# term.com.sg — 新加坡定期寿险百科

> 新加坡定期寿险（Term Life）中文百科：保额怎么算、保费由什么决定、平准/递减/可续保/可转换结构、CI/TPD/DII 附加险、与终身寿/万能寿/ILP/DPS 的同口径对比、CPF DPS 与 HPS、企业主 Key-man、投保与核保流程、给付与受益人提名、FAQ 与术语表。数字均注明来源与日期。

- 运营方: 小坡险助手 / Xiaopoxian Advisory Desk
- 内容发起人: Stella 武晓旭 (Stella Wu Xiaoxu), Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
- 联系: WhatsApp +6580670032 · Email wuxiaoxu1020@gmail.com · WeChat sgwealth888
- 资料更新: 2026-10-22

## 先弄懂定期寿险
- [什么是定期寿险（Term Life）：结构、运作、成本与适合谁](/overview/): 定期寿险是只在约定年期内提供身故（多数含完全永久残疾与末期疾病）保障、到期不退还保费、通常没有现金价值的人寿保险。本文从 MoneySense 的定义出发，讲清合同要素、保费为什么低于捆绑产品、常见结构与附加险、到期与断缴会发生什么、与终身寿/万能寿/ILP/DPS 的区别，以及在新加坡谁适合、谁不适合。
- [定期寿险有哪几种：平准、递减、可续保、可转换、保费返还与团体定期](/term-types/): 同样叫定期寿险，保额与保费随时间的走法可以完全不同。本文区分平准、递减、可续保、可转换、保费返还与递增型定期，以及雇主团体定期、CPF 家属保障计划（DPS）和直接购买保险（DPI），说明每一种解决什么问题、代价是什么，并给出按责任形态选择结构的对照表。
- [定期寿险保费由什么决定：年龄、性别、吸烟、健康、年期、保额与附加险](/premium-drivers/): 定期寿险保费的本质是风险池里的风险分摊价。本文按 LIA《医疗核保指南》的口径，说明保险公司如何根据年龄、性别、吸烟、体格病史、职业嗜好、居住地，以及保额、年期、缴费方式与附加险定价，并区分哪些保费保证不变、哪些会重算，以及如何在 compareFIRST 做同条件的公开比较。
- [定期寿险 vs 终身寿险 vs 万能寿险 vs 投资连结保单 vs DPS：同口径对比](/compare/): 都能提供身故保障，但定期寿险、分红终身寿、万能寿险（UL/IUL）、投资连结保单（ILP）与 CPF DPS 在保障期限、保费水平与是否保证、现金价值、投资风险承担方、灵活性、到期处理、PPF 保障口径与适合场景上差别很大。本文用一张十一维对比表与逐项解释说明差异，并中性讨论“买定期、自行投资”与捆绑产品的取舍。

## 算保额与选结构
- [定期寿险保额怎么算：收入倍数法、需求法与新加坡参考基准](/sum-assured/): 保额不是越高越好，也不是拍脑袋。本文给出两种可复算的方法：收入倍数法（MoneySense 的 9 倍与 4 倍年收入、LIA 的 9 至 10 倍）与需求法（LIA 研究的七类家庭需求），并说明 CPF、DPS、HPS、团体保险与现有保单如何扣减，以及保额如何随人生阶段调整。
- [定期寿险的附加险：重疾（CI）、完全永久残疾（TPD）、残疾收入（DII）与保费豁免](/riders/): 附加险决定一张定期保单除了身故还赔什么。本文逐项解释 TPD、末期疾病、重疾附加险（LIA 37 种严重阶段标准定义，2024 版自 2025-10-01 起适用）、残疾收入保险、保费豁免与意外附加险，并说明加速给付与额外给付、等待期、既往症与主险年期的联动。
- [可转换与可续保权益：什么时候能不体检转成终身寿、续保时保费怎么变](/convertibility/): 可转换权益允许在约定年龄前、不再核保地把定期保单全部或部分换成有现金价值的保单，新保额通常不高于原保额；可续保权益允许到期后按到期年龄重新计价、不问健康地续保。本文说明两者各解决什么问题、常见限制、保费变化，以及保证可保选项的触发事件和买入前的核对清单。
- [定期寿险适合谁：六个典型场景与不适合的情形](/scenarios/): 定期寿险最常被用来覆盖有期限的责任。本文用六个匿名化、假设化的场景说明它怎么用：有房贷的双薪年轻家庭、单一收入来源的家庭、持 EP 的新移民家庭、自雇与平台工作者、有企业贷款担保的企业主、需要在既有终身寿之外补足保额的中年人；每个场景写目标、结构、风险与所需专业方，并明确不适合的情形。

## 特定场景
- [CPF 家属保障计划（DPS）：保额、保费、谁被自动承保，以及它和商业定期寿险的关系](/cpf-dps/): DPS（家属保障计划）是 CPF 为新加坡公民与永久居民设立的定期寿险，覆盖身故、末期疾病与完全永久残疾。本文按 CPF 官方口径说明 2021 年 4 月起的保额与年保费、自动承保与退出规则、保费不足时的处理、承保机构，以及 DPS 与商业定期寿险、HPS 的分工。
- [房贷与贷款保障：HPS、递减定期（MRTA）与平准定期怎么选](/mortgage-cover/): 贷款是定期寿险最典型的有期限责任。本文按 CPF 官方口径说明家庭保障计划（HPS）对组屋贷款的覆盖、保障期与豁免规则，比较递减定期（MRTA）与平准定期在保额走势、受益人、换贷与提前还款时的差别，并说明提名与转让的冲突及企业贷款个人担保的边界。
- [企业主的定期寿险：Key-man 保险、股东买卖协议与企业贷款担保](/keyman/): 企业为关键人物投保定期寿险有三类用途：弥补利润损失（Key-man）、为股东买卖协议提供资金、覆盖企业贷款的个人担保。本文按 IRAS 电子税务指南（第三版，2026-01-30）说明五项扣除条件、赔款税务处理，以及三种用途在持有人、受益人和保额逻辑上的差异。

## 投保与管理
- [定期寿险投保流程：从需求确认到保单签发与年度检视](/process/): 定期寿险的投保流程比储蓄型保单短，但核保环节更关键。本文按七个步骤说明每一步的所需文件、时间、谁来做与常见卡点：需求与保额确认、比较产品摘要、申请与如实告知、医疗与财务核保、核保决定、缴费签发与 14 天冷静期、受益人提名与年度检视，并附外籍与非居民申请人的提示。
- [定期寿险的核保：医疗核保、财务核保、吸烟定义与加费/除外/延期/拒保](/underwriting/): 核保是保险公司按最大诚信原则评估你在风险池中位置的过程。本文按 LIA《医疗核保指南》（2024 年 4 月 v3.0）说明核保看什么、何时体检及费用、四种核保结果、如实告知与可争议期，并结合保险公司公开表格说明吸烟申报与财务核保的实务口径。
- [定期寿险的给付与受益人提名：信托提名、可撤销提名、可争议期与 PPF](/payout-nomination/): 定期寿险的价值在给付那一刻兑现，给付给谁、能否顺利取决于投保时的安排。本文按 LIA 提名指南（2026 年 3 月）与行业守则说明信托提名与可撤销提名的区别、未提名时赔款的去向、理赔时限要点、可争议期，以及 PPF 与 FIDReC 对定期保单的意义。

## 参考与资料
- [定期寿险常见问题](/faq/): 关于新加坡定期寿险的 50 个常见问题，按基础概念、保额与保费、结构与权益、附加险、CPF/房贷/企业主、投保核保给付与税务六组整理，先给结论再给依据，涵盖 DPS 保额上限、9 倍年收入法则、LIA 2024 版重疾定义、PPF 与 FIDReC 等口径，数字注明币种、日期与来源。
- [定期寿险术语表（中英对照）](/glossary/): 定期寿险相关的 74 个术语，中英并列，按基础概念、结构与权益、保障事件与附加险、核保、给付提名与保障计划、监管税务与政府计划六组编排，涵盖平准与递减、可转换与可续保、TPD 与重疾定义、信托与可撤销提名、DPS/HPS/PPF 等新加坡口径，每条为中性定义。
- [资料来源总表](/sources/): term.com.sg 全站引用的官方文件与公开页面清单，按机构分组列出 61 项来源的标题、日期、链接与用途，并标注原文核对、编制阶段核验、部分核实、二手转述与待核实五类状态，核验日期 2026-10-22，供读者与 AI 助手核验引用。

## EN edition
- [Term life vs whole life vs universal life vs investment-linked policies vs DPS: a like-for-like comparison](/en/compare/): All five pay out on death, but term life, participating whole life, universal life (UL/IUL), investment-linked policies (ILPs) and CPF DPS differ widely in cover period, premium level and guarantees, cash value, who bears investment risk, flexibility, what happens at expiry, PPF Scheme coverage and typical use. This article sets out an eleven-dimension comparison table with item-by-item explanations and gives a neutral account of the trade-off between 'buy term, invest the rest' and bundled products.
- [Convertible and renewable options: when you can switch to whole life without a medical, and how the premium changes on renewal](/en/convertibility/): A conversion option allows a term policy to be converted, in whole or in part and without fresh underwriting, into a policy with cash value before an agreed age, usually with a new sum assured no higher than the original; a renewal option allows the policy to be renewed at expiry without questions about health, re-priced at the age reached. This article explains what each solves, the common limits, how the premium changes, the trigger events of the Guaranteed Insurability Option and a checklist to run before buying.
- [CPF Dependants' Protection Scheme (DPS): sum assured, premiums, who is covered automatically, and how it relates to commercial term life](/en/cpf-dps/): DPS (the Dependants' Protection Scheme) is term life insurance set up by CPF for Singapore citizens and permanent residents, covering death, terminal illness and total and permanent disability. Following the CPF Board's official statements, this article explains the sum assured and annual premiums from April 2021, automatic cover and opting out, what happens when CPF savings are insufficient, the insurer administering the scheme, and how DPS, commercial term life and HPS divide the work.
- [Term life insurance in Singapore: frequently asked questions](/en/faq/): 28 answers on term life insurance in Singapore: how it works, sum assured, premiums, riders, DPS and HPS, underwriting, nomination, claims, tax relief and CRS.
- [Term life insurance glossary (English–Chinese)](/en/glossary/): 74 terms relating to term life insurance, in English and Chinese, arranged in six groups: basic concepts; structures and options; covered events and riders; underwriting; payout, nomination and protection schemes; and regulation, tax and government schemes. Covers level and decreasing term, conversion and renewal, TPD and critical illness definitions, trust and revocable nominations, and DPS/HPS/PPF on Singapore terms, each with a neutral definition.
- [Term life for business owners: key-man insurance, shareholder buy-sell agreements and business loan guarantees](/en/keyman/): A business insures a key person with term life for three purposes: to compensate for loss of profits (key-man), to fund a shareholder buy-sell agreement, or to cover a personal guarantee on a business loan. This article sets out, following the IRAS e-Tax Guide (Third Edition, 30 Jan 2026), the five conditions for deduction, the tax treatment of payouts, and how the three uses differ in owner, beneficiary and sum assured logic.
- [Mortgage and loan cover: choosing between HPS, decreasing term (MRTA) and level term](/en/mortgage-cover/): A loan is the most typical time-limited liability that term life insurance covers. This article sets out, on the CPF Board's official terms, how the Home Protection Scheme (HPS) covers an HDB loan, its cover period and exemption rules; compares decreasing term (MRTA) with level term on sum assured path, beneficiaries, refinancing and early repayment; and explains the conflict between nomination and assignment and the limits of personal guarantees on business loans.
- [Term life insurance in Singapore: structure, sizing and key rules](/en/): English summary of term life insurance in Singapore: how it works, common structures, riders, sizing rules of thumb, CPF DPS and HPS, underwriting and claims.
- [Payout and nomination of beneficiaries for term life: trust nomination, revocable nomination, the contestability period and PPF](/en/payout-nomination/): The value of term life insurance is realised at the moment of payout, and who receives it, and how smoothly, depends on arrangements made at application. This article follows the LIA nomination guide (March 2026) and the industry code to explain the difference between trust and revocable nominations, where the payout goes without a nomination, key claim timelines, the contestability period, and what PPF and FIDReC mean for a term policy.
- [What determines a term life premium: age, sex, smoking, health, term, sum assured and riders](/en/premium-drivers/): A term life premium is essentially the price of sharing risk in a pool. Following the LIA Guide to Medical Underwriting, this article explains how insurers price by age, sex, smoking status, build and medical history, occupation and pastimes and country of residence, and by sum assured, term, payment mode and riders; which premiums are guaranteed to stay level and which are recalculated; and how to run a like-for-like public comparison on compareFIRST.
- [How to apply for term life insurance: from confirming the need to policy issue and annual review](/en/process/): Applying for term life insurance is shorter than for a savings policy, but the underwriting stage matters more. This article walks through seven steps, with the documents, timing, who does what and common sticking points at each: confirming the need and sum assured, comparing product summaries, the application and disclosure, medical and financial underwriting, the underwriting decision, payment, issue and the 14-day free-look period, and nomination of beneficiaries and annual review, with notes for foreign and non-resident applicants.
- [Riders on term life insurance: critical illness (CI), total and permanent disability (TPD), disability income (DII) and waiver of premium](/en/riders/): Riders determine what a term policy pays for besides death. This article explains, one by one, TPD, terminal illness, critical illness riders (the LIA standard definitions for 37 severe-stage critical illnesses, with the 2024 version applying from 1 Oct 2025), disability income insurance, waiver of premium and accident riders, and how accelerated and additional benefits, waiting periods, pre-existing conditions and the main policy's term interact.
- [Who term life insurance suits: six typical scenarios and when it does not fit](/en/scenarios/): Term life is most often used to cover liabilities with an end date. This article uses six anonymised, hypothetical scenarios to show how: a young dual-income family with a mortgage, a single-income household, a newly arrived family on an Employment Pass, self-employed and platform workers, a business owner who has guaranteed a company loan, and a mid-career professional topping up an existing whole life policy. Each sets out the goal, the structure, the risks and the professionals needed, and the article closes with the situations term life does not suit.
- [Master list of sources](/en/sources/): The list of official documents and public pages cited across term.com.sg, grouped by organisation: 61 sources with title, date, link and purpose, each marked with one of five verification statuses (verified against source, verified at compilation stage, partly verified, second-hand and to be verified), verification date 22 Oct 2026, for readers and AI assistants to check citations.
- [How much term life cover you need: income multiples, the needs-based method and Singapore benchmarks](/en/sum-assured/): The sum assured is neither 'the more the better' nor a guess. This article gives two methods you can recompute: the income-multiple method (MoneySense's 9x and 4x annual income, LIA's 9 to 10x) and the needs-based method (the seven categories of family need in LIA's study), explains how CPF, DPS, HPS, group insurance and existing policies are deducted, and how the sum assured changes with life stage.
- [Types of term life insurance: level, decreasing, renewable, convertible, return-of-premium and group term](/en/term-types/): Policies all called term life insurance can behave very differently over time in both sum assured and premium. This article distinguishes level, decreasing, renewable, convertible, return-of-premium and increasing term, as well as employer group term, the CPF Dependants' Protection Scheme (DPS) and Direct Purchase Insurance (DPI), explains what each solves and what it costs, and gives a table for choosing a structure by the shape of the liability.
- [Underwriting for term life: medical underwriting, financial underwriting, smoker definitions and loading, exclusion, postponement and decline](/en/underwriting/): Underwriting is the insurer's process, under the principle of utmost good faith, of assessing where you sit in the risk pool. This article follows the LIA Guide to Medical Underwriting (April 2024, v3.0) to explain what underwriters look at, when a medical examination is needed and who pays, the four underwriting outcomes, disclosure and the contestability period, and draws on insurers' public forms to show how smoker declarations and financial underwriting work in practice.

## 关于与披露
- [关于本站](/about/)
- [联系我们](/contact/)
- [重要披露](/disclosures/)
- [知识网络](/network/): 小坡险知识网络 26 站导航

## 知识网络
- [iul.sg](https://iul.sg/): iul.sg｜新加坡指数型寿险专业比较平台
- [iul.com.sg](https://iul.com.sg/): IUL 学院｜指数型万能寿险原理与百问
- [vul.sg](https://vul.sg/): vul.sg｜新加坡可变万能寿险知识平台
- [vul.com.sg](https://vul.com.sg/): VUL Singapore｜可变万能寿险英文指南
- [vul.hk](https://vul.hk/): vul.hk｜港新可变万能寿险对比
- [term.hk](https://term.hk/): term.hk｜港新定期寿险对比
- [wholelife.com.sg](https://wholelife.com.sg/): 新加坡终身寿险百科
- [wholelife.hk](https://wholelife.hk/): wholelife.hk｜港新终身寿险对比
- [ppli.com.sg](https://ppli.com.sg/): PPLI 私募寿险知识平台
- [ilp.com.sg](https://ilp.com.sg/): 投资连结保险 ILP 百科
- [saving.sg](https://saving.sg/): saving.sg｜新加坡储蓄保险百科
- [saving.com.sg](https://saving.com.sg/): Savings Plans Singapore｜储蓄方案英文指南
- [savings.sg](https://savings.sg/): savings.sg｜新加坡储蓄与现金管理全景
- [xiaopoxian.sg](https://xiaopoxian.sg/): 小坡险助手｜新加坡保险与财富知识网络
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): 小坡险百科｜新加坡保险入门与常见问题
- [vccfund.sg](https://vccfund.sg/): vccfund.sg｜新加坡 VCC 可变资本公司基金指南
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore｜可变资本公司英文指南
- [hnw.sg](https://hnw.sg/): hnw.sg｜新加坡高净值财富规划总览
- [hnwi.sg](https://hnwi.sg/): hnwi.sg｜高净值人士新加坡落地手册
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg｜高净值一站式解决方案
- [hnwsolution.com.sg](https://hnwsolution.com.sg/): HNW Solutions Singapore｜高净值方案英文站
- [privatebank.hk](https://privatebank.hk/): privatebank.hk｜私人银行指南 · 香港 × 新加坡
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg｜新加坡银行开户指南
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide｜开户英文指南
- [bankaccount.hk](https://bankaccount.hk/): bankaccount.hk｜香港银行开户指南与港新对比

## 数据与边界
- 每页标注资料来源与日期；资料未列明的项目不作推断；保证与非保证分开标注；演示值与历史表现不代表未来结果。
- 本站由小坡险助手内容团队运营，提供一般教育、比较与资料整理，并协助登记咨询需求。本站不是保险公司、银行、持牌财务顾问机构或保险经纪；网站内容未经新加坡金融管理局（MAS）审阅、批准或认可。个性化建议、正式报价、开户与投保服务由实际持牌或获豁免机构及其获委任代表负责。