{ "generated_at": "2026-06-05T12:32:40.774Z", "site_base": "https://lifeinsurance.com.sg", "insurer": { "slug": "income", "name": "Income Insurance", "legal_entity": "Income Insurance Limited", "mas_license_type": null, "mas_fi_directory_url": null }, "product": { "slug": "astralink", "name": "AstraLink", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/202135698W/VA2_Summary.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T12:29:46.778987+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/202135698W/VA2_Summary.pdf", "pdf_hash": "fbc8b140725f4766811f53dcd400fe054dca6df0ba5ae92f693dda5b68d6b504", "page_count": null }, "facts": { "claims": { "source_page": 6, "direct_settlement": true, "documents_required": [ "adequate evidence required by Income Insurance" ], "typical_processing_days_max": 7, "typical_processing_days_min": 7 }, "riders": [ { "name": "Critical Protect (ILP)", "rider_type": "critical-illness", "description": "A unit deducting rider that can be attached to AstraLink. If taken up, an enhanced investment bonus applies based on Table 2 (percentage of regular premiums paid in the first 12 months, varying by sum assured multiple and MIP). The rider's sum assured changes correspondingly with changes to the basic policy's regular premium or sum assured.", "source_page": 2, "available_at_inception": true, "available_after_inception": true } ], "free_look": { "period_days": 14, "source_page": 6, "refund_basis": "If you choose to cancel the policy, we will refund you: a) The premiums you have paid; or b) The value of your policy units (excluding bonus units) based on the applicable bid price on the date we receive your cancellation request, plus any applicable fees and charges deducted from the policy, whichever is lower, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us. The maximum amount payable to you under this policy (including any refunds and distributions) in the event of such cancellation is the total amount of premiums paid (without interest)." }, "exclusions": [ { "text": "Death Benefit: The cash-in value at the time we are told about the claim will be paid if the insured commits suicide within one year from the cover start date.", "source_page": 5 }, { "text": "Terminal Illness (TI) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence.", "source_page": 5 }, { "text": "Total and Permanent Disability (TPD) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. Under the definition of total and permanent disability (TPD), if the insured is under 65 years old, he or she must be unable to carry out any occupation or there is total physical loss. The policy does not pay if the insured is merely unable to perform the same job as before, or is unable to perform a job to which his or her training, education or experience is suited for. If the insured becomes totally and permanently disabled when the insured is 65 years old and above, the insured must be suffering from a severe disability or total physical loss. Otherwise, we will not pay the benefit. The policy also does not pay this benefit unless the insured is certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row. The aggregate TPD and accidental TPD benefit payable on a single life, inclusive of all policies issued by Income Insurance and by any other insurer cannot be more than S$6.5 million (not including bonuses).", "source_page": 5 }, { "text": "Accidental Death and Accidental TPD Benefit is not payable unless death or TPD happens within 365 days of the accident. The benefit is also not payable if accidental death or accidental TPD is caused directly or indirectly by: deliberate acts such as self-inflicted injuries, suicide or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; the effects of alcohol, drugs or any dependence; illnesses, psychological conditions or eating disorders; heat stroke; a bad reaction to drugs or medication; the effects of viruses (for example, dengue), bacteria or diseases; the negative effects or complications of medical and surgical care; treatment aimed at improving appearance, such as cosmetic surgery or any treatment relating to a previous cosmetic treatment; radiation or contamination from radioactivity; being in any aircraft, except as a fare-paying passenger in a commercial aircraft or during military operations in peacetime; military, air force or naval operations, except when carried out in peacetime; warlike operations (whether war is declared or not), war, invasion, riot, or any similar event; an accident which happens outside of Singapore, if the insured has been outside Singapore for more than 180 days in a row at the time of the accident; or an act of terrorism. However, we will pay $10,000 or 10% of the sum assured, whichever is lower, on top of the amount we pay for death or TPD benefit.", "source_page": 5 }, { "text": "Other Condition: After you have been continuously covered for two years from the cover start date, we will pay your claim unless: it is a case of fraud; you fail to pay a premium; the insured has a material pre-existing condition which you did not tell us about when you applied for the basic policy or rider if health declaration is required; you or the insured fail to tell us any significant information or information which is true, correct and complete which would have reasonably affected our decision to accept your application; or the claim is excluded or not covered under the terms of the basic policy or rider.", "source_page": 5 } ], "cash_values": { "has_cash_value": true, "non_guaranteed_bonus": { "text": "Investment bonus: based on a percentage of the regular premiums paid in the first 12 months (varies by sum assured multiple and MIP). Loyalty bonus: starting from the 10th anniversary, an annual loyalty bonus (percentage of the policy value) will be provided on the next working day from the anniversary. Both bonuses are used to buy additional units in the ILP sub-funds chosen.", "available": true, "bonus_types": [ "other" ], "source_page": 2 }, "guaranteed_surrender_value": { "basis": "Cash-in value is the policy value after deduction of applicable surrender charge (percentage of policy value withdrawn, as per Appendix 2 table). If the policy cash-in value after surrender charge is zero or less, there will be no benefit payout and the policy will end.", "available": false, "source_page": 4 } }, "grace_period": { "days": 30, "source_page": 6 }, "product_type": "investment-linked", "policy_basics": { "minimum_sum_assured": { "amount": "based on applicable sum assured multiple and minimum regular premium", "currency": "SGD", "source_page": 3 }, "maximum_policy_term_years": "25 (maximum MIP of 25 years)", "minimum_policy_term_years": "10 (minimum MIP of 10 years)" }, "premium_terms": { "cpf_eligible": { "srs": false, "notes": "This plan can be paid only with cash.", "source_page": 2, "special_account": false, "ordinary_account": false }, "payment_modes": [ "annual", "semi-annual", "quarterly", "monthly" ], "minimum_premium": { "amount": 100, "currency": "SGD", "source_page": 4 }, "premium_term_options": [ { "label": "MIP 10 years", "description": "Minimum Investment Period of 10 years during which certain charges may apply", "source_page": 1 }, { "label": "MIP 15 years", "description": "Minimum Investment Period of 15 years during which certain charges may apply", "source_page": 1 }, { "label": "MIP 20 years", "description": "Minimum Investment Period of 20 years during which certain charges may apply", "source_page": 1 }, { "label": "MIP 25 years", "description": "Minimum Investment Period of 25 years during which certain charges may apply", "source_page": 1 } ] }, "reinstatement": { "conditions": "If the policy ends because its policy value falls to zero or less (negative value), the policyholder may request to reinstate the policy and any rider(s) within 36 months from the date the policy ended by starting to pay the required regular premiums, subject to our term and conditions. However, in situations where the policy value has become negative, a top-up in addition to the required regular premium may be required before the reinstatement of the policy. This applies as long as you give us satisfactory proof of the insured's good health and there is no change in the risks covered by this policy.", "source_page": 6, "window_years": 3 }, "non_forfeiture": { "paid_up": { "text": "Not described in this product summary.", "available": false }, "source_page": 3, "extended_term": { "text": "Not described in this product summary.", "available": false }, "automatic_premium_loan": { "text": "Not described in this product summary.", "available": false } }, "suicide_clause": { "source_page": 5, "payout_within_period": "The cash-in value at the time we are told about the claim will be paid if the insured commits suicide within one year from the cover start date.", "exclusion_period_months": 12 }, "document_metadata": { "wording_version": "Version 1.26", "product_full_name": "AstraLink (VA2)", "insurer_legal_entity": "Income Insurance Limited" }, "terminal_illness_benefit": { "available": true, "source_page": 3, "acceleration_percent": 100, "qualifying_definition": "Upon death, TI or TPD of the insured during the term of the policy, the following will be paid: the basic benefit at the claim event date, or the policy value at the time we are told about the claim; whichever is higher. Please refer to the policy contract for the exact terms and definitions of TI and TPD." } }, "confidence_tier": "verified" }