What is Singlife Singapore

Singlife is a Singapore-based digital-first life insurer offering term life, whole life, critical illness, total and permanent disability, personal accident, maternity, home, motor and travel cover, alongside group insurance schemes for MINDEF, MHA and POGIS members, plus the Singlife Account wallet that combines a Mastercard multi-currency debit card with save and invest features. Following the 2020 merger with Aviva Singapore and Aviva's subsequent exit to Sumitomo Life in 2023, Singlife's product shelf covers most retail insurance categories a SG household typically shops for. Cover terms depend on the specific plan and applicant profile; refer to the product summary and policy contract on singlife.com and the current published rate on shopback.sg/singlife before purchase.

What is the Singlife Account

The Singlife Account is a mobile-first wallet that pairs a Mastercard multi-currency debit card with save and invest features inside the Singlife app. SG residents can open the account via MyInfo, transfer funds via PayNow or FAST, spend on the debit card overseas in multiple currencies, and access Singlife Save (an insurance savings plan that gives up to 3.0% p.a. return on the first S$10,000, subject to terms) alongside investment options via the dollarDEX platform. Members also earn Singlife Rewards through the app. Rates, caps and eligibility change from time to time and are set out in the account terms on singlife.com. Route through ShopBack Singapore for cashback on eligible signup and policy actions at the current published rate on shopback.sg/singlife.

Singlife Term Life vs Whole Life

Term life plans like MyProtector-Term Life cover the insured for a fixed term (for example 20 years or up to age 65 or 85) with no cash value at the end of the term; premiums are typically lower for the same sum assured. Whole life plans provide lifetime cover and build a cash value component over time; premiums are typically higher. For SG shoppers optimising for high sum-assured coverage during working years (mortgage and dependants), term life is usually cheaper per dollar of cover; for shoppers wanting lifetime cover plus a cash-value component, whole life fits better. Both are available on singlife.com and eligibility depends on health declarations and underwriting; see the product summary and policy contract for the full terms.

Singlife Critical Illness cover

Singlife offers standalone and rider-based critical illness cover, including MyEarlyPayCare for early-stage conditions and MyProtector-Cancer Care for cancer-specific cover. Definitions and payout stages follow the Life Insurance Association Singapore standard critical illness definitions where applicable. SG shoppers commonly stack early-stage plus advanced-stage cover to smooth the payout curve across a diagnosis timeline. The exact list of covered conditions, waiting periods, exclusions and payout percentages are set out in the product summary on singlife.com. Verify the current cashback rate for Singlife on shopback.sg/singlife before applying.

Singlife Personal Accident and TPD

Singlife Personal Accident cover pays a lump sum on accidental death, dismemberment or permanent disablement caused by accident; some plans include medical reimbursement and daily hospital income riders. Total and Permanent Disability (TPD) cover typically sits as a rider on a term or whole life base plan and pays out on loss of use meeting the policy TPD definition. SG shoppers with dependants and mortgage obligations often add TPD alongside term life. Definitions, waiting periods and claim conditions vary between plans; see the specific product summary on singlife.com.

Singlife Home, Motor, Maternity and Travel insurance

Singlife offers general and specialty insurance categories alongside the life shelf: Home (buildings and contents cover for HDB and private homes), Motor (comprehensive and third-party car and motorcycle cover, including NCD protection add-ons), Maternity (cover for mother and baby during pregnancy, on singlife.com), and Travel (single-trip and annual multi-trip plans with medical, trip cancellation and baggage cover on selected plans). SG travellers typically compare Singlife Travel against FWD, MSIG, Allianz Travel and Great Eastern for shorter Asia trips versus long-haul Europe or US trips. Policy wording and exclusions live on singlife.com; current cashback rate lives on shopback.sg/singlife.

Singlife vs FWD, Great Eastern, Prudential, AIA

For SG shoppers comparing insurers, Singlife (digital-first, Singlife Account wallet, direct-to-consumer term and CI plans) sits alongside FWD (digital-first, quick online underwriting), Great Eastern and Prudential Singapore (traditional bancassurance and tied-agent distribution with wide rider shelves), AIA Singapore (tied-agent distribution, wide whole life and ILP shelf), Manulife (bancassurance, ILP focus), NTUC Income (cooperative structure, wide general insurance) and Etiqa (Maybank-linked, competitive travel and motor pricing). The right pick depends on advisor preference, plan structure and premium at the applicant's age and health profile. Get quotes on singlife.com, then activate ShopBack Singapore before clicking through for cashback at the current published rate on shopback.sg/singlife.

Singlife payment methods

For Singlife premium payments, SG customers can typically pay by credit or debit card, PayNow QR to a designated Singlife PayNow ID for the specific policy, or GIRO for recurring monthly, quarterly or annual premium schedules. The Singlife Account wallet itself is topped up via PayNow or FAST transfer to the wallet account number. Payment methods and premium modes vary by plan (some plans require GIRO for monthly mode) and are confirmed at the checkout or policy-issuance stage on singlife.com. Cashback tracking is unaffected by payment method as long as the click-through originates from ShopBack Singapore.

Is Singlife the same as Aviva Singapore

Following the 2020 merger of Singlife with Aviva Singapore, existing Aviva Singapore policies were migrated onto the combined Singlife platform. Aviva subsequently exited the Singlife joint venture in 2023, selling its stake to Sumitomo Life Insurance Company. Legacy Aviva plan names and terms continue to be honoured according to the original policy contract; new policies are issued under the Singlife brand. For SG shoppers currently holding legacy Aviva Singapore policies, the customer portal and app have migrated to Singlife. This is a brief structural note only; for policy servicing and claim questions, use the Singlife customer channels on singlife.com.

How long does Singlife underwriting take

Singlife's digital-first onboarding means simpler plans (short-form travel cover, personal accident, some MyProtector variants) can typically be issued near-instantly after online health declarations, subject to the specific plan's underwriting rules. Higher sum-assured life, critical illness and TPD applications typically require a longer questionnaire and may trigger a request for medical reports or a nurse visit, which can extend the underwriting timeline to a few weeks. Non-standard risks (existing conditions, high sum-assured, occupational loading) can take longer. The exact timeline is confirmed by the Singlife team during application on singlife.com.

Singlife MINDEF, MHA and POGIS group insurance schemes

Singlife administers group insurance schemes for members of MINDEF, MHA and POGIS and their dependants, including Core Scheme cover and voluntary top-up options. Servicemen, home team officers, and other eligible members can access their group policies and claims flow through the Singlife app. Details, eligibility and voluntary scheme options are published on singlife.com.

How does Singlife Rewards work

Singlife Rewards is the loyalty programme inside the Singlife app that gives members access to merchant deals, perks and periodic promotional offers alongside their policy or Singlife Account use. Reward mechanics and merchant partners rotate over time. Current programme terms are on singlife.com.

Singlife free-look and cancellation

Life and long-term insurance policies issued in Singapore typically include a 14-day free-look period from policy delivery, during which the policyholder can cancel and receive a refund of premiums paid (subject to medical or underwriting cost deductions where applicable per the plan). After the free-look, cancelling term life ends cover from the cancellation date with no cash value; cancelling whole life or endowment early usually returns only the surrender value, which can be less than premiums paid in the early policy years. The full free-look and cancellation terms are in the policy contract on singlife.com. Cashback on refunded or free-look-cancelled policies is forfeited per ShopBack Singapore's terms.

How to activate cashback on Singlife Singapore

To earn cashback on Singlife, sign in to ShopBack Singapore, open the Singlife merchant page above, and click through to singlife.com. Complete the quote and application in the same browser session without switching to other comparison sites, and complete any required health declarations and identity verification through MyInfo where prompted. Cashback tracking uses cookies, so accept all cookies on singlife.com and avoid ad blockers or VPNs during the flow. Eligible actions and the current published rate are shown in the rate table on shopback.sg/singlife.

How does Singlife cashback tracking work in Singapore

After clicking through to singlife.com from ShopBack Singapore and completing an eligible action (typically policy issuance or Singlife Account signup), the record is submitted to ShopBack Singapore by Singlife and appears as pending cashback in the ShopBack Singapore wallet. Cashback confirms after the plan's cooling-off or free-look period closes and the policy is fully in force. Free-look-cancelled, lapsed or refunded policies do not earn cashback, and switching plans mid-application can affect tracking eligibility. Sticking to a clean single-session click-through and the eligible actions listed on shopback.sg/singlife are the most reliable ways to protect tracking.

Insurance

Singlife

Up to $50 Cashback

Motor

$50

Home 3-year policy

$25

Travel - Annual Plan

$20

View 3 more

Cashback timeline

Purchase

Tracked in

2 days

Confirmed in

90 days

Terms and exclusions

Exclusions

You won't get Cashback on:

Merchant App orders
Any Gift Card, Voucher or store credit purchase
Fees · Taxes · Service charges

Refunds, cancellations and no-shows

Any rejected, cancelled, refunded, exchanged or returned purchases will not be eligible for Cashback.

Other terms and conditions

Singlife terms and conditions

Only the insurance policies listed with its respective cashback rate are eligible for Cashback
This promotion is for referral purposes only and should not be considered financial advice. ShopBack is not a licensed financial adviser under the Financial Advisers Act
ShopBack may receive a commission for each successful purchase through the link provided
This advertisement has not been reviewed by the Monetary Authority of Singapore

ShopBack terms of use

Never miss Cashback on Singlife

Get instant alerts on Cashback when you shop online with the ShopBack extension.

Finance

Motor Insurance

Home Insurance

Travel Insurance

Deals & Discounts

Singlife

Motor Insurance - Click here to get a quote for Motor Insurance from Singlife

Singlife

Home Insurance - Click here to get a quote for Home Insurance from Singlife

Singlife

Travel Insurance - Click here to get a quote for Travel Insurance from Singlife

Cashback tips

Restart from this platform every time
Complete your shopping in one go: Always start from this platform to visit the store directly, for every new transaction. If your store visit is interrupted by an app update or download screen, restart your shopping from our platform.

Don't use adblockers or click on other links
Don't click on any third party links or extensions or use VPN or adblocking software, as they could result in your Cashback not being tracked. Some examples include: Facebook ads, Google Ads, other loyalty or cashback extension links.

Restart from this platform if payment fails
If you encounter payment errors during your purchase, you should restart your visit to the Singlife from this platform to ensure that your Cashback continues to be tracked.

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Singlife Singapore on ShopBack

How long does Singlife cashback take to confirm in ShopBack?

Singlife cashback typically shows as pending in your ShopBack account within 48 hours of the transaction, then moves to confirmed after Singlife's return and validation window, usually within 60 to 90 days. Track status under the Orders tab in the ShopBack app or web account.