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

JOAN FANG 方琦琼

SENIOR FINANCIAL ADVISORY MANAGER

About JOAN FANG 方琦琼

40岁的你，是否也曾在某个深夜问自己：未来几十年，我能不能安心生活，优雅老去？

为家庭拼过，为责任扛过，走到这一站才发现：中年人最大的底气，是拥有“确定的未来”。

* 当收入放缓，你是否有一份伴随终生、不离不弃的现金流？

* 当意外突袭，你是否有足够厚实的屏障，守住身后的家人？

* 当责任卸下，你是否有说走就走的自由，去过真正想要的生活？

深耕行业10年，我做的从来不只是保险，而是陪你把未来想清楚，把余生安排好。

让退休不只是“凑合过”，而是有尊严的“享生活”；
让财富不只是“会花完”，而是可以领一辈子；
让人生下半场满是选择，而不是身不由己的妥协。

我始终相信，人生最好的状态，是某天你可以笃定地说：我准备好了。

如果你也正处在40+的节点，来找我聊聊。
我们一起把未来规划清楚，体面地生活，优雅地变老。

At 40, have you ever found yourself asking late at night:
In the decades ahead, will I be able to live with peace of mind and grow old with grace?

After striving for your family and carrying your responsibilities, you arrive at this stage and realise:
The greatest confidence in midlife comes from having a certain future.

When your income slows, do you have a lifelong stream of cash flow that stays with you?
When unexpected risks strike, do you have a strong enough shield to protect your loved ones?
When your responsibilities are lifted, do you have the freedom to go where you want and live the life you truly desire?
With 10 years of deep experience in the industry, what I offer goes far beyond insurance.
I help you think through your future and plan the rest of your life with clarity and confidence.

So that retirement is not about “getting by,” but about living with dignity and enjoyment;
So that wealth is not something that simply runs out, but something that can support you for life;
So that the second half of your life is full of choices, not compromises beyond your control.

I’ve always believed that one of the best states in life is being able to say with certainty:
“I’m ready.”

If you’re also at the 40+ stage, let’s have a conversation.
Together, we can plan your future clearly—so you can live with dignity and age with grace.