{"query":"suicide exclusion","vertical":"singapore-life","match_count":12,"hit_count":12,"hits":[{"wording_id":59,"product_id":34,"product_slug":"direct-great-term","product_name":"DIRECT -\n  GREAT Term","insurer_slug":"great-eastern","insurer_name":"Great Eastern","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Direct%20-%20Great%20Term_(SG)_v3.0.pdf","section_path":"Product Summary > When will you not receive the benefits of this plan?","chunk_idx":0,"clause_text":"Benefits of this plan are not payable under certain conditions. These conditions are stated in the policy contract. The categories of exclusions that are common to all life insurers relate to:\n\n• Suicide within one year (for Death benefit)\n• Self-inflicted injury (for TPD benefit)\n\nIn addition to the above common categories of exclusions, all the exclusions for this plan are listed as follows:","similarity":0.555408},{"wording_id":38,"product_id":61,"product_slug":"singlife-heritage-income","product_name":"Singlife     \n  Heritage Income","insurer_slug":"singlife","insurer_name":"Singlife","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeHeritageIncome_PS_May26.pdf","section_path":"5 ADDITIONAL INFORMATION > Exclusions","chunk_idx":0,"clause_text":"i. If the Life Assured commits suicide (while sane or insane) within one year of the Policy Issue Date or the date of the last reinstatement of the Policy (whichever is later), the Policy will be voided from the date immediately before the date of death.\n\nWhere a change of Life Assured or a transfer of cover to the Secondary Life Assured has been made, if the new Life Assured commits suicide (while sane or insane) within 1 year of the effective date of a change of Life Assured, the issue date of the Endorsement for a change of Life Assured, a transfer of cover to the Secondary Life Assured or the date of the last reinstatement of the Policy (whichever is latest), the Policy will be void from the date immediately prior to the date of death.\n\nii. Terminal Illness in the presence of HIV infection is excluded.\n\nYou are advised to read the policy contract for the full list of exclusions.\n\n[p.11]","similarity":0.554054},{"wording_id":37,"product_id":60,"product_slug":"singlife-smart-saver","product_name":"Singlife Smart \n  Saver","insurer_slug":"singlife","insurer_name":"Singlife","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeSmartSaver_PS_Dec25.pdf","section_path":"PRODUCT SUMMARY > 5. ADDITIONAL INFORMATION > Exclusions","chunk_idx":0,"clause_text":"i. If the Life Assured commits suicide (while sane or insane) within one year of the Policy Issue Date or the date of the last reinstatement of the Policy (whichever is later), the Policy will be void from the date immediately prior to the date of death.\n\nWhere a change of Life Assured or a transfer of cover to the Secondary Life Assured has been made, if the new Life Assured commits suicide (while sane or insane) within 1 year of the effective date of a change of Life Assured, the issue date of the Endorsement for a change of Life Assured, a transfer of cover to the Secondary Life Assured or the date of the last reinstatement of the Policy (whichever is latest), the Policy will be void from the date immediately prior to the date of death.\n\nii. Accidental Injury directly or indirectly, wholly or partly caused by or arising from or contributed to by the following is excluded:\n\n(a) self-inflicted injuries, suicide or attempted suicide, while sane or insane;\n(b) bodily infirmity, illness or disease of any kind, or any infection other than an infection occurring simultaneously with and in consequence of a cut or wound of an Accidental Injury;\n(c) mental or psychiatric illness, anxiety, nervous disorders or sleep disturbance disorders;\n(d) whilst under the influence of alcohol, drugs or intoxication, even if the drug prescribed by a Registered Medical Practitioner, or the taking of poison or inhalation of gas, voluntarily or involuntarily;\n(e) while on duty in any navy, army, air force, military, firemen, civil defence, police or law enforcement organisation except where national service or reservist duties are carried out in Singapore or overseas (if this applies) under the Enlistment Act 1970;\n(f) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, assuming the proportions of or amounting to an uprising, military or usurped power;\n(g) as a result of travel in or on any type of aircraft other than as a crew member or fare paying passenger on a regularly scheduled passenger flight of an international commercial airline;\n(h) as a result of the Life Assured committing, attempting or provoking an assault or felony or any violation of the law by the Life Assured;\n(i) as a result of racing of any kind other than on foot;\n(j) as a result of participation in any aerial activity including parachuting and sky diving; or\n(k) as a result of participation in any underwater activity.\n\niii. Terminal Illness in the presence of HIV infection is excluded.","similarity":0.553924},{"wording_id":36,"product_id":59,"product_slug":"singlife-steadypay-saver","product_name":"Singlife     \n  Steadypay Saver","insurer_slug":"singlife","insurer_name":"Singlife","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeSteadypaySaver_PS_Dec25.pdf","section_path":"PRODUCT SUMMARY > 5. ADDITIONAL INFORMATION > Exclusions","chunk_idx":0,"clause_text":"i. If the Life Assured commits suicide (while sane or insane) within one year of the Policy Issue Date or the date of the last reinstatement of the Policy (whichever is later), the Policy will be voided from the date immediately prior to the date of death.\n\nii. Accidental Injury directly or indirectly, wholly or partly caused by or arising from or contributed to by the following is excluded:\n\n(a) self-inflicted injuries, suicide or attempted suicide, while sane or insane;\n\n(b) bodily infirmity, illness or disease of any kind, or any infection other than an infection occurring simultaneously with and in consequence of a cut or wound of an Accidental Injury;\n\n(c) mental or psychiatric illness, anxiety, nervous disorders or sleep disturbance disorders;\n\n(d) whilst under the influence of alcohol, drugs or intoxication, even if the drug prescribed by a Registered Medical Practitioner, or the taking of poison or inhalation of gas, voluntarily or involuntarily;\n\n(e) while on duty in any navy, army, air force, military, firemen, civil defence, police or law enforcement organisation except where national service or reservist duties are carried out in Singapore or overseas (if this applies) under the Enlistment Act 1970;\n\n(f) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, assuming the proportions of or amounting to an uprising, military or usurped power;\n\n(g) as a result of travel in or on any type of aircraft other than as a crew member or fare paying passenger on a regularly scheduled passenger flight of an international commercial airline;\n\n(h) as a result of the Life Assured committing, attempting or provoking an assault or felony or any violation of the law by the Life Assured;\n\n(i) as a result of racing of any kind other than on foot;\n\n(j) as a result of participation in any aerial activity including parachuting and sky diving; or\n\n(k) as a result of participation in any underwater activity.","similarity":0.545466},{"wording_id":18,"product_id":25,"product_slug":"pruactive-life-v","product_name":"PRUActive Life V","insurer_slug":"prudential","insurer_name":"Prudential Singapore","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive_Life_V_PS_Mar2026.pdf","section_path":"Exclusions:","chunk_idx":0,"clause_text":"There are certain conditions (such as death from suicide within 12 months from cover start date or date of reinstatement (if any), or death from an activity under special exclusions or special terms and conditions (if any)) under which no benefits will be payable.\n\nYou are advised to read the policy document for the full details of these exclusions.","similarity":0.545285},{"wording_id":35,"product_id":58,"product_slug":"singlife-flexi-life-income-ii","product_name":"Singlife Flexi \n  Life Income II","insurer_slug":"singlife","insurer_name":"Singlife","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeFlexiLifeIncomeII_PS_Dec25.pdf","section_path":"Terminal Bonus rate indicated in Appendix A is based on an illustrated investment rate of return of 4.25% p.a., which is the higher rate as illustrated in the Policy Illustration. > 5. ADDITIONAL INFORMATION > Exclusions","chunk_idx":0,"clause_text":"i. If the Life Assured commits suicide (while sane or insane) within one year of the Policy Issue Date or the date of the last reinstatement of the Policy (whichever is later), the Policy will be voided from the date immediately before the date of death.\n\nii. Terminal Illness in the presence of HIV infection is excluded.\n\nYou are advised to read the policy contract for the full list of exclusions.","similarity":0.535594},{"wording_id":56,"product_id":70,"product_slug":"smart-wealth-builder-series","product_name":"AIA Smart Wealth Builder\n   Series","insurer_slug":"aia","insurer_name":"AIA Singapore","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_SWB2(10P)_Jul2025.pdf","section_path":"Product Summary for AIA Smart Wealth Builder (II) (10-pay) > 4. Exclusions > Death Benefit","chunk_idx":0,"clause_text":"If the Insured commits suicide (regardless of sanity) within 1 year from the policy issue date or reinstatement date, whichever is later or otherwise specified, our liability shall be limited to the refund of premiums paid without interest.","similarity":0.534664},{"wording_id":41,"product_id":30,"product_slug":"pruvantage-wealth-iii","product_name":"PRUVantage Wealth \n  III","insurer_slug":"prudential","insurer_name":"Prudential Singapore","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUVantage%20Wealth%20III%20Product%20Summary.pdf","section_path":"PRODUCT SUMMARY: PRUVantage Wealth III > Exclusions:","chunk_idx":0,"clause_text":"There are certain conditions such as death from suicide or Pre-existing Condition within 12 months from cover start date under which no benefits will be payable. You are advised to read your policy document for the full details of these exclusions.","similarity":0.533981},{"wording_id":24,"product_id":43,"product_slug":"prestige-life-gold-4","product_name":"Prestige \n  Life Gold 4 (SGD/USD)","insurer_slug":"great-eastern","insurer_name":"Great Eastern","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_Prestige%20Life%20Gold%204(SGD)_(SG)_v5.0.pdf","section_path":"Product Summary > Policy Values, Flexible Options, Limitations & Premiums > When will you not receive the benefits of this plan? > Death benefit","chunk_idx":0,"clause_text":"We will not pay any benefit for death due to:\n\n• suicide while sane or insane\nwithin 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy.\n\nWe will refund the premiums received, less any withdrawals made:\n\n(a) to the assignee if the policy has been assigned; or\n(b) to you or your legal personal representative if the policy has not been assigned,\n\nand the policy will then end.","similarity":0.532935},{"wording_id":61,"product_id":38,"product_slug":"direct-great-life-2","product_name":"DIRECT - \n  GREAT Life II","insurer_slug":"great-eastern","insurer_name":"Great Eastern","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_DIRECT%20GREAT%20Life%20II%2070_85_(SG)_v5.0.pdf","section_path":"Benefits > When will you not receive the benefits of this plan? > Death benefit","chunk_idx":0,"clause_text":"We will not pay the death benefit if the life assured dies due to suicide, while sane or insane, within 1 year from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid.","similarity":0.532207},{"wording_id":22,"product_id":41,"product_slug":"great-wealth-multiplier-3","product_name":"GREAT \n  Wealth Multiplier 3","insurer_slug":"great-eastern","insurer_name":"Great Eastern","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/190800011G/PS(EN)_GREAT%20Wealth%20Multiplier%203_(SG)_v5.0.pdf","section_path":"Product Summary > Policy Values, Flexible Options, Limitations & Premiums > When will you not receive the benefits of this plan? > Death benefit","chunk_idx":0,"clause_text":"We will not pay any benefit for death due to:\n\n(a) suicide while sane or insane; or\n(b) any pre-existing condition,\n\nwithin 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. The policy will be void regardless of whether there is a secondary life assured appointed for the policy. We will refund all the premiums you have paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid).","similarity":0.525746},{"wording_id":49,"product_id":63,"product_slug":"secure-flexi-term","product_name":"AIA Secure Flexi Term","insurer_slug":"aia","insurer_name":"AIA Singapore","source_url":"https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_SFT(RC)_July2025.pdf","section_path":"Product Summary for AIA Secure Flexi Term (R&C) > Key Product Provisions: [p.2] > 1. General Exclusions > (a) Death Benefit","chunk_idx":0,"clause_text":"If the Insured, whether sane or insane, commits suicide within one year of the issue date or reinstatement date of the basic policy, whichever is later, unless otherwise specified in any supplementary agreements or endorsements, our liability shall only be limited to the refund of the total premiums paid without interest.","similarity":0.525165}],"disclaimer":"Semantic search over MAS-licensed Singapore life insurance policy wordings (term, whole life, ILP, endowment, retirement). Always verify against the source PDF before acting on a clause."}