20% and by the reason of a house move or undertaking major home improvement.


Usual questions: Are CI definitions the same?

Yes: same definition as the other insurers in the market.

Similar cap for Angioplasty & Other Invasive Treatment for Coronary Artery which is 10% of the selected sum assured of the supplementary benefit (maximum amount of $25,000).

Early CI riders are not offered with the Singlife term plan currently.


I can advice you further on your application. Contact Josh Tan for a preliminary meeting, click below.




The views and opinions expressed in this article are those of the author and do not represent the views of any other organisation.

Image credits: SingLife


Josh Tan Jian Liang (CHFC) Principal Author

REVIEWS: https://www.josh-tan/wall-of-reviews. COMPANY: Promiseland Independent Pte Ltd. EXPERIENCE: 11years.

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