# DIRECT -     
  Singlife Term Life

**Insurer:** Singlife (Singapore Life Ltd.)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/DIRECTSinglifeTermLife_PS_NCI_Dec25.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/DIRECTSinglifeTermLife_PS_NCI_Dec25.pdf
- **PDF sha256:** `a853ce69330f0462d92ce77de0697053a73a512b0a4de8149aae2a804fb4a948`
- **Extraction confidence:** verified

## Extracted facts

### claims

```json
{
  "source_page": 3,
  "direct_settlement": true,
  "documents_required": [
    "completed claim form",
    "proof of the life assured's date of birth",
    "medical report and/or diagnosis from a registered medical practitioner acceptable to us",
    "original death certificate (when making a claim for death benefit)",
    "proof that the claimant is entitled to payment under your policy",
    "any other document we consider necessary to support the claim"
  ]
}
```

### free look

```json
{
  "period_days": 14,
  "source_page": 3,
  "refund_basis": "As long you have not made any claim under your policy, we will cancel your policy from its cover start date and refund the premiums paid, without interest and less any expenses incurred in considering your application and issuing your policy."
}
```

### exclusions

```json
[
  {
    "text": "We will not pay the death benefit if: the life assured commits suicide as stated in section 8.1. Suicide; or your policy ends.",
    "source_page": 1
  },
  {
    "text": "We will not pay the terminal illness benefit for terminal illness in the presence of human immunodeficiency virus (HIV) infection.",
    "source_page": 1
  },
  {
    "text": "We will not pay the total and permanent disability benefit if your claim is directly or indirectly, wholly or partly caused by or arising from or contributed to by: deliberate acts such as self-inflicted illness or injury, while sane or insane; attempted suicide; injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft; or any pre-existing condition.",
    "source_page": 1
  }
]
```

### cash values

```json
{
  "has_cash_value": false,
  "guaranteed_surrender_value": {
    "basis": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false,
    "source_page": 4
  }
}
```

### policy loan

```json
{
  "available": false
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 2
}
```

### product type

```json
"term-life"
```

### policy basics

```json
{
  "maximum_entry_age": {
    "basis": "age-next-birthday",
    "years": 65,
    "source_page": 4
  },
  "minimum_entry_age": {
    "basis": "age-next-birthday",
    "years": 19,
    "source_page": 4
  },
  "maximum_coverage_age": {
    "basis": "as-stated",
    "years": 80,
    "source_page": 3
  },
  "maximum_policy_term_years": "term to age 65",
  "minimum_policy_term_years": 5
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": false,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "premium_term_options": [
    {
      "label": "5 years renewable term",
      "description": "5 years renewable term",
      "source_page": 1
    },
    {
      "label": "20 years term",
      "description": "20 years term",
      "source_page": 1
    },
    {
      "label": "term to age 65",
      "description": "term to age 65",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "text": "Premiums for this plan (basic benefits) are level and guaranteed during the premium payment term.",
    "reviewable": false,
    "source_page": 1
  }
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "This plan has no cash value.",
    "available": false
  },
  "source_page": 1,
  "extended_term": {
    "text": "This plan has no cash value.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "This plan has no cash value.",
    "available": false
  }
}
```

### suicide clause

```json
{
  "source_page": 3,
  "payout_within_period": "If the life assured commits suicide (while sane or insane) within one year from the policy issue date or the last reinstatement date of your policy, whichever is later, we will void your policy on the date immediately before the date of death. As long as you have not made any claim under your policy, we will refund premiums paid for the basic benefits, without interest and less any amount you owe us, from the policy issue date or the last reinstatement date of your policy, whichever is later.",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "product_full_name": "DIRECT - Singlife Term Life",
  "insurer_legal_entity": "Singapore Life Ltd.",
  "product_summary_pdf_url": "https://singlife.com/en/make-a-claim/"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 5,
  "acceleration_percent": 100,
  "qualifying_definition": "the conclusive diagnosis of an illness that is expected to result in the death of the life assured within 12 months. This diagnosis must be supported by a specialist and confirmed by our appointed registered medical practitioner. Terminal illness in the presence of HIV infection is excluded."
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*