# Singlife Elite 
  Term II

**Insurer:** Singlife (Singapore Life Ltd.)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeEliteTermII_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/SinglifeEliteTermII_PS_NCI_Dec25.pdf
- **PDF sha256:** `9f16407b9b366e60931a7d664dc1605e86d470f92fbdebf68cf148980b3c2329`
- **Extraction confidence:** verified

## Extracted facts

### claims

```json
{
  "source_page": 6,
  "direct_settlement": true,
  "documents_required": [
    "completed claim form",
    "proof of the Life Assured's date of birth",
    "medical report and/or diagnosis issued by a Registered Medical Practitioner, supported by clinical, radiological, histological and laboratory evidence at the claimant's expense, and acceptable to Us",
    "death certificate (for Death Benefit claim)",
    "proof that the claimant is entitled to payment under the Policy",
    "any other document We consider necessary to support the claim"
  ]
}
```

### riders

```json
[
  {
    "name": "TPD Advance Cover Plus III",
    "rider_type": "tpd",
    "description": "This is a non-participating Total and Permanent Disability Supplementary Benefit (TPD Benefit). It offers protection against disability which is total and permanent during the period of the benefit term. This TPD Benefit accelerates the Death Benefit of the Policy to which it is attached. This Supplementary Benefit does not have any cash value. The premium rates for this Supplementary Benefit are level and guaranteed throughout the premium term.",
    "source_page": 1,
    "available_at_inception": true,
    "available_after_inception": false
  }
]
```

### free look

```json
{
  "period_days": 14,
  "source_page": 6,
  "refund_basis": "We will cancel this Policy from its Policy Effective Date and refund the Premiums You paid without interest and less any expenses spent in considering Your application and issuing this Policy."
}
```

### exclusions

```json
[
  {
    "text": "We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane; active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism; resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism; any navy, army, air force, military or police duties (includes National Service and Reservist); participation in any aerial activity such as parachuting and sky-diving, racing of any kind other than on foot, mountaineering or underwater activity; 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; any violation or attempted violation of law, or resistance to lawful arrest or imprisonment; the influence of alcohol or drugs unless administered or taken at the direction of a Registered Medical Practitioner; any medical condition or injury not caused by an Accident; or consumption of poison or any substance which may be fatal if consumed, whether voluntary or involuntary.",
    "source_page": 1
  },
  {
    "text": "We do not pay the Death Benefit if the Life Assured commits suicide as stated in Section 4.",
    "source_page": 2
  },
  {
    "text": "We do not pay the TI Benefit for Terminal Illness in the presence of Human Immunodeficiency Virus (HIV) infection.",
    "source_page": 2
  },
  {
    "text": "We will not pay the TPD Benefit for any TPD directly or indirectly, wholly or partly caused by or arising from or contributed to by: 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,
  "non_guaranteed_bonus": {
    "available": false
  },
  "guaranteed_surrender_value": {
    "basis": "This plan does not have any cash value.",
    "available": false,
    "source_page": 1
  }
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 5
}
```

### product type

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

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "age-next-birthday",
    "years": 0,
    "source_page": 1
  },
  "maximum_coverage_age": {
    "basis": "age-next-birthday",
    "years": 99,
    "source_page": 1
  },
  "maximum_policy_term_years": "to Age 99",
  "minimum_policy_term_years": 5
}
```

### premium terms

```json
{
  "payment_modes": [
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "premium_term_options": [
    {
      "label": "5-year term with Guaranteed Renewable Option",
      "description": "Choice of coverage term of 5 years (with Guaranteed Renewable Option)",
      "source_page": 1
    },
    {
      "label": "10-year term with Guaranteed Renewable Option",
      "description": "Choice of coverage term of 10 years (with Guaranteed Renewable Option)",
      "source_page": 1
    },
    {
      "label": "11 years up to Age 85",
      "description": "Choice of coverage term of 11 years up to Age 85, at every one-year interval",
      "source_page": 1
    },
    {
      "label": "to Age 99",
      "description": "Choice of coverage term to Age 99",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "text": "The premiums are level and guaranteed throughout the policy term.",
    "reviewable": false,
    "source_page": 1
  }
}
```

### suicide clause

```json
{
  "source_page": 5,
  "payout_within_period": "We will void Your Policy on the date immediately before the date of death. As long as You have not made any claim under the Policy, We will refund premiums paid for the Policy, without interest and less any amounts owing to Us, from the Policy Issue Date, or the last reinstatement date, whichever is later.",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "product_full_name": "Singlife Elite Term II (Regular Pay)",
  "insurer_legal_entity": "Singapore Life Ltd.",
  "product_summary_pdf_url": "https://singlife.com/en/claims"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 2,
  "acceleration_percent": 100,
  "qualifying_definition": "\"Terminal Illness\" means 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."
}
```

---

*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.*