{
  "generated_at": "2026-06-05T12:32:40.774Z",
  "site_base": "https://lifeinsurance.com.sg",
  "insurer": {
    "slug": "singlife",
    "name": "Singlife",
    "legal_entity": "Singapore Life Ltd.",
    "mas_license_type": null,
    "mas_fi_directory_url": null
  },
  "product": {
    "slug": "singlife-savvy-invest-ii",
    "name": "Singlife Savvy \n  Invest II",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeSavvyInvestII_PS_Dec25.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T11:23:36.979199+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/SinglifeSavvyInvestII_PS_Dec25.pdf",
    "pdf_hash": "349726f8868daf987cb280f74e9428bf19e580ca108223d9c1c9de89216e410b",
    "page_count": null
  },
  "facts": {
    "claims": {
      "source_page": 13,
      "direct_settlement": true,
      "documents_required": [
        "Kindly contact Your financial adviser representative or visit https://www.singlife.com/en/make-a-claim/ for claim procedures."
      ]
    },
    "riders": [
      {
        "name": "Supplementary Benefits",
        "rider_type": "other",
        "description": "Subject to Our terms and conditions and provided the Supplementary Benefits are available at point of Your application, You can request to add on additional Supplementary Benefits to Your policy during the policy term. Extra premiums are payable for these additional Supplementary Benefits. Please refer to the respective Supplementary Benefits' terms and conditions for the full details of exclusions.",
        "source_page": 5,
        "available_at_inception": true,
        "available_after_inception": true
      }
    ],
    "free_look": {
      "period_days": 14,
      "source_page": 13,
      "refund_basis": "Within 14 days of receiving the policy, You may write to Us to cancel Your policy. Upon receipt of Your request to cancel the policy, We will refund: (a) the account value after deducting the dollar amount of any Welcome Bonus and any dividend that We have paid; (b) all fees and charges that have been deducted; and (c) any premium(s) paid (without interest) for the premium paying Supplementary Benefits, after deducting any expenses We incurred in assessing the risk under the policy and in issuing the policy."
    },
    "exclusions": [
      {
        "text": "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. We will refund without interest, the account value of the policy based on the unit price on the next appropriate fund valuation date immediately following the date We receive the death claim notification, less any amount of Welcome Bonus and Loyalty Bonus paid from the policy issue date or the date of the last reinstatement of the policy (whichever is later) and any amounts owing to Us.",
        "source_page": 13
      },
      {
        "text": "Where a change of life assured has been made, if the new life assured commits suicide (while sane or insane) within one year of the effective date of the change of life assured, the issue date of the endorsement for a change of life assured or the date of the last reinstatement of the policy (whichever is the latest), the policy will be void from the date immediately prior to the date of death. We will refund without interest, the account value of the policy based on the unit price on the next appropriate fund valuation date immediately following the date We receive the death claim notification, less any amount of Welcome Bonus and Loyalty Bonus paid from the effective date of the change of life assured, the issue date of the endorsement for a change of life assured or the date of the last reinstatement of the policy (whichever is the latest) and any amounts owing to Us.",
        "source_page": 13
      },
      {
        "text": "We do not pay the Terminal Illness Benefit for Terminal Illness in the presence of Human Immunodeficiency Virus (HIV) infection.",
        "source_page": 13
      }
    ],
    "mwpa_trust": {
      "notes": "No mention of MWPA / Section 73 trust in this document.",
      "available": false
    },
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "available": false
      },
      "guaranteed_surrender_value": {
        "basis": "Account value less applicable surrender charge (if surrendered during minimum investment period) and any amount owing. Surrender charges range from 5% to 100% depending on policy year and minimum investment period chosen, per Appendix A.",
        "available": true,
        "source_page": 15
      }
    },
    "policy_loan": {
      "available": false
    },
    "grace_period": {
      "source_page": 7
    },
    "product_type": "investment-linked",
    "underwriting": {
      "source_page": 1,
      "pre_existing_treatment": "This plan is offered on guaranteed issuance offer basis."
    },
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-next-birthday",
        "source_page": 6
      },
      "minimum_entry_age": {
        "basis": "age-next-birthday",
        "years": 1,
        "source_page": 6
      },
      "maximum_coverage_age": "whole-of-life",
      "minimum_policy_term_years": "whole-of-life (policy continues until death, lapse, or surrender)"
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": false,
        "notes": "No CPF or SRS eligibility stated in the document.",
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "minimum_premium": {
        "amount": 200,
        "currency": "SGD",
        "source_page": 6
      },
      "premium_term_options": [
        {
          "label": "3 years (Fixed)",
          "description": "Fixed minimum investment period of 3 years. Basic regular premium cannot be changed during the minimum investment period. Yearly minimum S$10,000; monthly minimum S$834.",
          "source_page": 6
        },
        {
          "label": "5 years (Fixed)",
          "description": "Fixed minimum investment period of 5 years. Basic regular premium cannot be changed during the minimum investment period. Yearly minimum S$10,000; monthly minimum S$834.",
          "source_page": 6
        },
        {
          "label": "5 years (Flexible)",
          "description": "Flexible minimum investment period of 5 years. Basic regular premium can be increased or decreased from the 4th policy year onwards. Yearly minimum S$12,000; monthly minimum S$1,000.",
          "source_page": 6
        },
        {
          "label": "10 years (Fixed)",
          "description": "Fixed minimum investment period of 10 years. Basic regular premium cannot be changed during the minimum investment period. Yearly minimum S$3,600; monthly minimum S$300.",
          "source_page": 6
        },
        {
          "label": "10 years (Flexible)",
          "description": "Flexible minimum investment period of 10 years. Basic regular premium can be increased or decreased from the 4th policy year onwards. Yearly minimum S$6,000; monthly minimum S$500.",
          "source_page": 6
        },
        {
          "label": "20 years (Flexible)",
          "description": "Flexible minimum investment period of 20 years. Basic regular premium can be increased or decreased from the 11th policy year onwards. Yearly minimum S$2,400; monthly minimum S$200.",
          "source_page": 6
        }
      ],
      "premium_review_clause": {
        "reviewable": false,
        "source_page": 7
      }
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "No paid-up option described; policy continues on premium holiday with fees deducted from account value until account value is exhausted.",
        "available": false
      },
      "source_page": 9,
      "extended_term": {
        "text": "Not described in the document.",
        "available": false
      },
      "automatic_premium_loan": {
        "text": "Not described in the document.",
        "available": false
      }
    },
    "suicide_clause": {
      "source_page": 13,
      "payout_within_period": "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. We will refund without interest, the account value of the policy based on the unit price on the next appropriate fund valuation date immediately following the date We receive the death claim notification, less any amount of Welcome Bonus and Loyalty Bonus paid from the policy issue date or the date of the last reinstatement of the policy (whichever is later) and any amounts owing to Us.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "product_full_name": "Singlife Savvy Invest II",
      "insurer_legal_entity": "Singapore Life Ltd.",
      "document_published_date": "December 2025",
      "product_summary_pdf_url": "https://www.singlife.com"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 5,
      "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. Terminal Illness in the presence of Human Immunodeficiency Virus (HIV) infection is excluded."
    }
  },
  "confidence_tier": "verified"
}