Singapore · Topic
Reinstatement across Singapore life insurance products
Conditions and time-window for reinstating a lapsed policy.
21 of 50 active products on the policy library surface a value for this topic. Each value is extracted from the insurer's Product Summary on compareFIRST.sg.
{"conditions":"Unless your Policy has been terminated as described in paragraphs (i), (ii), (iii), or (vi) of section 7.5, the policy may be reinstated within 5 years from the date that the policy is lapsed, subject to satisfaction of our terms and conditions. For reinstatement, you are required to back-pay all outstanding past regular premiums that were due.","source_page":6,"window_years":5}
{"conditions":"If the policy has lapsed due to unit depletion and has not been surrendered for its cash surrender value, the policy may be reinstated within 5 years from the date that the policy is lapsed, subject to satisfaction of our terms and conditions. For reinstatement, you are required to back-pay all outstanding past regular premiums and all fees and charges (where applicable) that were due.","source_page":8,"window_years":5}
{"conditions":"If the policy has lapsed due to unit depletion and has not been surrendered for its cash surrender value, the policy may be reinstated within 5 years from the date that the policy is lapsed, subject to satisfaction of our terms and conditions. For reinstatement you will not be required to back-pay, and we will not accept any payment for past regular premiums that were due during the lapsed period of the policy.","source_page":4,"window_years":5}
{"conditions":"you may reinstate the policy within 3 years from the date it lapsed and usual reinstatement conditions apply.","source_page":7,"window_years":3}
{"conditions":"reinstatement of this policy is allowed within 6 months from the lapse date and the usual reinstatement conditions apply.","source_page":3,"window_years":0.5}
{"conditions":"reinstatement of the policy is allowed within 3 years from the lapse date and the usual reinstatement conditions apply.","source_page":4,"window_years":3}
{"conditions":"You may reinstate the policy within 6 months from the date it lapsed and usual reinstatement conditions apply.","source_page":8}
{"conditions":"You may reinstate the policy within 3 years from the lapse date and usual reinstatement conditions apply. Please note that reinstatement will require a declaration of the health status. For policies which are issued on simplified underwriting basis: You may reinstate the policy within 6 months from the lapse date and usual reinstatement conditions apply. Please note that reinstatement will require a declaration of the health status.","source_page":14,"window_years":3}
{"conditions":"If the policy lapses because it does not have enough net surrender value, you may reinstate it within 3 years from the date it lapses and usual reinstatement conditions apply.","source_page":7,"window_years":3}
{"conditions":"reinstatement of the policy is allowed within 6 months from the lapse date and the usual reinstatement conditions apply.","source_page":2,"window_years":0.5}
{"conditions":"You may reinstate the policy within 6 months from the lapse date and usual reinstatement conditions apply.","source_page":14,"window_years":0.5}
{"conditions":"If the policy lapses because it does not have enough net surrender value, you may reinstate the policy within 6 months from the date it lapsed and usual reinstatement conditions apply.","source_page":9}
{"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 risk…
{"conditions":"you can reinstate this policy and its riders (if any) within 36 months by paying the premiums you owed 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 at the time of application, then you need not give us satisfactory proof of the insured's good health.","source_page":10,"window_years":3}
{"conditions":"If this policy and its riders (if any) end during the accumulation period because there is not enough cash value, you can reinstate this policy and its riders (if any) 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 at the time of application, then you need not give us satisfactory proof of the insured's good health.","source_page":10…
{"conditions":"If this policy and its riders (if any) end due to insufficient cash value, reinstatement of this policy and its riders (if any) is allowed within 36 months by paying the premiums owed along with interest. Satisfactory proof of the insured's good health has to be provided 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 at the time of application, then you need not give us satisfactory proof of the insured's good health.","source_page":9,"window_years":3}
{"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 terms 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 ris…
{"conditions":"If this policy and its riders (if any) end because you have not paid the premium, you can reinstate this policy and its riders (if any) 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.","source_page":4,"window_years":3}
{"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}
{"conditions":"you apply within 24 months from the end date of your policy; you pay all the premiums you owe; the life assured is under 60 years old; and you give us satisfactory evidence of the health of the life assured. You must pay the costs involved in this.","source_page":11,"window_years":2}
{"conditions":"If you chose to reinstate the policy by only paying current premium, then in the future, you cannot choose to pay any of the previously unpaid premiums due during the premium holiday period to receive the premium holiday charge refund.","source_page":12}
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