Singlife CareShield Standard and Plus

Key Features & Benefits

Additional Payouts for Severe Disability

S$200 to S$5,000 more on top of basic severe disability payouts from the government, for as long as you're severely disabled¹.

Support Starts Upon Onset of Disability

Receive additional monthly payout of up to 12 months with the Add-on Benefit² if you are unable to perform any Activities of Daily Living (ADLs)^*. Stop paying your premiums but remain covered when you have a mild disability.

Pay on Your Own Terms

Pick fixed or increasing payouts, and your preferred premium payment period up to the policy anniversary after you turn 98, or for a limited time³. Pay your premiums with your MediSave⁴, and you'll spend little or no cash from your pocket.

Lump-Sum Payouts

Get a lump-sum benefit that's 3x your monthly benefit⁵, when you're severely disabled - this can help with one-time costs, such as in the purchase of a wheelchair.

Family Matters

If you're severely disabled, get additional payouts if you have children under 22⁶; to help cover caregiver costs⁷; and to support your dependants when you die⁸.

Better Supplements for Life Events

Entering parenthood or purchasing property? Increase your payouts when it matters, without underwriting hassle⁹.

Footnotes

All ages mentioned refer to age next birthday (ANB).

* Activities of Daily Living (ADLs) refer to washing, toileting, feeding, dressing, transferring around and walking or moving around.

1. You are unable to perform at least two (for Singlife CareShield Plus) or three (for Singlife CareShield Standard) of the six Activities of Daily Living (ADLs).

2. Add-on Benefit payouts start when you're unable to perform 2 ADLs for Singlife CareShield Standard and 1 ADL for Singlife CareShield Plus.

3. There are two ways to pay for a limited time; the later of the two options will apply. The two ways are:

a) The Life Assured may pay up to the policy anniversary after they turn 68
b) The Life Assured may pay for 20 years from entry age (if Life Assured joins at age 49 or older)

4. MediSave use is applicable to an amount of up to S$600, per calendar year, per life assured. Premiums exceeding this limit will have to be paid in cash. If there are insufficient funds in the designated MediSave account, cash payment will be required for the difference.

5. The monthly benefit refers to the monthly payout when the Life Assured suffers from a Severe Disability, as defined in the plan.

6. The Life Assured may receive an additional 20% of their monthly benefit - for up to 36 months - while they're receiving their monthly benefit or rehabilitation benefit.

7. The Life Assured may receive an additional 60% of their monthly benefit - for up to 12 months - while they're receiving their monthly benefit or rehabilitation benefit.

8. A lump sum benefit will be payable if the Life Assured dies due to any accident or sickness while receiving either the Severe Disability Benefit or the Rehabilitation Benefit. The Death Benefit will amount to 3 times of the last paid Severe Disability Benefit or the Rehabilitation Benefit, whichever is applicable.

9. The policyholder may exercise this option, without providing further evidence of insurability at any of the following life stage events, when the Life Assured:

a) purchases a property;
b) marries, divorces or is widowed;
c) becomes a parent by having a newborn child or by adopting a child below 19 years old
d) salary increases by 50% or more from application;
e) completes a skills development course of at least six months;
f) purchases a new individual life insurance policy or a Supplementary Benefit from us, with full underwriting at standard terms; or
g) spouse suffers a Severe Disability (with the inability to perform at least three of the six ADLs) or dies.

This option allows the policyholder to increase the policy's monthly benefit with extra premium payable. The total monthly benefit that can be increased under this option is limited to 50% of the policy’s initial monthly benefit, as agreed at policy inception or at the date this option is exercised – whichever is lower. This option is extended to standard life only. Please refer to the Product Summary for more details.

Buy Singlife CareShield Standard/Plus

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Client Acknowledgement

This insurance plan is underwritten by Singlife. All insurance applications are subject to Singlife’s underwriting and acceptance.

By proceeding with the product application, you acknowledge and agree that:

• Financial Alliance Pte Ltd ("FAPL") may collect, use, and disclose your personal data, as provided by the insurance company to FAPL as a result of your application, for the following purpose(s) in accordance with the Personal Data Protection Act 2012 and our data protection policy:

a) the processing of your application; and
b) the administration and servicing of your policy

Please visit our website for further details on our data protection policy, including how you may access and correct your personal data or withdraw consent to the collection, use or disclosure of your personal data.

• All information submitted through this website will be your own, and will be true, accurate, and unaltered.

• Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should read the product summary and seek financial advice from your Financial Consultant before purchasing this policy. Should you choose not to, you shall be responsible for ensuring that the policy is suitable and appropriate in meeting your financial needs and objectives.

I accept the above terms & conditions and acknowledge that my information will be used for the aforementioned purposes.

Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative

Francis Hoan

Associate Director, Financial Advisory Group

About Francis Hoan

Are you a financial adviser asking yourself these questions?

"How do I increase revenue without resorting to high-pressure sales?"

"How do I offer clients the best solution when my product list is this limited?"

"I've sold everything I can to my own client base. What now?"

If so, you're likely in a tied agency, talented, but boxed in, unable to fully serve the people who trust you.

I've always been a numbers person. Maybe it's my engineering training. That analytical side is what I bring to every decision, not just client portfolios, but how a practice should be built.

I started in insurance. Seventeen years learning what it takes to protect what people have worked for. But protection alone wasn't enough. I wanted a platform with access to a wider range of products, across multiple channels, so I could build outcomes a single insurer's shelf could never match.

That search led me to Financial Alliance in 2005. Twenty-one years later, I'm still here, now as Associate Director of Soul Wealthy Group, working alongside Kok Chin. But this partnership was never really about the two of us. It's about the advisers who need an environment strong enough to grow in, backed by real structure, real mentoring, and a team that succeeds together, a full ecosystem behind every consultant, not a program you're left to figure out alone.

I also came together with Kok Chin to build a coaching program for advisers within this ecosystem. That, too, was never about us. It's about advisers who want a real breakthrough, not another motivational talk. Close to 40 years in this industry has shown me the same pattern again and again: good advisers plateau, not for lack of talent, but for lack of the right environment. It runs on a framework I built from watching it happen, C.O.R.E: Circle, Objective, Reach, Enough.

If you're an adviser who feels capped, by product, by structure, by a ceiling you didn't choose, comment "breakthrough" below or send me a message. I'll reach out and we can talk about what's actually holding you back.