The master list of sources is the list of official documents and public pages cited by term.com.sg, grouped by organisation with title, date, link and purpose, for readers and AI assistants to verify. This list consolidates the sources across the site; each page also lists its own specific sources and dates at the end, and where the two differ, the sources and dates at the end of the page govern. Verification date: 22 Oct 2026.
Verification status key
| Mark | Meaning |
|---|---|
| Verified against source 22 Oct 2026 | The official web page or PDF was opened and the relevant figures and wording checked against the original |
| Verified at compilation stage 22 Oct 2026 | Verified when the page list was compiled; the original was not reopened during writing |
| Partly verified | The main figures or wording are supported by an official source, but the section number, effective date or form page still needs manual checking |
| Second-hand, to be verified | Figures come from media or a third-party repost; the original release by the organisation must be checked before citing |
| To be verified | The official site refuses automated retrieval, the section number is unchecked, or only a search snippet was seen; no figures are cited in the body text |
Usage rules: every figure carries its unit, currency, date and source; for sources marked "undated page", the date is the date this site accessed it; official pages are updated over time, and the organisation's current publication governs; this site does not use internal sales expense tables, channel terms or unpublished product quotations.
1. Regulation and legislation (MAS, Singapore statutes)
Regulatory sources are used to explain the institutional background to the free-look period, nomination of beneficiaries, insurable interest, intermediary disclosure and Direct Purchase Insurance (DPI). Singapore Statutes Online (SSO) returns 403 to automated retrieval, so the relevant provisions must be opened and checked manually; the section numbers for section 132 (trust nomination) and section 133 (revocable nomination) of the Insurance Act were checked indirectly through the statutory references on insurers' nomination forms, and the body text always states how they were verified.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| MAS | Consumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions (compareFIRST and DPI media release) | 2015-03-31 | www.mas.gov.sg/news/media-releases/2015/comparefirst-an… | Origin of compareFIRST and DPI, the collaborating parties and the effective date (2015-04-07) | Verified against source 22 Oct 2026 |
| MAS | MAS Publishes Inaugural List of Domestic Systemically Important Insurers in Singapore | 2023-09-21 | www.mas.gov.sg/news/media-releases/2023/mas-publishes-i… | Insurance regulatory background: the first D-SII list and the framework effective 2024-01-01 | Verified against source 22 Oct 2026 |
| MAS | MAS Notice 120 and Notice FAA-N03 (intermediary disclosure obligations, including free-look period and product summary disclosure) | Revised 2022-06-01; revised 2018-10-05 | www.mas.gov.sg/-/media/mas-media-library/regulation/not… | Intermediaries' obligations to disclose the free-look period, product summary and policy illustration; paragraph numbers to be verified | To be verified |
| Singapore Government (SSO) | Insurance (General Provisions) Regulations, regulation 8 (free-look period) | Revision date to be verified | sso.agc.gov.sg/SL/IA1966-RG17?DocDate=20041231&ProvIds=… | Statutory basis for a free-look period of not less than 14 days; the 14-day position is also supported by MoneySense and LIA, and the refund deduction paragraph remains to be checked against the original | Partly verified |
| Singapore Government (SSO) | Insurance Act 1966, Nomination of Beneficiaries part | — | sso.agc.gov.sg/Act/IA1966?ProvIds=P1IIIC- | Legal framework for trust and revocable nominations; sections 132/133 checked indirectly through the nomination regulations and insurers' forms, and the LIA nomination guide also cites section 150 for the "proper claimant"; original text to be checked manually on SSO | Partly verified |
| Singapore Government (SSO) | Insurance (Nomination of Beneficiaries) Regulations 2009 (S 390/2009) and the 2023 amendment (S 502/2023) | 2009; 2023-07-10 | sso.agc.gov.sg/SL/IA1966-S390-2009 | Form, witnessing and revocation procedures for nominations; indirect basis for checking section numbers | Partly verified |
| Singapore Government (SSO) | Insurance Act 1966, insurable interest provisions | — | sso.agc.gov.sg/Act/IA1966 | Insurable interest requirement; section number to be verified, and the body text says only that insurable interest is required under the Insurance Act and insurers' rules | To be verified |
| Singapore Government (SSO) | Income Tax (International Tax Compliance Agreements) (Common Reporting Standard) Regulations 2016 (S 621/2016) | 2016 | sso.agc.gov.sg/SL/ITA1947-S621-2016 | The CRS regulations themselves; the treatment of pure-protection term life follows the fifth edition of the IRAS guide (see the tax section), and the provisions of these regulations are to be verified | To be verified |
2. Consumer education (MoneySense and LIA)
This group is the site's main source: MoneySense is the national financial education programme led by MAS, and LIA is the Life Insurance Association Singapore. For pages marked "undated page", the date is the date this site accessed them. The current edition of the LIA industry code (COLIP) is Dec 2021 v2.0, which is cited uniformly across the site; the Jun 2018 edition is retained in this list for comparison only; other guides are cited in the current edition on the LIA website.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| MoneySense (MAS) | Understanding term insurance | Updated 2026-09-28 | www.moneysense.gov.sg/term-insurance/ | Definition of term life, term (5 to 40 years), level and decreasing, renewal/conversion, DPS overview (maximum S$70,000, worldwide cover) | Verified against source 22 Oct 2026 |
| MoneySense (MAS) | Life insurance: Comparing term and bundled products | Updated 2026-09-28 | www.moneysense.gov.sg/term-vs-whole-life/ | Comparison of term and bundled products on premium, cash value and who bears the risk | Verified at compilation stage 22 Oct 2026 |
| MoneySense (MAS) | Basic Financial Planning Guide (Your Financial Basics) | Updated 2026-10-16 | www.moneysense.gov.sg/planning-your-finances-well/ | Protection rules of thumb: death/TPD about 9x annual income, critical illness about 4x, protection spending no more than 15% of income | Verified against source 22 Oct 2026 |
| MoneySense (MAS) | Buying Direct Purchase Insurance | Updated 2026-09-28 | www.moneysense.gov.sg/buying-direct-purchase-insurance/ | DPI term sums assured S$50,000–S$400,000, entry ages and terms | Verified against source 22 Oct 2026 |
| MoneySense (MAS) | Understanding life insurance | Updated 2026-09-28 | www.moneysense.gov.sg/life-insurance/ | Duty of disclosure, questions to ask before buying | Verified against source 22 Oct 2026 |
| MoneySense (MAS) | Interpreting your insurance documents | Updated 2026-05-11 | www.moneysense.gov.sg/interpreting-your-insurance-docum… | 14-day free-look period; order in which to read the policy summary and policy illustration | Verified against source 22 Oct 2026 |
| LIA Singapore | Your Guide to Life Insurance (YGTLI) v2.0 | 2020-05 edition (PDF includes the 2024-07-01 FIDReC limit update) | www.lia.org.sg/media/4290/ygtli-english-may-2020-v20.pdf | General policy terms: contestability period, suicide, misstatement of age, grace period, reinstatement, assignment, FIDReC | Verified against source 22 Oct 2026 |
| LIA Singapore | Your Guide to Nomination of Insurance Nominees (YGTNIN) v1.0 | 2026-03 | www.lia.org.sg/media/4815/ygtnin-english-2026.pdf | Difference between trust and revocable nominations, which policy types allow nomination (including DPS), the S$150,000 proper claimant rule where there is no nomination | Verified against source 22 Oct 2026 |
| LIA Singapore | Guide on Submission of Death Claims to Life Insurer for Assessment (Death Claim Infographic v1.0) | 2025-11 | www.lia.org.sg/media/4708/infographic-guide-on-submissi… | Basic documents for death claims and additional documents by circumstance | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA Code of Life Insurance Practice (COLIP) December 2021 (v 2.0) | 2021-12 (LIA page dated 2024-07-22) | www.lia.org.sg/media/4293/lia-colip-english-dec-2021-v-… | Current industry code: free-look period, claim timelines, proper claimant, restrictions on assignment, policy enquiry, complaint timelines | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA Code of Life Insurance Practice (COLIP) June 2018 | 2018-06 (superseded) | www.lia.org.sg/media/1381/lia_colip_english_june2018.pdf | Superseded code; consistent with the Dec 2021 edition on free-look, claim timelines and similar clauses, and the Dec 2021 edition governs when cited; the old edition had an "unclaimed benefits register" clause, replaced in the new edition by "policy enquiry" | Verified against source 22 Oct 2026 |
| LIA Singapore | Making A Claim (consumer page) | Undated page, accessed 2026-10-22 | www.lia.org.sg/consumers/making-a-claim/ | Claim steps and timelines; LIA has no authority to enquire of insurers on a family's behalf | Verified against source 22 Oct 2026 |
| LIA Singapore | Insurance Terms (online glossary) | Undated page, accessed 2026-10-22 | www.lia.org.sg/tools-and-resources/insurance-terms/ | Terminology for trust and revocable nominations, free-look period, grace period, waiting period, disability income insurance and others | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA Guide to Medical Underwriting for Life Insurance v3.0 | 2024-04 | www.lia.org.sg/media/4295/lia-guide-to-medical-underwri… | Underwriting principles, factors considered, medical examination costs, four underwriting outcomes, 10 illustrative cases, complaint timelines | Verified against source 22 Oct 2026 |
| LIA Singapore | MU 63/18 Direct Purchase Insurance Guidelines | 2018-06-29 | www.lia.org.sg/media/1482/mu-6318-dpi-guidelines.pdf | Standardised DPI parameters and common exclusion categories | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA Critical Illness (CI) Framework 2024, MU 58/25 Part 1 | 2025-05-13 | www.lia.org.sg/media/4549/lia-ci-framework-2024-part-1-… | Definitions of 37 severe-stage critical illnesses; the 2024 version applies to new products from 2025-10-01 | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA CI Framework 2024, MU 58/25 Part 4 (summary of changes) | 2025-05-13 | www.lia.org.sg/media/4552/lia-ci-framework-2024-part-4-… | Number of revisions and title changes in the 2024 version relative to the 2019 version | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA CI Framework 2019, MU 58/22 Part 1 | 2019 version (effective date 2020-08-26 to be verified) | www.lia.org.sg/media/3669/mu-5822-part-1-of-4-_lia-ci-f… | The 2019 CI framework and the version applicable to older policies; effective date to be checked against the original | To be verified |
| LIA Singapore | A Guide to Mortality and Critical Illness Coverage in Singapore (companion guide to the 2017 Protection Gap Study) | 2018-04 | www.lia.org.sg/media/1525/180426_lia_mortality_and_ci_1… | Purposes of death and critical illness cover; critical illness cover designed around an assumed 5-year recovery period | Verified at compilation stage 22 Oct 2026 |
| LIA Singapore | 2022 Protection Gap Study – Key Findings | 2023-09-08 | www.lia.org.sg/media/3973/lia-pgs-2022-key-findings_fin… | Mortality protection gap 21%, critical illness gap 74%, rules of thumb of 9 to 10x and 4x income, seven categories of household need | Verified against source 22 Oct 2026 |
| LIA Singapore (reposted on the MSIG website) | LIA 2022 Protection Gap Study press release | 2023-09-08 | www.msig.com.sg/sites/msig_sg/files/lia-pgs-2022-press-… | Supplementary figures such as the absolute critical illness gap; a repost, so check the LIA original before citing | Second-hand, to be verified |
3. CPF and government schemes
Figures for DPS, HPS and CareShield Life come solely from CPF Board official pages and news releases, with effective dates noted. DPS premiums are deducted from CPF savings; the CPF page does not specify the order of accounts for deduction, and the body text makes no inference.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| CPF Board | CPF members to enjoy higher sum assured, increased coverage for Dependants' Protection Scheme | Page has no release date; footer updated 2024-06-25 (effective 2021-04-01) | www.cpf.gov.sg/member/infohub/news/news-releases/cpf-me… | DPS sums assured (S$70,000/S$55,000) and annual premium table, covered events, insurer | Verified against source 22 Oct 2026 |
| CPF Board | CPF Board extends Great Eastern Life's contract as Dependants' Protection Scheme administrator to 2028 | 2025-05-26 | www.cpf.gov.sg/member/infohub/news/news-releases/cpf-bo… | Contract extended for 2025-10-01 to 2028-09-30; automatic cover and application rules; number of members covered | Verified against source 22 Oct 2026 |
| CPF Board | What is the Dependants' Protection Scheme? | Updated 2026-02-26 | www.cpf.gov.sg/service/article/what-is-the-dependants-p… | Automatic cover conditions, application at ages 16–20, opting out and rejoining, reduction of sum assured at 60 | Verified against source 22 Oct 2026 |
| CPF Board | How do I pay my Dependants' Protection Scheme premiums? | Updated 2026-02-26 | www.cpf.gov.sg/service/article/how-do-i-pay-my-dependan… | Premiums deducted from CPF savings; proportionate reduction of sum assured where savings are insufficient (minimum S$5,000), cash top-up and GIRO | Verified against source 22 Oct 2026 |
| CPF Board | Protecting against losing your home (Home Protection Scheme) | Updated 2026-03-18 | www.cpf.gov.sg/member/home-ownership/protecting-against… | HPS eligibility, cover period, premium, share of cover, exemption conditions and refund rules, termination | Verified against source 22 Oct 2026 |
| CPF Board | CareShield Life | Updated 2026-09-21 | www.cpf.gov.sg/careshieldlife | Severe disability definition (3 of 6 activities of daily living), automatic cover and premium payment period | Verified against source 22 Oct 2026 |
| Promote Mandarin Council | Singaporean Mandarin Database: Dependants' Protection Scheme (DPS) / Home Protection Scheme (HPS) | Accessed 2026-10-22 | www.languagecouncils.sg/mandarin/en/learning-resources/… | Standard Chinese names for DPS and HPS (this site uses 家属保障计划 and 家庭保障计划 throughout) | Verified against source 22 Oct 2026 |
| CPF Board | Home Protection Scheme Handbook (Chinese edition) | Accessed 2026-10-22 (PDF undated) | www.cpf.gov.sg/content/dam/web/member/home-ownership/do… | Official use of the Chinese name 家庭保障计划 for HPS | Verified at compilation stage 22 Oct 2026 |
4. Tax (IRAS)
Tax sources are used only to show where the rules come from. Whether premiums are deductible and whether payouts are taxable depend on the facts and IRAS review; this site draws no conclusion, and professional tax advice is recommended. On CRS, sections 8.5.1 and 9.5 of the fifth edition of the IRAS guide (2026-08-11) exclude qualifying term life contracts from cash value insurance contracts; products with cash value, return of premium or accessible value follow the insurer's reporting position.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| IRAS | e-Tax Guide: Deductibility of “Keyman” Insurance Premiums (Third Edition) | 2026-01-30 (first edition 2012-06-29, second edition 2023-08-29) | www.iras.gov.sg/media/docs/default-source/e-tax/deducti… | Five conditions for deductibility of key-man premiums, taxation of payouts, group insurance footnote | Verified against source 22 Oct 2026 |
| IRAS | Tax Treatment of Business Expenses (G-L) | Updated 2026-10-16 | www.iras.gov.sg/taxes/corporate-income-tax/income-deduc… | Tax treatment of group term life premiums and payouts, revenue-nature and capital-nature payouts | Verified against source 22 Oct 2026 |
| IRAS | Estate Duty | Updated 2026-03-09 | www.iras.gov.sg/taxes/other-taxes/estate-duty/estate-du… | No estate duty on deaths on or after 2008-02-15 | Verified against source 22 Oct 2026 |
| IRAS | Life Insurance Relief | Updated 2026-08-10 | www.iras.gov.sg/taxes/individual-income-tax/basics-of-i… | Conditions and amount calculation for personal life insurance relief | Verified against source 22 Oct 2026 |
| IRAS | e-Tax Guide: Common Reporting Standard (Fifth Edition) | 2026-08-11 | www.iras.gov.sg/media/docs/default-source/e-tax/iras-co… | Sections 5.11.5, 8.5.1 and 9.5: qualifying term life contracts are not cash value insurance contracts | Verified against source 22 Oct 2026 |
| IRAS | Common Reporting Standard (CRS) overview and latest developments | Accessed 2026-10-22 | www.iras.gov.sg/taxes/international-tax/common-reportin… | Entry point to the editions of the CRS guide | Verified at compilation stage 22 Oct 2026 |
5. Industry data and statistics
Market and population data are used for background only, not for recommendations or forecasts. The MOM median income is used only as the basis for an illustrative sum assured calculation and does not represent any individual or household.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| LIA Singapore | Singapore's life insurance sector achieves 11.3% growth for 2025 with S$6.53 billion Total Weighted New Business Premiums | 2026-02-11 | www.lia.org.sg/media/4789/20260211_lia-4q2025-results_m… | 2025 new business premiums, channel mix, total death/TPD/critical illness payouts of S$2.05 billion | Verified against source 22 Oct 2026 |
| LIA Singapore | LIA 3Q2025 results media release | 2025-11-12 | www.lia.org.sg/media/4698/20251112_lia-3q2025-results_m… | Total sum assured for the first three quarters of 2025 of S$114.6 B (+3.6%) | Verified against source 22 Oct 2026 |
| Singapore Department of Statistics (SingStat) | Death and Life Expectancy – Latest News & Data (Complete Life Tables 2024–2025) | 2026-06-03 | www.singstat.gov.sg/find-data/explore-data-themes/popul… | Resident life expectancy at birth of 83.9 years in 2025, and 21.6 years remaining at age 65 | Verified against source 22 Oct 2026 |
| Ministry of Manpower (MOM) | Labour Force in Singapore Advance Release 2025 (press release) | 2025-11-28 | www.mom.gov.sg/newsroom/press-releases/2025/1128-labour… | Median gross monthly income of full-time employed residents (including employer CPF) of S$5,775 in June 2025, used for illustrative sum assured calculations | Verified against source 22 Oct 2026 |
| Ministry of Manpower (MOM) | Labour Force in Singapore Advance Release 2025 (PDF report) | 2025-11-28 | stats.mom.gov.sg/iMAS_PdfLibrary/mrsd-labour-force-in-s… | As above, including real growth of 4.3% and the 20th percentile; opens in a browser, automated retrieval restricted (HTTP 403) | Partly verified |
| Ministry of Manpower (MOM) | Labour Force in Singapore 2025 (full report) | 2026-01-29 | stats.mom.gov.sg/Pages/Labour-Force-In-Singapore-2025.a… | Real growth of 4.1% in the full report; opens in a browser, automated retrieval restricted (HTTP 403), figures taken from the press release and PDF report | Partly verified |
6. Protection schemes, dispute resolution and comparison tools
Figures for PPF and FIDReC come from their websites and the consumer explanations of LIA and GIA. The SDIC PPF page is undated, so this site uses the access date.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| SDIC | Policy Owners' Protection Scheme – Entitlement | Undated page, accessed 2026-10-22 | www.sdic.org.sg/pp_entitlement/ | PPF caps of S$500,000 guaranteed sum assured and S$100,000 guaranteed surrender value, accelerated riders and examples | Verified against source 22 Oct 2026 |
| FIDReC (Financial Industry Disputes Resolution Centre) | Financial Industry Disputes Resolution Centre (website home page) | Accessed 2026-10-22 | www.fidrec.com.sg/ | Adjudication limit of S$150,000, free filing, mediation before adjudication; binding effect and time limits are in the Terms of Reference (KA-01002), original to be checked | Partly verified |
| GIA (General Insurance Association of Singapore) | What if I have a dispute with my insurer? | Accessed 2026-10-22 | gia.org.sg/help-support/insurance-disputes.html | Six-month time limit for bringing a case to FIDReC after the insurer's final reply, free filing; the limit change (2024-07-01) on the page is in the context of motor third-party property damage claims, and the date for insurance disputes follows the LIA guide | Verified against source 22 Oct 2026 |
| Singapore Law Watch (reposting The Straits Times) | Consumer financial disputes' claim limit to be raised to $150k | 2024 | singaporelawwatch.sg/Headlines/consumer-financial-dispu… | News background to the limit increase; a repost, used as corroboration only | Second-hand, to be verified |
| compareFIRST | compareFIRST (website home page) | Accessed 2026-10-22 | www.comparefirst.sg/ | Publicly available insurance product comparison tool: filter criteria and coverage, collaborating parties CASE, MAS, LIA and MoneySENSE | Verified at compilation stage 22 Oct 2026 |
7. Insurers' public material
Insurers' public pages and forms are used only to show that certain products contain a given clause mechanism, or the fields on underwriting and nomination forms in practice; in the body text they are always anonymised as "one insurer's product page/form" and marked with an "information as at" date, with no comparison of specific products and no recommendation; company and product names appear only in this list and in each page's sources list. Product pages for which only a search snippet was obtained and which are not cited in the body text are not included in this list.
| Organisation | Title | Date | Link | Purpose | Verification status |
|---|---|---|---|---|---|
| Great Eastern Life | Dependants' Protection Scheme (DPS insurer's public page) | Information as at 2023-08-01 | www.greateasternlife.com/sg/en/personal-insurance/our-p… | DPS renewal notice and grace period, opting out and rejoining, terminal illness and TPD definitions, revocable nomination | Verified against source 22 Oct 2026 |
| Great Eastern Life | GREAT Term 2 product page | Information as at 2026-08-17 | www.greateasternlife.com/sg/en/personal-insurance/our-p… | Example of how a conversion option works, and of foreigners applying through financial representatives | Verified at compilation stage 22 Oct 2026 |
| Singlife | Elite Term II product page | Information as at 2026-04-22 | singlife.com/en/life-insurance/elite-term-ii | Example of how guaranteed renewability and guaranteed convertibility clauses work; the body text makes no product comparison | Verified at compilation stage 22 Oct 2026 |
| HSBC Life (Singapore) | Financial Questionnaire (Personal Insurance) (form version NB FIP_SUQ Feb26) | 2026-02 | www.insurance.hsbc.com.sg/content/dam/hsbc/insn/documen… | Categories of information financial underwriting focuses on in practice: purpose of insurance, income and expenditure, assets and liabilities, dependants, existing cover, basis of the sum assured | Verified against source 22 Oct 2026 |
| Etiqa Insurance Singapore | Preliminary Underwriting Form (form reference EIPL/NB/UW/PRELIM/02/2025) | 2025-02 | etiqa.com.sg/wp-content/uploads/2025/03/Preliminary-Und… | Preliminary underwriting form fields: smoker status tick box, annual income, net worth, other cover applied for concurrently | Verified against source 22 Oct 2026 |
| Etiqa Insurance Singapore | Nomination of Beneficiaries Form 1 (trust nomination form) | Form undated, accessed 2026-10-22 | www.etiqa.com.sg/wp-content/uploads/2025/03/Nomination-… | The form cites sections 132(2) and (3) of the Insurance Act 1966, used to check the trust nomination section number indirectly; not used as the statutory text | Partly verified |
| HSBC Life (Singapore) | Form 4 Revocable Nomination (revocable nomination form) | Form undated, accessed 2026-10-22 | www.insurance.hsbc.com.sg/content/dam/hsbc/insn/documen… | The form cites sections 133(2) and (3) of the Insurance Act 1966, used to check the revocable nomination section number indirectly; not used as the statutory text | Partly verified |
8. Summary of items to be verified
The following items could not be fully verified when this site was written; the relevant pages describe them only in general terms or state that the official document governs. Once checked manually, they can be written back into the source tables above.
| Item | What needs checking | Suggested source |
|---|---|---|
| Full text of the free-look regulation | Full text of regulation 8 of the Insurance (General Provisions) Regulations, the refund deduction rules and the current revision date | SSO page, open in a browser to check |
| Nomination of beneficiaries and proper claimant provisions | Original text of section 132 (trust nomination), section 133 (revocable nomination), sections 133(7), 134(3) and 150 (proper claimant); the "Part 3C" heading; the nomination regulations and the 2023 amendment | SSO page; the LIA nomination guide (2026-03) has been checked at consumer level |
| Insurable interest provision | Section number and original text of the insurable interest provision | SSO, Insurance Act |
| MAS Notice 120 / FAA-N03 | Paragraph numbers for free-look and product summary disclosure | MAS website PDF |
| Product-level renewal and guaranteed insurability clauses | Maximum renewal ages and lists of guaranteed insurability events for individual products; this site describes only the shape of the restrictions, not the parameters | Each insurer's product summary |
| Effective date of the FIDReC adjudication limit | The 2024-07-01 effective date is currently supported by the LIA guide, and the 6-month time limit by the GIA page and LIA guide; the original FIDReC Terms of Reference (KA-01002) has not been checked | FIDReC website |
| Effective date of the LIA 2019 CI framework | Original basis for 2020-08-26 | LIA MU 58/22 Part 1 |
| Eligibility conditions for foreigners and non-residents | Prevailing conditions such as residence passes and minimum stay | No single public source; the site says only that the insurer's current underwriting rules govern |
| Singapore median household income | SingStat's new basis in "Key Household Income Trends 2025" | SingStat website PDF |
| Definition of smoker status | Standards for e-cigarettes, look-back period and reassessment as a non-smoker after quitting; no industry-wide position, and no citable public definition obtained | Each insurer's proposal form and product documents |
| Undated pages | The LIA glossary and claims page, the SDIC PPF page and insurers' product pages may be updated at any time; the date used is this site's access date, 2026-10-22 | Current version on each organisation's website |
The sources above are as verified on 22 Oct 2026. To have these rules read against your own situation, register an enquiry through the contact options on this site.
Sources and dates
- Understanding term insurance — MoneySense (MAS) · 2026-09-28
- Basic Financial Planning Guide (Your Financial Basics) — MoneySense (MAS) · 2026-10-16
- LIA Guide to Medical Underwriting for Life Insurance v3.0 — LIA Singapore · 2024-04
- LIA Code of Life Insurance Practice (COLIP) December 2021 (v 2.0) — LIA Singapore · 2021-12
- Your Guide to Nomination of Insurance Nominees (YGTNIN) v1.0 — LIA Singapore · 2026-03
- 2022 Protection Gap Study – Key Findings — LIA Singapore · 2023-09-08
- CPF Board extends Great Eastern Life's contract as Dependants' Protection Scheme administrator to 2028 — CPF Board · 2025-05-26
- Protecting against losing your home (Home Protection Scheme) — CPF Board · 2026-03-18
- e-Tax Guide: Deductibility of “Keyman” Insurance Premiums (Third Edition) — IRAS · 2026-01-30
- e-Tax Guide: Common Reporting Standard (Fifth Edition) — IRAS · 2026-08-11
- Policy Owners' Protection Scheme – Entitlement（页面未注日期，2026-10-22 查阅）(undated page, accessed 22 Oct 2026) — SDIC · 2026-10-22
- Financial Industry Disputes Resolution Centre（2026-10-22 查阅）(accessed 22 Oct 2026) — FIDReC · 2026-10-22