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

Hiral Kakaiya

Associate Wealth Advisory Director

About Hiral Kakaiya

As a 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗲𝗱 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗲𝗿 and 𝗔𝘀𝘀𝗼𝗰𝗶𝗮𝘁𝗲 𝗪𝗲𝗮𝗹𝘁𝗵 𝗣𝗹𝗮𝗻𝗻𝗲𝗿, I believe most financial planning gets the sequence wrong. While others start with investment growth, I begin with 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻—because building wealth without securing your foundation is like constructing a house on sand.

My practice centers on what I call the 𝗙𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻-𝗙𝗶𝗿𝘀𝘁 𝗠𝗲𝘁𝗵𝗼𝗱: systematically addressing 𝗶𝗻𝗰𝗼𝗺𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻, 𝗳𝗮𝗺𝗶𝗹𝘆 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆, and 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 before pursuing accumulation strategies. This approach stems from witnessing too many families discover 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗴𝗮𝗽𝘀 only after life-changing events occur.

With credentials spanning both financial and estate planning, I specialize in creating 𝗶𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗲𝗱 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 where protection and legacy planning work seamlessly together. I'm 𝗻𝗼𝘁 𝘁𝗶𝗲𝗱 𝘁𝗼 𝗮𝗻𝘆 𝘀𝗶𝗻𝗴𝗹𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿 𝗼𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗰𝗼𝗺𝗽𝗮𝗻𝘆, which means my recommendations are based purely on what serves your family's best interests—not sales quotas or corporate incentives.

I work primarily with professionals and families who understand that 𝘁𝗿𝘂𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 isn't just about growing wealth, but about ensuring it 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿𝘀 𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁𝗹𝘆 𝘁𝗼 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻 while protecting against life's uncertainties along the way.

My mission is straightforward: help families build 𝘂𝗻𝘀𝗵𝗮𝗸𝗲𝗮𝗯𝗹𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻𝘀 that provide security today and create 𝗺𝗲𝗮𝗻𝗶𝗻𝗴𝗳𝘂𝗹 𝗹𝗲𝗴𝗮𝗰𝗶𝗲𝘀 tomorrow.