Singlife

Singlife is a Singapore digital-first life insurer covering term life, critical illness, accident, home, motor and travel, so compare the cover you need, then apply through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code. Following the 2020 merger with Aviva Singapore and Aviva's subsequent exit to Sumitomo Life, 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.

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 with a published return on eligible balances, 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.

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 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 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 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.

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.

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.

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, 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.

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 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.

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.

Life and long-term insurance policies issued in Singapore typically include a 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.

Go through ShopBack Singapore before you pay and the Cashback tracks to your ShopBack account. Open the Singlife page above, click through to singlife.com and complete the quote and application, including any health declarations and identity verification through MyInfo where prompted. Eligible actions and the current rate are shown in the rate table on shopback.sg/singlife.

After you click through to singlife.com from ShopBack Singapore and complete an eligible action (typically policy issuance or Singlife Account signup), Singlife submits the record to ShopBack and it appears as pending Cashback in your ShopBack wallet. Cashback confirms after the plan's cooling-off or free-look period closes and the policy is fully in force. The eligible actions are listed on shopback.sg/singlife.

Track status under the Orders tab in the ShopBack app or web account.

Singlife publishes its current travel insurance promo codes on its own Travel Insurance page and Promotions page, and you enter the code when you get a quote on singlife.com. Each code runs for a set period with an end date, and Singlife has used separate codes for single trip plans and annual multi-trip plans, so check which plan type a code covers before you buy. MINDEF, MHA and POGIS insured members and their families get an additional 15% off Singlife Travel Insurance. Go through ShopBack before you get your quote, and check the live amount on this page.

Singlife lists each promotion with its own end date on the product page and on its Promotions page, which groups offers into Medical and Life Insurance, Lifestyle Insurance (car, home and travel), MINDEF, MHA and POGIS, and Save and Invest, so check there for what is running. For travel insurance, waiting for 11.11 rarely makes sense: buy cover soon after you book the trip, because a policy cannot cover a problem that happens before you bought it. For car insurance, your renewal date sets the timing, not the sale calendar. Whenever you buy, go through ShopBack first and check the live amount on this page. read more

Singlife's No Claims Discount (NCD) takes 10% off your car insurance premium for each year you go without a claim, and it builds up at renewal to a maximum of 50%, according to Singlife's car insurance FAQ. An at-fault claim lowers it at renewal: for a driver on 50% NCD, one at-fault claim drops it to 40% on the Motor Standard and Motor Prestige plans, or to 20% on the Motor Lite plan. If Singlife confirms you were not at fault, it does not reduce your NCD. Drivers on 30% NCD or more can add the optional NCD Protector rider, which protects the NCD for one claim during the period of insurance. read more

Singlife is the brand of Singapore Life Ltd., a Singapore insurer, and its travel insurance page states that the policy is protected under the Policy Owners' Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC). Whether it is good value depends on the plan: compare the cover limits, exclusions and excess in the policy wording against the premium for your own trip or car, rather than the headline discount. On travel insurance, Singlife offers Travel Lite, Travel Plus and Travel Prestige plans and pays claims via PayNow to an account linked to your NRIC or FIN. Go through ShopBack before you get a quote, and check the live amount on this page. read more

You pay less for Singlife by using the discounts you qualify for and going through ShopBack before you buy. Start from ShopBack, then on singlife.com apply the current promo code shown on the product page when you get your quote. If you are a MINDEF, MHA or POGIS insured member, Singlife gives an additional 5% off car insurance and 15% off travel insurance. On car insurance, keep your No Claims Discount growing, since each claim-free year adds 10% up to 50%. If you travel several times a year, price an annual multi-trip plan against separate single trip plans. Check the live amount on this page before you pay.

Some Singlife offers are for new customers only: Singlife sets eligibility for each promotion, and its car insurance promo code terms, for example, have stated that the code applies to new customers only. Read the terms under each offer on the product page or Promotions page on singlife.com to see who it covers. Existing customers have a separate Customer Rewards section on singlife.com with rewards, birthday offers and MINDEF and MHA exclusives. Whichever applies to you, go through ShopBack before you buy and check which policies count on this page.

Plan the trip, then book through ShopBack: once your flights and hotel are booked, go through ShopBack before you buy your Singlife travel policy, just as you would before booking the flights and hotel. Going through ShopBack is an essential step before you pay, and buying cover soon after you book means the policy is in place before anything can go wrong. Check the live amount and which policies count on this page.

ShopBack is a post-purchase discount: go through it before you pay for an eligible Singlife policy and the effective price drops. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles. Your effective price is the premium you paid minus the cash that comes back once the policy is confirmed. Check the live amount and which policies count on this page.

ShopBack's guides on Singlife cover what a trip insurance plan includes and leaves out, whether trip insurance can be cheap and insurance plans for existing health issues: What Does Travel Insurance Cover in Singapore 2026, and What Isn't?, Cheap Travel Insurance Singapore 2026: Can You Get Money Back Online? and Which SG Travel Insurance Covers Pre-Existing Conditions in 2026?.