{ "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": "termlife-solitaire", "name": "TermLife Solitaire", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/202135698W/TBN4TCN2_Summary.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T10:53:32.360267+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/202135698W/TBN4TCN2_Summary.pdf", "pdf_hash": "a05b37cd7d0661fce8b0e2fc2d98971bcad4f2f02b2e9f31e93c4a9bab3f4f95", "page_count": null }, "facts": { "claims": { "source_page": 2, "direct_settlement": false, "documents_required": [] }, "riders": [ { "code": "TCN2", "name": "Disability Accelerator", "rider_type": "tpd", "description": "Disability Accelerator is an accelerated rider attached to a basic policy. It is a non-participating, regular premium rider that provides insurance protection against total and permanent disability (TPD) for a limited period of time. The term of rider will follow the basic policy term, subject to the maximum coverage of age 70 last birthday. The sum assured of this rider cannot exceed the sum assured of the basic policy.", "source_page": 5, "available_at_inception": true, "available_after_inception": true } ], "free_look": { "period_days": 14, "source_page": 1, "refund_basis": "we will refund you the premiums you have paid, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us." }, "exclusions": [ { "text": "This policy is not valid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.", "source_page": 1 }, { "text": "We will not pay the Terminal Illness benefit 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": 1 }, { "text": "After you have been continuously covered for one year 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 this 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 policy or rider.", "source_page": 1 } ], "cash_values": { "has_cash_value": false, "non_guaranteed_bonus": { "available": false }, "guaranteed_surrender_value": { "basis": "There is no surrender or cash value available.", "available": false, "source_page": 1 } }, "policy_loan": { "available": false, "source_page": 1 }, "grace_period": { "days": 30, "source_page": 1 }, "product_type": "term-life", "policy_basics": { "maximum_coverage_age": { "basis": "age-last-birthday", "years": 100, "source_page": 1 }, "maximum_policy_term_years": "40 years (or up to age 100 last birthday)", "minimum_policy_term_years": "10 years (or up to age 64, 74, 84 or 100 last birthday)" }, "premium_terms": { "payment_modes": [ "monthly", "quarterly", "semi-annual", "annual" ], "premium_term_options": [ { "label": "Regular pay throughout policy term", "description": "Premiums are payable throughout the premium term. You can choose to pay monthly, quarterly, half-yearly or yearly. Premium rates are guaranteed throughout the policy term and applicable to standard lives.", "source_page": 1 } ], "premium_review_clause": { "text": "Premium rates are guaranteed throughout the policy term and applicable to standard lives.", "reviewable": false, "source_page": 1 } }, "reinstatement": { "conditions": "If this policy and its riders (if any) end because you have not paid the premium, you can reinstate it within 36 months by paying the premiums you owe along with interest. 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. However, if we do not ask for the insured's health declaration or medical checks when you apply, then you need not give us satisfactory proof of the insured's good health.", "source_page": 1, "window_years": 3 }, "non_forfeiture": { "paid_up": { "text": "There is no surrender or cash value available.", "available": false }, "source_page": 1, "extended_term": { "text": "There is no surrender or cash value available.", "available": false }, "automatic_premium_loan": { "text": "There is no surrender or cash value available. As such, policy loan is not available under this policy.", "available": false } }, "suicide_clause": { "source_page": 1, "payout_within_period": "We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.", "exclusion_period_months": 12 }, "document_metadata": { "wording_version": "Version 1.25", "product_full_name": "TermLife Solitaire", "insurer_legal_entity": "Income Insurance Limited" }, "terminal_illness_benefit": { "available": true, "source_page": 1, "acceleration_percent": 100, "qualifying_definition": "Please refer to the policy contract for the exact terms and definition of TI." } }, "confidence_tier": "verified" }