🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 21 (from laksa073)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa021.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://singlife.com/en/policy-servicing\')), getAhrefsUnparsedNoserviceFromURL(\'https://singlife.com/en/policy-servicing\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/singlife.com\/en\/policy-servicing","crawl_time":1776346318,"first_indexed_time":1687944569,"http_code":200,"src_unparsed":"com,singlife!\/en\/policy-servicing s443","src_root_hash":"15675950495942739021","history_drop_reason":null,"meta_title":"Policy Servicing","meta_descriptions":[],"attrs_boilerpipe_text":"Our financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife.\nAll payments must be made through the official channels.\nPlease refer to the list below for available premium payment methods.  \nLife, Health, Savings, Retirement & Zurich Plans\neGIRO\nFor DBS\/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders\nAccount holders from the above banks can enjoy simple, hassle-free and quick way to set up a\nrecurring\npayment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through\nMySinglife\n.\nLogin to your\nMySinglife\naccount\nSelect “Policy Servicing”\nSelect “Set up eGIRO for Premium Payment”\nSelect your desired Policy Number\nClick “Next”\nUpdate the bank account details and select the bank that you wish to use for enrolment\nClick Set up eGIRO\nYou will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password\nEnter the OTP or login authentication pop-out notification sent from your bank to complete the transaction.\nIt will only take a few minutes for the GIRO application to be approved. \nPlease review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing.\nDBS\/POSB Ibanking GIRO\nFor DBS\/POSB bank account holders\nClick\nhere\nto apply for GIRO through your bank accounts via DBS\/POSB channels:\n- Internet Banking \nAfter logging in, go to Pay (Bills and Card) > Add GIRO Arrangement > Select Billing Organisation\n- For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy\nSelect Singlife(Life) and enter your Policy Number in the DDA Reference number field\n- For Medical Insurance policy\nSelect Singlife(Health) and enter your Policy Number in the DDA Reference number field\nHardcopy GIRO Form\nComplete and return the original Application for Interbank GIRO form with\nwet ink signature\nto Singapore Life Ltd. at 5 Straits View, #01-18\/19, Marina One The Heart, Singapore 018935. \nDownload Interbank GIRO form for Life Health and Zurich Policies\nPlease note that the approval process can take up to 6 weeks depending on your bank. \nFAQ\nHow long is the payment grace period?\nThe grace period begins on the premium due date and lasts for at least 30 days*. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse.\n \n*Please refer to your Policy Contract provision\nWhen will my premium be deducted from my GIRO account?\nNew application\nFor the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer.\n \nAfter policy issuance\n \nPlan Type\nPremium Due Date\n1\nst\n Deduction\n2\nnd\n Deduction\nIndividual Life\n1\nst\n - 14\nth\n of the month\n12\nth\n of the month\n27\nth\n of the month\n15\nth\n - 31\nst\n of the month\n27\nth\n of the month\n12\nth\n of next month\nLong Term Care\n17\nth\n of the month - 16\nth\n of next month\n18\nth\n of next month\nNA\nInvestment Linked Policies\n1\nst\n - 14\nth\n of the month\n27\nth\n of previous month\n12\nth\n of the month\n15\nth\n - 31\nst\n of the month\n12\nth\n of the month\n27\nth\n of the month\nSinglife Shield\/ Singlife Health Plus\n1\nst\n - end of the month\n7\nth\n of the month\n20\nth\n of the month\nIf the deduction dates falls on a non-working day, the deduction will take place on next working day. \nWhen will my credit card deduction be made?\nNew application\nFor the initial premium, we will deduct from your credit card once we have approved the application.\nIf you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer.\n \nAfter policy issuance\nPremiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day. \nGroup Insurance\nDBS\/POSB Ibanking GIRO\n- For DBS\/POSB bank account holders\nClick\nhere\nto apply for GIRO through your bank accounts via DBS\/POSB channels:\n- Internet Banking \nAfter logging in, go to Pay (Bills and Card) > Add GIRO Arrangement > Select Billing Organisation\n- For MINDEF\/MHA policy\nSelect Singlife(Health) and enter \"0686xxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n- For Public Officers Group Insurance Scheme (POGIS) policy\nSelect Singlife(Health) and enter \"PGxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n- For ExxonMobil policy\nSelect Singlife(Health) and enter \"EXxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n- For Portable Medical policy and other bank account holders\nComplete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, #01-18\/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank. \nHardcopy GIRO Form\nComplete and return the original Application for Interbank GIRO form with\nwet ink signature\nto Singapore Life Ltd. at 5 Straits View, #01-18\/19, Marina One The Heart, Singapore 018935.\nDownload Interbank GIRO for MINDEF, MHA and POGIS policies\nDownload Interbank GIRO for ExxonMobil policy\nDownload Interbank GIRO for Portable Medical policy\nPlease note that the approval process can take up to 6 weeks depending on your bank.\nSinglife Account\nSL Series Policies (Policies beginning with SL)\nAutomatic Premium Loan (APL) \/ Non-Forfeiture Loan (NFL)\nIf your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits.\nAPL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary. \nIf the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure.\nReviving A Lapsed Policy (Reinstatement)\nIt is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL).  A notification will be sent to you when your policy has lapsed.\nTo resume the effective coverage of your policy (known as Reinstatement of the Policy):\nDeclare your health status by completing the health declaration form:\nFor Life policies:\nPolicy Health Declaration (for Life Products)\nFor Health policies:\nPolicy Servicing Health Declaration (for Health Products)\nFor Long Term Care policies:\nReinstatement for Singlife ElderShield Standard\/Singlife ElderShield Plus\/Singlife CareShield Standard\/Singlife CareShield Plus\n \nPay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any).\nReinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review.\nWe recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a\nGIRO application\n.","attrs_markdown":"[Personal]() [Corporate](https:\/\/singlife.com\/en\/business)\n\nLogin\n\n##### Customer Portals\n[MYSINGLIFE](https:\/\/mysinglife.singlife.com\/)\n\nAccess your personal or group insurance policies (including MINDEF\/MHA\/POGIS) and investment portfolio, submit claims, manage payments, and enjoy Singlife Rewards\n##### Corporate Portals\n[EBConnect](https:\/\/ebconnect.singlife.com\/eb\/homepage\/#\/)\n\nHR Business partners and Intermediaries\n\n##### Financial Advisers\n[Singlife Online (SOL)](https:\/\/applogin.singlife.com\/adviser\/#\/login)\n\nFor Singlife and Navigator financial advisers\n\n[PocketSQS](https:\/\/applogin.singlife.com\/SQS\/login\/)\n\nAccess the online sales quotation system\n\n[Singlife EzSub](https:\/\/ezsub.singlife.com\/web\/login\/)\n\nSubmit product quotations and applications here\n\n[View All Logins](https:\/\/singlife.com\/en\/login)\n\n[Claims](https:\/\/singlife.com\/en\/claims \"Claims\") [Contact Us](https:\/\/singlife.com\/en\/contact-us \"Contact Us\") [Make Payments](https:\/\/singlife.com\/en\/faq\/policy-servicing#premium-payments \"Make Payments\") [FAQ](https:\/\/singlife.com\/en\/faq \"FAQ\")\n\nUp to 58% OFF Singlife Travel Insurance Promo\n\nWe cover trip cancellation or curtailment for any reason.\n\n[Get a quote\\!](https:\/\/singlife.com\/en\/travel-insurance)\n\n![](https:\/\/singlife.com\/content\/dam\/public\/revamp\/sl-img-app-qrcode.svg)\n\n##### Get the Singlife App\nSave, invest, earn, be insured and rewarded all in one app\\!\n\n![Singlife logo](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/logo\/sl-logo-singlife.png)\n\nProducts\n\nPromotions\n\nClaims\n\nPayments\n\nAbout us\n\nBlog\n\nSupport\n\n##### INSURE\nMedical & Life Insurance\n\n[Life Insurance](https:\/\/singlife.com\/en\/life-insurance)   [Medical Insurance](https:\/\/singlife.com\/en\/medical-insurance)   [Critical Illness Insurance](https:\/\/singlife.com\/en\/critical-illness-insurance)   [Disability Insurance](https:\/\/singlife.com\/en\/disability-insurance)   [Maternity Insurance](https:\/\/singlife.com\/en\/maternity-care)   [Accident Insurance](https:\/\/singlife.com\/en\/accident-insurance)\n\n#####\nLifestyle insurance\n\n[Car Insurance](https:\/\/singlife.com\/en\/car-insurance)   [Travel Insurance](https:\/\/singlife.com\/en\/travel-insurance)   [Home Insurance](https:\/\/singlife.com\/en\/home-insurance)\n\nGroup Insurance scheme\n\n[MINDEF](https:\/\/singlife.com\/en\/mindef-and-mha\/mindef-group-insurance)   [MHA](https:\/\/singlife.com\/en\/mindef-and-mha\/mha-group-insurance)   [Public Officers](https:\/\/singlife.com\/en\/pogis)\n\n##### Invest\n[Savings](https:\/\/singlife.com\/en\/savings)   [Investment-Linked Plans](https:\/\/singlife.com\/en\/investment-linked-plan)   [Retirement](https:\/\/singlife.com\/en\/flexi-retirement-ii)   [Singlife Account](https:\/\/singlife.com\/en\/singlife-account)   [dollarDEX](https:\/\/singlife.com\/en\/dollardex)   [GROW with Singlife](https:\/\/singlife.com\/en\/grow-with-singlife)\n\nOthers\n\n[Investment-Linked Plan Funds Reports](https:\/\/singlife.com\/en\/investment-linked-plan\/fund-performance-reports)   [Fund Information](https:\/\/singlife.com\/en\/investment-linked-plan\/resources)\n\n##### Your Life Stage\n[Singlife Milestone Map](https:\/\/singlife.com\/en\/milestone-map)   [Singlife Starter Pack](https:\/\/singlife.com\/en\/starter-pack)   [Long-Term Care](https:\/\/singlife.com\/en\/longtermcare)   [Retirement Planning](https:\/\/singlife.com\/en\/retirement)\n\n##### Premium\n[Singlife Pinnacle](https:\/\/singlife.com\/en\/pinnacle)   [Singlife Legacy Indexed Universal Life](https:\/\/singlife.com\/en\/legacy-indexed-universal-life)   [Singlife Legacy Invest](https:\/\/singlife.com\/en\/pinnacle\/legacy-invest)   [Singlife Legacy Indexed Income](https:\/\/singlife.com\/en\/pinnacle\/legacy-indexed-income)\n\n[View Corporate Insurance products](https:\/\/singlife.com\/en\/business)\n\n##### Promotions\nEnjoy these special savings when you purchase our plans.\n\n[Medical & Life Insurance](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/medical-life-insurance)   [Lifestyle Insurance](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/lifestyle-insurance)   [MINDEF, MHA & POGIS](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/mindef-mha-pogis)   [Save & Invest](https:\/\/singlife.com\/en\/promotions#tab\/promotion:category\/singlife-save-invest)\n\n[View All Promotions](https:\/\/singlife.com\/en\/promotions)\n\n##### Customer Rewards\nRewards and perks for our Singlife customers.\n\n[Rewards](https:\/\/singlife.com\/en\/rewards#tab\/privileges)   [Birthday Offers](https:\/\/singlife.com\/en\/rewards#tab\/birthday)   [MINDEF \/ MHA Exclusive](https:\/\/singlife.com\/en\/rewards#tab\/mindef)   [Pinnacle Privileges](https:\/\/singlife.com\/en\/rewards#tab\/pinnacle-privileges)\n\n[View All Rewards](https:\/\/singlife.com\/en\/rewards)\n#####\n#####\n\n##### Individual Claims\nLife\n\n[Accident](https:\/\/singlife.com\/en\/claims\/life\/accident)   [Critical \/ Terminal Illness](https:\/\/singlife.com\/en\/claims\/life\/critical-illness)   [Death](https:\/\/singlife.com\/en\/claims\/life\/death)   [Disability](https:\/\/singlife.com\/en\/claims\/life\/disability)   [Maternity](https:\/\/singlife.com\/en\/claims\/life\/maternity)\n\n#####\nMedical\n\n[Medical and Hospitalisation](https:\/\/singlife.com\/en\/claims\/medical\/medical-and-hospitalisation)   [Other Medical Benefits](https:\/\/singlife.com\/en\/claims\/medical\/other-medical-benefits)\n\nLifestyle\n\n[Car](https:\/\/singlife.com\/en\/claims\/lifestyle\/car)   [Home](https:\/\/singlife.com\/en\/claims\/lifestyle\/home)   [Travel](https:\/\/singlife.com\/en\/claims\/lifestyle\/travel)   [Personal Accident](https:\/\/singlife.com\/en\/claims\/lifestyle\/personal-accident)\n\n##### GROUP CLAIMS\n[MINDEF & MHA](https:\/\/singlife.com\/en\/claims\/group\/mindef-and-mha)   [Public Officers](https:\/\/singlife.com\/en\/claims\/group\/pogis)\n\nEmployee Claims\n\n[Corporate Plan](https:\/\/singlife.com\/en\/claims\/employee-benefits\/corporate-insurance-claims)   [EBConnect](https:\/\/singlife.com\/en\/claims\/employee-benefits\/ebconnect)   [Work Injury Compensation (WICA)](https:\/\/singlife.com\/en\/claims\/lifestyle\/wica)   [Public Liability](https:\/\/singlife.com\/en\/claims\/employee-benefits\/commercial-insurance-claims)   [Property All Risks](https:\/\/singlife.com\/en\/claims\/employee-benefits\/commercial-insurance-claims)\n\n##### OTHERS\n[Letter of Guarantee](https:\/\/singlife.com\/en\/business\/group-insurance\/group-hospital-and-surgical-insurance#pre-authorisation)   [Medical Specialist](https:\/\/singlife.com\/en\/medical-insurance\/medicalspecialists)\n\n[View All Claims](https:\/\/singlife.com\/en\/claims)\n\n#####\n#####\n#####\n#####\n\n##### ABOUT SINGLIFE\n[Our Brand Story](https:\/\/singlife.com\/en\/about-us)   [SG60 and Beyond](https:\/\/singlife.com\/en\/sg60-and-beyond)   [Financial Freedom Index](https:\/\/singlife.com\/en\/about-us\/financial-freedom-index)   [Leadership Team](https:\/\/singlife.com\/en\/about-us\/leadership-team)   [Corporate Governance](https:\/\/singlife.com\/en\/about-us\/corporate-governance)   [Investor Relations](https:\/\/singlife.com\/en\/about-us\/investor-relations)   [Newsroom](https:\/\/singlife.com\/en\/about-us\/newsroom)   [Sustainability Strategy](https:\/\/singlife.com\/en\/about-us\/sustainability-strategy)   [Innovation & Ecosystem](https:\/\/singlife.com\/en\/about-us\/innovation-and-ecosystem)\n\n##### CAREERS\n[Corporate](https:\/\/singlife.darwinbox.com\/ms\/candidate\/careers)   [Singlife Financial Advisers](https:\/\/singlifefa.com\/)   [Singlife Management Associate Programme](https:\/\/singlife.com\/en\/careers\/management-associate-programme)   [All Careers](https:\/\/singlife.com\/en\/careers)\n#####\n#####\n\n##### LIFESTUFF\nPersonal tips, guides and expert advice to master every aspect of your life\n\n[Money](https:\/\/singlife.com\/en\/blog\/money)   [Health](https:\/\/singlife.com\/en\/blog\/health)   [Lifestyle](https:\/\/singlife.com\/en\/blog\/lifestyle)\n#####\n#####\n#####\n[View All](https:\/\/singlife.com\/en\/blog)\n\n##### FORMS\n[Personal Accident Insurance](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&personal-accident-insurance)   [Car Insurance](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&car-insurance)   [Travel Insurance](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&travel-insurance)   [Home Insurance](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&home-insurance)\n\n#####\n[Life, Medical, Savings and Retirement](https:\/\/singlife.com\/en\/form-library#life-medical-savings-and-retirement)   [MINDEF](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&mindef)   [MHA](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&mha)   [Public Officers](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&pogis)\n\n[View All Forms](https:\/\/singlife.com\/en\/form-library)\n\n##### Resources\n[Useful Guides](https:\/\/singlife.com\/en\/useful-guides)   [COVID-19 Advisory](https:\/\/singlife.com\/en\/novel-coronavirus-notice)   [Payouts via PayNow-NRIC\/FIN](https:\/\/singlife.com\/en\/payouts-via-paynow)   [BetterView](https:\/\/singlife.com\/en\/sgfindex)   [Care Collab](https:\/\/singlife.com\/en\/carecollab)   [Security Advisory](https:\/\/singlife.com\/en\/singlife-security-advisory)\n\n##### help\n[FAQ](https:\/\/singlife.com\/en\/faq)   [Contact Us](https:\/\/singlife.com\/en\/contact-us)   [Policy Servicing](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Claims](https:\/\/singlife.com\/en\/claims \"Claims\") [Contact Us](https:\/\/singlife.com\/en\/contact-us \"Contact Us\") [Make Payments](https:\/\/singlife.com\/en\/faq\/policy-servicing#premium-payments \"Make Payments\") [FAQ](https:\/\/singlife.com\/en\/faq \"FAQ\")\n\nUp to 58% OFF Singlife Travel Insurance Promo\n\nWe cover trip cancellation or curtailment for any reason.\n\n[Get a quote\\!](https:\/\/singlife.com\/en\/travel-insurance)\n\n![](https:\/\/singlife.com\/content\/dam\/public\/revamp\/sl-img-app-qrcode.svg)\n\n##### Get the Singlife App\nSave, invest, earn, be insured and rewarded all in one app\\!\n\n![search logo](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-search.svg)\n\n![mobile menu logo](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-hamburger.svg) ![sl-icon-cross.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-cross.svg)\n\nLogin\n\n##### Customer Portals\n[MYSINGLIFE](https:\/\/mysinglife.singlife.com\/)\n\nAccess your personal or group insurance policies (including MINDEF\/MHA\/POGIS) and investment portfolio, submit claims, manage payments, and enjoy Singlife Rewards\n##### Corporate Portals\n[EBConnect](https:\/\/ebconnect.singlife.com\/eb\/homepage\/#\/)\n\nHR Business partners and Intermediaries\n\n##### Financial Advisers\n[Singlife Online (SOL)](https:\/\/applogin.singlife.com\/adviser\/#\/login)\n\nFor Singlife and Navigator financial advisers\n\n[PocketSQS](https:\/\/applogin.singlife.com\/SQS\/login\/)\n\nAccess the online sales quotation system\n\n[Singlife EzSub](https:\/\/ezsub.singlife.com\/web\/login\/)\n\nSubmit product quotations and applications here\n\n[View All Logins](https:\/\/singlife.com\/en\/login)\n\n[Claims](https:\/\/singlife.com\/en\/claims \"Claims\") [Contact Us](https:\/\/singlife.com\/en\/contact-us \"Contact Us\") [Make Payments](https:\/\/singlife.com\/en\/faq\/policy-servicing#premium-payments \"Make Payments\") [FAQ](https:\/\/singlife.com\/en\/faq \"FAQ\")\n\nUp to 58% OFF Singlife Travel Insurance Promo\n\nWe cover trip cancellation or curtailment for any reason.\n\n[Get a quote\\!](https:\/\/singlife.com\/en\/travel-insurance)\n\n![](https:\/\/singlife.com\/content\/dam\/public\/revamp\/sl-img-app-qrcode.svg)\n\n##### Get the Singlife App\nSave, invest, earn, be insured and rewarded all in one app\\!\n\n![sl-icon-cross.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-cross.svg)\n\n[Products ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Promotions ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Claims ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Payments](https:\/\/singlife.com\/en\/policy-servicing)\n\n[About us ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Blog](https:\/\/singlife.com\/en\/blog)\n\n[Support ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n***\n[Login ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[Claims ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims)\n\n[Contact Us ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/contact-us)\n\n[Make Payments ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/faq\/policy-servicing#premium-payments)\n\n[FAQ ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/faq)\n\nLooking for corporate solutions?\n\n[Corporate](https:\/\/singlife.com\/en\/business)\n\nPromo\n\nUp to 58% OFF Singlife Travel Insurance\n\nWe cover trip cancellation or curtailment for any reason.\n\n[Up to 58% OFF Singlife Travel Insurance](https:\/\/singlife.com\/en\/travel-insurance)\n\n[Get the Singlife App](https:\/\/singlife.com\/en\/singlife-account#singlife-account-app)\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Products](https:\/\/singlife.com\/en\/policy-servicing)\n\nINSURE\n\n[Life Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/life-insurance)\n\n[Medical Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/medical-insurance)\n\n[Critical Illness Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/critical-illness-insurance)\n\n[Disability Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/disability-insurance)\n\n[Maternity Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/maternity-care)\n\n[Accident Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/accident-insurance)\n\n***\n[Car Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/car-insurance)\n\n[Travel Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/travel-insurance)\n\n[Home Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/home-insurance)\n***\n[MINDEF ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/mindef-and-mha\/mindef-group-insurance)\n\n[MHA ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/mindef-and-mha\/mha-group-insurance)\n\n[Public Officers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/pogis)\n\nInvest\n\n[Savings ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/savings)\n\n[Investment-Linked Plans ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/investment-linked-plan)\n\n[Retirement ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/flexi-retirement-ii)\n\n[Singlife Account ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/singlife-account)\n\n[dollarDEX ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/dollardex)\n\n[GROW with Singlife ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/grow-with-singlife)\n***\n[Investment-Linked Plan Funds Reports ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/investment-linked-plan\/fund-performance-reports)\n\n[Fund Information ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/investment-linked-plan\/resources)\n\nYour Life Stage\n\n[Singlife Milestone Map ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/milestone-map)\n\n[Singlife Starter Pack ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/starter-pack)\n\n[Long-Term Care ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/longtermcare)\n\n[Retirement Planning ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/retirement)\n\nPremium\n\n[Singlife Pinnacle ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/pinnacle)\n\n[Singlife Legacy Indexed Universal Life ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/legacy-indexed-universal-life)\n\n[Singlife Legacy Invest ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/pinnacle\/legacy-invest)\n\n[Singlife Legacy Indexed Income ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/pinnacle\/legacy-indexed-income)\n\n[View Corporate Insurance products](https:\/\/singlife.com\/en\/business)\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Promotions](https:\/\/singlife.com\/en\/policy-servicing)\n\nPromotions\n\n[Medical & Life Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/medical-life-insurance)\n\n[Lifestyle Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/lifestyle-insurance)\n\n[MINDEF, MHA & POGIS ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/promotions#tab\/promotion:tag\/mindef-mha-pogis)\n\n[Save & Invest ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/promotions#tab\/promotion:category\/singlife-save-invest)\n\n[View All Promotions](https:\/\/singlife.com\/en\/promotions)\n\nCustomer Rewards\n\n[Rewards ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/rewards#tab\/privileges)\n\n[Birthday Offers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/rewards#tab\/birthday)\n\n[MINDEF \/ MHA Exclusive ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/rewards#tab\/mindef)\n\n[Pinnacle Privileges ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/rewards#tab\/pinnacle-privileges)\n***\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)]()\n\n[View All Rewards](https:\/\/singlife.com\/en\/rewards)\n***\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Claims](https:\/\/singlife.com\/en\/policy-servicing)\n\nIndividual Claims\n\n[Accident ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/life\/accident)\n\n[Critical \/ Terminal Illness ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/life\/critical-illness)\n\n[Death ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/life\/death)\n\n[Disability ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/life\/disability)\n\n[Maternity ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/life\/maternity)\n\n***\n[Medical and Hospitalisation ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/medical\/medical-and-hospitalisation)\n\n[Other Medical Benefits ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/medical\/other-medical-benefits)\n***\n[Car ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/lifestyle\/car)\n\n[Home ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/lifestyle\/home)\n\n[Travel ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/lifestyle\/travel)\n\n[Personal Accident ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/lifestyle\/personal-accident)\n\nGROUP CLAIMS\n\n[MINDEF & MHA ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/group\/mindef-and-mha)\n\n[Public Officers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/group\/pogis)\n***\n[Corporate Plan ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/employee-benefits\/corporate-insurance-claims)\n\n[EBConnect ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/employee-benefits\/ebconnect)\n\n[Work Injury Compensation (WICA) ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/lifestyle\/wica)\n\n[Public Liability ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/employee-benefits\/commercial-insurance-claims)\n\n[Property All Risks ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/claims\/employee-benefits\/commercial-insurance-claims)\n\nOTHERS\n\n[Letter of Guarantee ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/business\/group-insurance\/group-hospital-and-surgical-insurance#pre-authorisation)\n\n[Medical Specialist ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/medical-insurance\/medicalspecialists)\n\n[View All Claims](https:\/\/singlife.com\/en\/claims)\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Payments](https:\/\/singlife.com\/en\/policy-servicing)\n\n***\n***\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) About us](https:\/\/singlife.com\/en\/policy-servicing)\n\nABOUT SINGLIFE\n\n[Our Brand Story ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us)\n\n[SG60 and Beyond ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/sg60-and-beyond)\n\n[Financial Freedom Index ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/financial-freedom-index)\n\n[Leadership Team ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/leadership-team)\n\n[Corporate Governance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/corporate-governance)\n\n[Investor Relations ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/investor-relations)\n\n[Newsroom ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/newsroom)\n\n[Sustainability Strategy ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/sustainability-strategy)\n\n[Innovation & Ecosystem ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/about-us\/innovation-and-ecosystem)\n\nCAREERS\n\n***\n[Corporate ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.darwinbox.com\/ms\/candidate\/careers)\n\n[Singlife Financial Advisers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlifefa.com\/)\n\n[Singlife Management Associate Programme ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/careers\/management-associate-programme)\n\n[All Careers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/careers)\n***\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Blog](https:\/\/singlife.com\/en\/policy-servicing)\n\nLIFESTUFF\n\n[Money ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/blog\/money)\n\n[Health ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/blog\/health)\n\n[Lifestyle ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/blog\/lifestyle)\n***\n[View All](https:\/\/singlife.com\/en\/blog)\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Support](https:\/\/singlife.com\/en\/policy-servicing)\n\nFORMS\n\n[Personal Accident Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&personal-accident-insurance)\n\n[Car Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&car-insurance)\n\n[Travel Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&travel-insurance)\n\n[Home Insurance ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#lifestyle-insurance&home-insurance)\n\n***\n[Life, Medical, Savings and Retirement ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#life-medical-savings-and-retirement)\n\n[MINDEF ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&mindef)\n\n[MHA ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&mha)\n\n[Public Officers ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/form-library#mindef-mha-pogis&pogis)\n\n[View All Forms](https:\/\/singlife.com\/en\/form-library)\n\nResources\n\n[Useful Guides ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/useful-guides)\n\n[COVID-19 Advisory ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/novel-coronavirus-notice)\n\n[Payouts via PayNow-NRIC\/FIN ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/payouts-via-paynow)\n\n[BetterView ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/sgfindex)\n\n[Care Collab ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/carecollab)\n\n[Security Advisory ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/singlife-security-advisory)\n\nhelp\n\n[FAQ ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/faq)\n\n[Contact Us ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/contact-us)\n\n[Policy Servicing ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/singlife.com\/en\/policy-servicing)\n\n[![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg) Login](https:\/\/singlife.com\/en\/policy-servicing)\n\nCustomer Portals\n\n[MYSINGLIFE ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/mysinglife.singlife.com\/)\n\nCorporate Portals\n\n[EBConnect ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/ebconnect.singlife.com\/eb\/homepage\/#\/)\n\nFinancial Advisers\n\n[Singlife Online (SOL) ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/applogin.singlife.com\/adviser\/#\/login)\n\n[PocketSQS ![sl-icon-chevron.svg](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-icon-chevron.svg)](https:\/\/applogin.singlife.com\/SQS\/login\/)\n\n[Singlife EzSub 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By continuing, you accept our [cookie policy](https:\/\/singlife.com\/en\/cookie-policy).\n\n# **Policy Servicing**\nAll the know-hows to making payments or changes to your policies\n\nPaying for your policy\n\nPolicy changes\n\nPolicy monies\n\nJump to Section\n\n![dropdown](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-dropdown.svg)\n\n- [Premium Payments](https:\/\/singlife.com\/en\/policy-servicing#premium-payments)\n  - [Life, Health, Savings, Retirement & Zurich Plans](https:\/\/singlife.com\/en\/policy-servicing#life-health-savings-retirement-and-zurich-plans)\n  - [Group Insurance](https:\/\/singlife.com\/en\/policy-servicing#group-insurance)\n  - [Singlife Account](https:\/\/singlife.com\/en\/policy-servicing#singlife-account)\n  - [SL Series Policies (Policies beginning with SL)](https:\/\/singlife.com\/en\/policy-servicing#singlife-series-policies)\n- [Automatic Premium Loan (APL) \/ Non-Forfeiture Loan (NFL)](https:\/\/singlife.com\/en\/policy-servicing#automatic-premium-loan)\n- [Reviving A Lapsed Policy (Reinstatement)](https:\/\/singlife.com\/en\/policy-servicing#reviving-a-lapsed-policy)\n\nOur financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife.\n\nAll payments must be made through the official channels.\n\nPlease refer to the list below for available premium payment methods.\n\nLife, Health, Savings, Retirement & Zurich Plans\n\nInterbank GIRO\n\n## **eGIRO**\nFor DBS\/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders\n\nAccount holders from the above banks can enjoy simple, hassle-free and quick way to set up a **recurring** payment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through [MySinglife](https:\/\/mysinglife.singlife.com\/account\/loginhttps:\/\/mysinglife.singlife.com\/account\/login).\n\n- Login to your [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login) account\n- Select “Policy Servicing”\n- Select “Set up eGIRO for Premium Payment”\n- Select your desired Policy Number\n- Click “Next”\n- Update the bank account details and select the bank that you wish to use for enrolment\n- Click Set up eGIRO\n- You will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password\n- Enter the OTP or login authentication pop-out notification sent from your bank to complete the transaction.\n\nIt will only take a few minutes for the GIRO application to be approved.   \n   \n Please review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing.\n\n## **DBS\/POSB Ibanking GIRO**\nFor DBS\/POSB bank account holders\n\nClick [here](https:\/\/www.dbs.com.sg\/personal\/deposits\/pay-with-ease\/local-bill-payments\/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS\/POSB channels:\n\n**\\- Internet Banking**\n\nAfter logging in, go to Pay (Bills and Card) \\> Add GIRO Arrangement \\> Select Billing Organisation\n\n**\\- For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy**\n\nSelect Singlife(Life) and enter your Policy Number in the DDA Reference number field\n\n**\\- For Medical Insurance policy**\n\nSelect Singlife(Health) and enter your Policy Number in the DDA Reference number field\n\n## **Hardcopy GIRO Form**\nComplete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935.\n\n[Download Interbank GIRO form for Life Health and Zurich Policies](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/Application-Form-for-Interbank-GIRO.pdf)\n\nPlease note that the approval process can take up to 6 weeks depending on your bank.\n\nAXS payments\n\nYou can pay for your premiums via [AXS e-Station](https:\/\/www.axs.com.sg\/axsEstation.php), [AXS m-Station (mobile app](https:\/\/www.axs.com.sg\/axsMstation.php)) and [AXS Station (kiosk).](https:\/\/www.axs.com.sg\/axsStation.php)\n\n- Select “Pay Bills” \\> Select “Insurance” \\> Select “Singapore Life Ltd.”\n- Select \"Individual Life\/Health Insurance\"\n- Select \"Policy No.\"\n- Enter your Policy No., Premium Amount and Contact No.\n- Follow the steps on the screen to make payment\n\nIf your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https:\/\/axs.com.sg\/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits.\n\nPlease note that the payment update process can take up to two business days. You do not need to submit proof of payment to us\n\nPayNow\n\nIf you have PayNow set up, you can make payment for your **renewal policies** using PayNow by scanning our QR code generated in [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login)\n\n- Login to your [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login) account\n- Select “Policy Servicing”\n- Select Make Premium Payment with PayNow.\n- Select your desired Policy Number(s)\n- Click “Confirm Selection”\n- Click Proceed to Pay.\n- Scan the QR code with your banking account and App to complete payment.\n\nNote: The QR code expires after 15minutes. Do ensure that you make your payment before that.\n\nPlease note that it takes 1 working day for payment to be updated.\n\nBill Payment (For DBS\/POSB & UOB account holders)\n\n**DBS Bill Payment (for DBS\/POSB Internet Banking users)**\n\n**For Life Insurance, Savings, Retirement, Zurich & Investment-Linked policy**\n\n- Select Singlife-Life & General and indicate your Policy Number in the reference field.\n\n**For Medical Insurance policy**\n\n- Select Singlife-Group Life & Medical and indicate your Policy Number in the reference field.\n\n**UOB Bill Payment(for UOB Internet Banking users)**\n\n**For Medical & Life Insurance, Savings, Retirement, Zurich & Investment-Linked policy**\n\n- Select Singlife (Life,Health & General) and indicate your Policy Number in the reference field.\n\nPlease note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed.\n\nInterbank Funds Transfer (For non-DBS\/POSB & non-UOB account holders)\n\nFor SGD policy, please pay to Singapore Life Ltd.’s DBS bank account no. (003-958595-0) and indicate your Policy Number as the reference.\n\nPlease note that the payment update process can take up to two business days. You do not need to submit proof of payment to us. You will be notified via SMS once your payment has been processed\n\nCredit Card\n\nIf you are currently paying for your policy’s recurring premiums via credit card, you may login to [MySinglife](https:\/\/mysinglife.singlife.com\/account\/loginhttps:\/\/mysinglife.singlife.com\/account\/login) and change\/update your credit card details online.\n\nPlease note that credit card payment is accepted for selected plans only.\n\n1. Log in to MySinglife\n2. Select “Policy Servicing”\n3. Select “Update Credit Card Details”\n4. Select your desired Policy Number\n5. Click “Confirm Selection”\n6. Select your Card type and update the cardholder details\n7. Click “Next”\n8. You will be routed to a page to input your Credit Card Number, Card Holders name, Expiry Date and CVN number.\n9. Review your order and click pay. A \\$1 pre authorization charge will be made to validate your card.\n\nTelegraphic Transfer\n\nPolicyholders can make payment via telegraphic transfer to the bank account denominated in the contract currency.\n\nPlease indicate the following details in the transfer application:\n\n- Policyholder's full name (as indicated in the application form)\n- **Policyholder's Identification number\/Passport number**\n- Policy number\n\nPlease remit the amount as per contract currency to the corresponding **Singapore Life Ltd.** bank account shown below:\n\n| Contract Currency | Bank | Bank Account no. | SWIFT Code |\n|---|---|---|---|\n| AUD | DBS Bank | 0072-172756-01-0 | DBSSSGSG |\n| EUR | DBS Bank | 0072-172758-01-3 | DBSSSGSG |\n| GBP | DBS Bank | 0072-172759-01-5 | DBSSSGSG |\n| HKD | DBS Bank | 0072-172760-01-2 | DBSSSGSG |\n| SGD | DBS Bank | 003-958595-0 | DBSSSGSG |\n| USD | DBS Bank | 0072-172757-01-1 | DBSSSGSG |\n\n**Note:**\n\nCustomers are responsible for any charges imposed by both the remitting and receiving banks when submitting funds to Singapore Life Ltd. Please select “OUR” or “Bank charges by Applicant” during the application to ensure all processing fees are borne by the customer.\n\nThe bank will inform the customers on their applicable exchange rates and fees to ensure the correct amount is transferred\n\n**Processing time:**\n\nPremium processing for telegraphic transfer can take up to 7 working days. Clients will be notified via SMS once the payment has been processed.\n\nCheque\n\nSingapore is moving towards a cheque-less future as part of its vision to become a digital-first nation. At Singlife, we believe this change benefits our customers, so we will no longer accept cheque payments.\n\nFAQ\n\nHow long is the payment grace period?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nThe grace period begins on the premium due date and lasts for at least 30 days\\*. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse.\n\n\\*Please refer to your Policy Contract provision\n\nHow do I know that my Policy has lapsed?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou will receive a Lapse notice from us.\n\nTo know more about reinstating your policy, please refer to the [Reviving A Lapsed Policy (Reinstatement)](https:\/\/singlife.com\/en\/policy-servicing#reviving-a-lapsed-policy) section.\n\nWhen will my premium be deducted from my GIRO account?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**New application**\n\nFor the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer.\n\n**After policy issuance**\n\n|   |   |   |   |\n|---|---|---|---|\n| **Plan Type** | **Premium Due Date** | **1st Deduction** | **2nd Deduction** |\n| Individual Life | 1st - 14th of the month | 12th of the month | 27th of the month |\n| 15th - 31st of the month | 27th of the month | 12th of next month |   |\n| Long Term Care | 17th of the month - 16th of next month | 18th of next month | NA |\n| Investment Linked Policies | 1st - 14th of the month | 27th of previous month | 12th of the month |\n| 15th - 31st of the month | 12th of the month | 27th of the month |   |\n| Singlife Shield\/ Singlife Health Plus | 1st - end of the month | 7th of the month | 20th of the month |\n\nIf the deduction dates falls on a non-working day, the deduction will take place on next working day.\n\nWhen will my credit card deduction be made?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**New application**\n\nFor the initial premium, we will deduct from your credit card once we have approved the application.\n\nIf you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer.\n\n**After policy issuance**\n\nPremiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day.\n\nGroup Insurance\n\nInterbank GIRO\n\n## DBS\/POSB Ibanking GIRO\n### **\\- For DBS\/POSB bank account holders**\nClick [here](https:\/\/www.dbs.com.sg\/personal\/deposits\/pay-with-ease\/local-bill-payments\/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS\/POSB channels:\n\n**\\- Internet Banking**\n\nAfter logging in, go to Pay (Bills and Card) \\> Add GIRO Arrangement \\> Select Billing Organisation\n\n**\\- For MINDEF\/MHA policy**\n\nSelect Singlife(Health) and enter \"0686xxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For Public Officers Group Insurance Scheme (POGIS) policy**\n\nSelect Singlife(Health) and enter \"PGxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For ExxonMobil policy**\n\nSelect Singlife(Health) and enter \"EXxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For Portable Medical policy and other bank account holders**\n\nComplete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank.\n\n## Hardcopy GIRO Form\nComplete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935.\n\n[Download Interbank GIRO for MINDEF, MHA and POGIS policies](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/mindef-and-mha\/forms\/MHA-MINDEF-giro-application-form.pdf)\n\n[Download Interbank GIRO for ExxonMobil policy](https:\/\/singlife.com\/content\/dam\/business\/sg\/documents\/forms\/exxonmobil-giro-application-form.pdf)\n\n[Download Interbank GIRO for Portable Medical policy](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/interbank-giro-for-portable-medical-policy.pdf)\n\nPlease note that the approval process can take up to 6 weeks depending on your bank.\n\nAXS payments\n\nYou can pay for your premiums via [**AXS e-Station**](https:\/\/www.axs.com.sg\/axsEstation.php), [**AXS m-Station (mobile app**](https:\/\/www.axs.com.sg\/axsMstation.php)) and [**AXS Station (kiosk).**](https:\/\/www.axs.com.sg\/axsStation.php)\n\n- Select “Pay Bills” \\> Select “Insurance” \\> Select “Singapore Life Ltd.”\n- Select \"Group Life & Health Insurance\"\n- Enter your Policyholder Identify No., Premium Amount and Contact No.\n- Follow the steps on the screen to make payment\n\nIf your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https:\/\/axs.com.sg\/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits.\n\nPlease note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed.\n\nBill Payment (For DBS\/UOB account holders)\n\n**DBS Bill Payment (for DBS\/POSB Internet Banking users)**\n\n**For Group Insurance Scheme - MINDEF\/MHA\/Public Officers Group Insurance Scheme (POGIS)\/ExxonMobil\/Portable Medical policy**\n\n- Select Singlife-Group Life & Medical and indicate the 8-digit Client Reference Number in the reference field.\n\n**UOB Bill Payment(for UOB Internet Banking users)**\n\n**For Group Insurance Scheme - MINDEF\/MHA\/Public Officers Group Insurance Scheme (POGIS)\/ExxonMobil\/Portable Medical policy**\n\n- Select Singlife-Group Life & Medical and indicate the 8-digit Client Reference Number in the reference field.\n\nPlease note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed.\n\nCheque\n\nSingapore is moving towards a cheque-less future as part of its vision to become a digital-first nation. At Singlife, we believe this change benefits our customers, so we will no longer accept cheque payments.\n\nInterbank Funds Transfer (For non-DBS\/POSB & non-UOB account holders)\n\nFor SGD policy, please pay to Singapore Life Ltd.’s DBS bank account no. (003-958595-0) and indicate your Policy Number as the reference.\n\nPlease note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed.\n\nCredit Card\/PayNow\n\nKindly be informed that credit card and PayNow payments are only eligible via our online portal for insured members under credit card.\n\nTo convert your payment method to credit card, kindly contact us at: [sggroup\\_admin@singlife.com](mailto:sggroup_admin@singlife.com)\n\nCardup\n\nYou may make payment for your premiums via CardUp\n\nSteps for payment:\n\n- Select: Create payment -\\> Insurance\n- Under Recipient, kindly select: Singapore Life Ltd\n- Indicate your payment amount and payment method\n- Follow the steps on the screen to make payment\n- Under the field for Payment reference, kindly indicate your client reference number or NRIC followed by policy number (e.g. 00322180 3037850 or S\/TXXXXXXXX 3037850)\n\nSinglife Account\n\nSinglife Account Top Up\n\n1. Top up using FAST\/PayNow QR from MySinglife App\n2. For FAST transfer, select FAST\/immediate transfer for your transaction. Enter the details as shown on the MySinglife app.\n3. For PayNow QR, launch your preferred mobile banking app. Scan or upload the QR code in MySinglife app. Check payment details and confirm payment.\n\nPlease ensure the bank account holder’s name matches the Singlife Account policyowner’s name.\n\nSL Series Policies (Policies beginning with SL)\n\nInterbank GIRO\n\n1. Download the GIRO Application form for SL series policy [here](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/application-form-sl-series.pdf)\n2. Complete and return the original Application for Interbank GIRO form with\n   wet ink signature\n   to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935.\n3. Please note that the approval process can take up to 6 weeks, depending on your bank.\n\nInterbank Funds Transfer\n\nFor SGD policy, please pay to the below Singapore Life Ltd.’s DBS bank account no. and indicate your Policy Number as the reference.\n\nPlease note that the payment update process can take up to two business days.\n\n| Policy Type | Currency | Bank | Bank Account No. |\n|---|---|---|---|\n| SL series policy | SGD | DBS Bank Ltd | 003-938093-3 |\n\nTelegraphic Transfer\n\nPolicyholders can make payment via telegraphic transfer to the bank account denominated in the contract currency.\n\nPlease indicate the following details in the transfer application:\n\n- Policyholder's full name (as indicated in the application form)\n- **Policyholder's Identification number\/Passport number**\n- Policy number\n\nPlease remit the amount as per contract currency to the corresponding **Singapore Life Ltd.** bank account shown below:\n\nSL Series Policy\n\n| Currency | Bank | Bank Account No | SWIFT Code |\n|---|---|---|---|\n| SGD | DBS Bank Ltd | 003-938093-3 | DBSSSGSG |\n| USD | DBS Bank Ltd | 0003-036318-01-2 | DBSSSGSG |\n| AUD | DBS Bank Ltd | 0003-036315-01-7 | DBSSSGSG |\n\n**Note:**\n\nCustomers are responsible for any charges imposed by both the remitting and receiving banks when submitting funds to Singapore Life Ltd. Please select “OUR” or “Bank charges by Applicant” during the application to ensure all processing fees are borne by the customer.\n\nThe bank will inform the customers on their applicable exchange rates and fees to ensure the correct amount is transferred\n\n**Processing time:**\n\nPremium processing for telegraphic transfer can take up to 7 working days. Clients will be notified via SMS once the payment has been processed.\n\nCredit Card\n\nIf you require to update your credit card details for your SL Series policy we will provide you with direct customer support. Please email us at [cs\\_life@singlife.com](mailto:cs_life@singlife.com) or call us at 6827 9933 (8.45am to 5.30pm, Mondays to Fridays, excluding Public Holidays).\n\nAXS payments\n\nYou can pay for your premiums via [**AXS e-Station**](https:\/\/www.axs.com.sg\/axsEstation.php), [**AXS m-Station (mobile app**](https:\/\/www.axs.com.sg\/axsMstation.php)) and [**AXS Station (kiosk).**](https:\/\/www.axs.com.sg\/axsStation.php)\n\n- Select “Pay Bills” \\> Select “Insurance” \\> Select “Singapore Life Ltd.”\n- Select \"Individual Life\/Health Insurance\"\n- Select \"Policy No.\"\n- Enter your Policy No., Premium Amount and Contact No.\n- Follow the steps on the screen to make payment\n\nIf your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https:\/\/axs.com.sg\/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits.\n\nPlease note that the payment update process can take up to two business days. You do not need to submit proof of payment to us\n\nFAQ\n\nWhen will my premium be deducted from my GIRO account?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**For SL series policy**\n\nYour premium will be deducted on the premium due date.\n\nHow many GIRO deduction attempts will there be?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nWe will attempt to deduct up to 3 times. Each deduction attempt will be 10 days apart. If we are unable to retry or the 3 attempts have failed, the GIRO payment method will be deactivated for your policy and you will need to arrange for payment to us by another method. You will be informed when your GIRO payment method is deactivated.\n\n**For SL series policy**\n\nIf the 1st attempt is unsuccessful, the 2nd attempt will be 10 days later. If the 2nd attempt is still unsuccessful, the 3rd attempt will be 10 days after the 2nd attempt.\n\nKindly refer to the illustration below:\n\n- 1st deduction: 1 Jan 2025\n- 2nd deduction: 11 Jan 2025\n- 3rd deduction: 21 Jan 2025\n\nWhat happens to my policy if my GIRO account is cancelled?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou will be notified when payment deductions are unsuccessful. Should we not receive payment for your policy to keep it in-force, your policy will lapse and any cover will be forfeited.\n\nAre there additional charges if I choose to pay via Credit Card?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nThere are no additional charges for payment via Credit Card at the moment. However, there may be changes in the future.\n\nWhen will my credit card deduction be made?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**After policy issuance**\n\n**For SL series policy**\n\nPremiums will be deducted from your credit card on each premium due date. If the due date falls on a weekend or Public Holiday, the deduction will be made on the working day prior, not on the actual premium due date.\n\nFor example:\n\n- Next premium due: 11 Mar 2025 (Monday)\n- Next premium deduction date: 10 Mar 2025 (Sunday)\n- Creditcard deduction date: 8 Mar 2025 (Fri)\n\nHow many credit card deduction attempts will there be?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nWe will attempt to deduct up to 3 times. If we are unable to retry or the 3 attempts have failed, the credit card payment method will be deactivated for your policy and you will need to arrange for payment to us by another method. You will be informed when your credit card payment method is deactivated.\n\n**For SL series policy**\n\nIf the 1st attempt is unsuccessful, the 2nd attempt will be 10 days later. If the 2nd attempt is still unsuccessful, the 3rd attempt will be 10 days after the 2nd attempt.\n\nYou may refer to the illustration below:\n\n- 1st deduction: 1 July 2025\n- 2nd deduction: 11 July 2025\n- 3rd deduction: 21 July 2025\n\nWhat happens to my policy if my credit card account is cancelled?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou will be notified when payment deductions are unsuccessful. Should we not receive payment for your policy to keep it in-force, your policy will lapse and any cover will be forfeited.\n\nWhat are the acceptable credit cards for online payment of premiums?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nWe accept payment by Visa \/ Mastercard credit card only.\n\nAutomatic Premium Loan (APL) \/ Non-Forfeiture Loan (NFL)\n\nIf your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits.\n\nAPL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary.\n\nIf the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure.\n\nFAQ\n\nHow do I redeem my Automatic Premium Loan (APL)?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou can [contact us](https:\/\/singlife.com\/en\/contact-us) for an APL redemption quotation and make a partial or full payment for your APL.\n\nMust I redeem all my outstanding APL?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nNo, you may opt to make a partial or full payment. It is advisable to redeem your APL and accumulated interest as soon as possible as they will exhaust your policy's cash value.\n\nWhat will happen if I do not pay my APL and the interest accumulated?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nAny outstanding APL and accumulated interest will exhaust your Policy Cash Value. Once your policy's cash value is used up, your policy will lapse and will no longer be in force.\n\nReviving A Lapsed Policy (Reinstatement)\n\nIt is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL). A notification will be sent to you when your policy has lapsed.\n\nTo resume the effective coverage of your policy (known as Reinstatement of the Policy):\n\n- Declare your health status by completing the health declaration form:\n  - For Life policies: [Policy Health Declaration (for Life Products)](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life-insurance\/forms\/individual-life-policies\/policy-servicing-health-declaration-for-life-products.pdf)\n  - For Health policies: [Policy Servicing Health Declaration (for Health Products)](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/medical-insurance\/singlife-shield\/health-declaration.pdf)\n  - For Long Term Care policies: [Reinstatement for Singlife ElderShield Standard\/Singlife ElderShield Plus\/Singlife CareShield Standard\/Singlife CareShield Plus](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/disability-insurance\/singlife-careshield-standard-and-singlife-careshield-plus\/reinstatement-form.pdf)\n- Pay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any).\n\nReinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review.\n\nWe recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a [GIRO application](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/Application-Form-for-Interbank-GIRO.pdf).\n\nFAQ\n\nCan I reinstate my policy after the deadline stated in the Lapse Letter?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou can request to reinstate the policy within 12 months\\* from the policy lapse date (the date on which the last premium due was not paid).\n\nReinstatement is subject to underwriting; all outstanding premiums^ from the lapse date and any premiums due on the reinstatement date are to be paid.\n\n\\* Please refer to your Policy Contract provision for the reinstatement application period applicable for your policy.\n\n^ You can contact us for a new quotation.\n\nJump to Section\n\n![dropdown](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-dropdown.svg)\n\n- [Attaching Riders](https:\/\/singlife.com\/en\/policy-servicing#attaching-riders)\n- [Assigning a Policy](https:\/\/singlife.com\/en\/policy-servicing#assigning-a-policy)\n- [Converting to Paid-Up Policy](https:\/\/singlife.com\/en\/policy-servicing#converting-to-paid-up-policy)\n- [Updating Personal Contact Information](https:\/\/singlife.com\/en\/policy-servicing#updating-personal-contact-information)\n\nAttaching Riders\n\nRiders represent additional benefits that can be added to your existing policy to enhance your coverage. They offer flexibility for you to customize your coverage to meet your specific needs, and can vary according to your existing plan type, term and also additional premiums.\n\nRider premiums are generally based on:\n\n1\n\nType of Rider\n\nThe type, sum assured and terms of the rider being added\n\n2\n\nOccupation and age\n\nYour occupation and age at your next birthday, based on your policy anniversary date on which the new coverage commences\n\n3\n\nUnderwriting assessment\n\nAssessment and approval by our underwriters\n\n[Contact us](https:\/\/singlife.com\/en\/contact-us) to learn which type of riders can be added to your policy.\n\nAssigning a Policy\n\nThe transfer of all rights under an insurance policy from one party (the assignor) to another (the assignee) is called assignment. You are required to notify us of these changes, although Singlife is not responsible for determining the validity of an assignment.\n\nThe most common types of assignment are:\n\nAbsolute Assignment (Deed of Assignment), where all rights under the policy are transferred from the assignor to the assignee without any conditions\n\nCollateral Assignment, where all rights under the policy are transferred to the assignee, usually a bank, as collateral or security for a loan granted to the assignor\n\nYou can make an Absolute Assignment by [contacting us](https:\/\/singlife.com\/en\/contact-us). All parties must be over 18 years of age, of sound mind, and cannot be an undischarged bankrupt\n\nYou can make a Collateral Assignment by [contacting us](https:\/\/singlife.com\/en\/contact-us) or contacting the bank or organisation that will become the assignee of the policy for security or collateral. Some banks and other institutions have their own collateral assignment procedures.\n\nConverting to Paid-Up Policy\n\nOnce the policy has acquired cash value, you can choose to stop payment of future premiums by converting the policy to paid-up status. Conversion to reduced paid-up assurance means that you can continue to remain insured for the same policy term but at a reduced sum assured amount.\n\n[Contact us](https:\/\/singlife.com\/en\/contact-us) for assistance if you wish to determine your Policy's paid up value.\n\nUpdating Personal Contact Information\n\nTo help us serve you better, please notify us of any changes in your contact information, including your address, email address and phone numbers. This ensures that we can always reach you in a timely manner.\n\nTo ensure we can reach you promptly, please update any changes to your contact information (address, email, or phone number) by logging into [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login).\n\nGeneral FAQ\n\nWhat does 'freelook period' mean?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nFreelook period is the period provided for you to review a newly issued policy and lasts for 14 days, starting from the date you receive your policy.  \n   \n Anytime during this period if you’re not satisfied with the policy, you may exercise the freelook provision of your policy to cancel the policy and receive a refund.\n\nCancelling your policy under Freelook means that the whole policy is cancelled and there is no insurance coverage. If you have gone for a medical examination for the policy, the medical cost incurred will be self-funded.\n\nHow do I exercise my freelook option?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nFor policies within the freelook period, you can submit a policy cancellation request via the MySinglife portal.\n\n- Log in to [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login)\n- Select “Services” \\> “Policy Servicing” \\> “Freelook Cancellation”\n\nHow do I terminate my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nFor policies with no cash value, you can submit a termination request via the MySinglife portal.\n\n- Log in to [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login)\n- Select “Services” \\> “Policy Servicing” \\> “Policy Termination”\n\nFor policies with cash value, please click [here](https:\/\/singlife.com\/en\/policy-servicing#policy-monies&surrendering-a-policy) for more information.\n\nWill my premium be pro-rated if I terminate my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nThere is no refund for policy termination. However, you will continue to enjoy coverage for the rest of the period you have paid your premium for. The termination of your policy will be effective from the next premium due date.\n\nHow do I change my payment frequency?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou can change your payment frequency via the MySinglife portal.\n\n- Log in to [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login)\n- Select “Services” \\> “Policy Servicing” \\> “Change Payment Frequency”\n\nWhat do I need to take note when changing payment frequency?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**Changing payment frequency from higher to lower frequency**\n\nWhen changing the payment frequency of your policy to a longer term than previously chosen, payment of the remaining premiums will be required for the changes to take effect. This is because changing to a longer payment term will result in a period of cover where the premium has not been paid for.\n\nThis is applicable to the following scenario:\n\nMonthly --\\> Annually, Semi-Annually, Quarterly\n\nQuarterly --\\> Annually, Semi-Annually\n\nSemi-Annually --\\> Annually\n\nTo successfully change to a longer payment term, simply pay the remaining premiums for the policy.\n\n**Changing payment frequency from lower to higher frequency**\n\nWhen changing the payment frequency of your policy to a shorter term than previously chosen, the change will only take effect from the next payment date onwards. This is because the last payment made for your policy was enough to cover the previously chosen period.\n\nThis is applicable to the following scenario:\n\nAnnually --\\> Semi-Annually, Quarterly, Monthly\n\nSemi-Annually --\\> Quarterly, Monthly\n\nQuarterly --\\> Monthly\n\nTo successfully change to a shorter payment term, simply wait until the next payment is due for your policy.\n\nJump to Section\n\n![dropdown](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-dropdown.svg)\n\n- [Policy Loan](https:\/\/singlife.com\/en\/policy-servicing#policy-loan)\n- [When a Policy Matures](https:\/\/singlife.com\/en\/policy-servicing#when-a-policy-matures)\n- [Surrendering a Policy](https:\/\/singlife.com\/en\/policy-servicing#surrendering-a-policy)\n\nPolicy Loan\n\nPolicy loans are available for select plans which have accumulated cash value.\n\nPolicy loan is charged at a 5.5% per annum interest rate that is compounded at your policy's anniversary.\n\nYou may apply for a policy loan up to the maximum percentage stated in your policy contract, less any outstanding policy debt. You may choose to repay your outstanding policy loan (inclusive of interest) by installments.\n\nApply for a Policy Loan now.\n\n[Contact us](https:\/\/singlife.com\/en\/contact-us)\n\n\\* Please refer to your Policy Contract provision for the maximum percentage of your cash value that is eligible for a Policy Loan.\n\nFAQ\n\nWhat are the minimum and maximum Policy Loan amounts I can request?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nThe minimum policy loan amount is S\\$200. The maximum policy loan you can take is based on the maximum percentage amount specified in your policy contract provision, less any outstanding policy debt.\n\nHow quickly can I receive my policy loan amount?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nUpon receipt of all documents duly completed and signed, you will receive the policy loan via one of the following means:\n\n- PayNow-NRIC\/FIN: the payout will be made through PayNow-NRIC\/FIN within 3 working days. Please check that you have registered for PayNow with your bank.\n- Direct Credit: within 7 working days. Please provide us with a copy of your bank passbook\/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out.\n\nWhen a Policy Matures\n\nA maturity amount is payable once your policy reaches maturity. We will notify you when your policy maturity date is approaching. After this date, your policy is considered to have matured and is no longer in force.\n\nFAQ\n\nHow will I know when my policy will mature?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou can refer to your Policy Schedule for maturity date. You will also receive our notification 1 month before the maturity date.\n\nWhen will I be notified of the maturity of my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou will be notified 1 month before the maturity date.\n\nWhat is my policy's projected return at maturity?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n[Contact us](https:\/\/singlife.com\/en\/contact-us) for a projected Maturity Quotation. However, this projected value assumes prevailing bonus rates remain unchanged and does not reflect any outstanding loans or other indebtedness.\n\nSurrendering a Policy\n\nYour policy that has cash value can be surrendered in exchange for its cash surrender value upon cancellation of the policy.\n\nYou should consider carefully the surrendering of your policy, as it would mean the loss of protection for you and your family. Replacing your coverage, even if done immediately, might require a higher premium due to your older entry age. A new policy will also take time to build up a cash value over the years.\n\nYou might want to take a [policy loan](https:\/\/singlife.com\/en\/faq\/policy-servicing#policy-monies) instead which still allows you to enjoy your insurance coverage.\n\nFAQ\n\nWhen can I surrender my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nOnce your policy acquires a cash value, you can surrender it at any time.\n\nHow do I know the amount of cash value acquired by my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n[Contact us](https:\/\/singlife.com\/en\/contact-us) for assistance in determining your policy's cash value.\n\nWhat documents will I need to submit?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nYou will need to submit:\n\n- [Surrender\/Withdrawal Form for Traditional Policy](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-life-policies\/request-for-surrender-of-traditional-plans.pdf) or\n- [Surrender\/Withdrawal Form for Investment Linked and Global Investment Plan](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-life-policies\/Global_Investment_Plans_Surrender_Form.pdf) and\n- Copy of the Assured\/Joint Assured\/Assignee(s) NRIC or Passport.\n- Copy of Trustee(s)\/Beneficiary(ies) NRIC, Passport or Birth Certificate (if your policy is under Trust)\n\nCan I surrender part of my policy?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nFor an investment-linked policy or the investment-linked portion of a policy, you can partially surrender these policies by completing the Surrender \/ Withdrawal Form for Investment - Link Policy (ILP) Form.\n\nFor the non-investment linked portion of a policy, you can partially surrender the entire non investment-linked portion of this policy unless otherwise specified in the policy contract.\n\nWhen can I receive the policy proceeds?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nUpon receipt of all documents duly completed and signed, you will receive the policy proceeds via one of the following means:\n\n**For Investment-Linked policy:**\n\n- PayNow-NRIC\/FIN: the payout will be made through PayNow-NRIC\/FIN within 3 working days (after the unit dealing day\\*). Please check that you have registered for PayNow with your bank.\n- CPF Ordinary Account (Agent Bank): within 3 working days (after the unit dealing day\\*) into the Agent Bank for transfer into CPF Ordinary Account.\n- CPF Special Account: within 3 working days (after the unit dealing day\\*).\n- SRS Account: within 3 working days (after the unit dealing day\\*).\n- Direct Credit: within 7 working days (after the unit dealing day\\*). Please provide us with a copy of your bank passbook\/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out.\n\n\\* The unit deal day is the date we set the unit price for a Fund.\n\n**For non Investment-Linked policy:**\n\n- PayNow-NRIC\/FIN: the payout will be made through PayNow-NRIC\/FIN within 3 working days. Please check that you have registered for PayNow with your bank.\n- CPF Ordinary Account (Agent Bank): within 5 working days into the Agent Bank for transfer into CPF Ordinary Account.\n- CPF Special Account: within 5 working days.\n- SRS Account: within 5 working days.\n- Direct Credit: within 7 working days. Please provide us with a copy of your bank passbook\/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out.\n\n[![](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-back-top.svg)](\"Back To Top\")\n\n1. [Singlife](https:\/\/singlife.com\/en)\n2. ![](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-right-white.svg)\n3. [Policy Servicing](https:\/\/singlife.com\/en\/policy-servicing)\n\nAbout us\n\n- [About us](https:\/\/singlife.com\/en\/about-us)\n- [Our Partners](https:\/\/singlife.com\/en\/contact-us\/partners)\n- [Newsroom](https:\/\/singlife.com\/en\/about-us\/newsroom)\n- [Careers](https:\/\/singlife.com\/en\/careers)\n- [Investor Relations](https:\/\/singlife.com\/en\/about-us\/investor-relations)\n- [Blog](https:\/\/singlife.com\/en\/blog)\n- [Innovation & Ecosystem](https:\/\/singlife.com\/en\/about-us\/innovation-and-ecosystem)\n\nInsure\n\n- [Life Insurance](https:\/\/singlife.com\/en\/life-insurance)\n- [Medical Insurance](https:\/\/singlife.com\/en\/medical-insurance)\n- [Critical Illness Insurance](https:\/\/singlife.com\/en\/critical-illness-insurance)\n- [Disability Insurance](https:\/\/singlife.com\/en\/disability-insurance)\n- [Maternity Insurance](https:\/\/singlife.com\/en\/maternity-care)\n- [Accident Insurance](https:\/\/singlife.com\/en\/accident-insurance)\n- [Car Insurance](https:\/\/singlife.com\/en\/car-insurance)\n- [Travel Insurance](https:\/\/singlife.com\/en\/travel-insurance)\n- [Home Insurance](https:\/\/singlife.com\/en\/home-insurance)\n- [MINDEF & MHA](https:\/\/singlife.com\/en\/mindef-and-mha)\n- [Public Officers](https:\/\/singlife.com\/en\/pogis)\n\nSave and Invest\n\n- [Savings](https:\/\/singlife.com\/en\/savings)\n- [Investment-Linked Plans](https:\/\/singlife.com\/en\/investment-linked-plan)\n- [Retirement](https:\/\/singlife.com\/en\/flexi-retirement-ii)\n- [Singlife Account](https:\/\/singlife.com\/en\/singlife-account)\n- [dollarDEX](https:\/\/singlife.com\/en\/dollardex)\n- [GROW with Singlife](https:\/\/singlife.com\/en\/grow-with-singlife)\n\nUseful Links\n\n- [Common Reporting Standard](https:\/\/singlife.com\/en\/common-reporting-standard)\n- [FATCA](https:\/\/singlife.com\/en\/fatca)\n- [Fair Dealing](https:\/\/singlife.com\/en\/fair-dealing)\n- [Contact Us](https:\/\/singlife.com\/en\/contact-us)\n- [Forms](https:\/\/singlife.com\/en\/form-library)\n- [FAQ](https:\/\/singlife.com\/en\/faq)\n- [Claims](https:\/\/singlife.com\/en\/claims)\n- Follow Us\n  [![facebook](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/icons\/social\/facebook.png)](https:\/\/www.facebook.com\/SinglifeSG \"Facebook\")  [![linkedin](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/icons\/social\/linkedin.png)](https:\/\/www.linkedin.com\/company\/singlife\/ \"Linkedin\")  [![youtube](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/icons\/social\/youtube.png)](https:\/\/www.youtube.com\/@singlifesg \"Youtube\")  [![instagram](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/icons\/social\/instagram.png)](https:\/\/www.instagram.com\/singlife\/ \"Instagram\")\n\n![](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/apec-logo.svg)\n\nSingapore Life Ltd. complies with the APEC Cross Border Privacy Rules (CBPR) system. The APEC CBPR system provides a framework for organisations to ensure protection of personal data transferred among participating APEC economies.\n\n![](https:\/\/singlife.com\/content\/dam\/public\/sg\/images\/data-protection-logo.svg)\n\nThis DPTM certificate recognises our commitment to the protection of our customers' personal data and privacy, and seeks to reassure customers of Singapore Life Ltd.'s high data governance and protection standards.\n\n[Site Map](https:\/\/singlife.com\/en\/site-map)\n\n[Terms and Conditions](https:\/\/singlife.com\/en\/terms-and-conditions) [Data Protection Notice](https:\/\/singlife.com\/en\/pdpa) [Cookie Policy](https:\/\/singlife.com\/en\/cookie-policy)\n\n[Security Practices](https:\/\/singlife.com\/en\/security-practices) [Investor Relations \/ Public Disclosure](https:\/\/singlife.com\/en\/about-us\/investor-relations) [Speak Out Policy](https:\/\/singlife.com\/en\/speak-out-policy)\n\n© 2025 Singapore Life Ltd. \\| Company Reg.No.: 196900499K \\| GST Reg.No.: MR-8500166-8\n\nYou are now leaving the Singlife website and entering a third-party site. All the information you provide will be subject to confidentiality and security terms of the applicable third-party site. Singapore Life Ltd does not take responsibility for information you provide at such third-party sites. Would you like to continue?\n\n[No]() [Yes]()\n\n![](https:\/\/www.facebook.com\/tr?id=263761220860617&ev=PageView%0A&noscript=1)","attrs_readable_markdown":"Our financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife.\n\nAll payments must be made through the official channels.\n\nPlease refer to the list below for available premium payment methods.\n\nLife, Health, Savings, Retirement & Zurich Plans\n\n## **eGIRO**\nFor DBS\/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders\n\nAccount holders from the above banks can enjoy simple, hassle-free and quick way to set up a **recurring** payment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through [MySinglife](https:\/\/mysinglife.singlife.com\/account\/loginhttps:\/\/mysinglife.singlife.com\/account\/login).\n\n- Login to your [MySinglife](https:\/\/mysinglife.singlife.com\/account\/login) account\n- Select “Policy Servicing”\n- Select “Set up eGIRO for Premium Payment”\n- Select your desired Policy Number\n- Click “Next”\n- Update the bank account details and select the bank that you wish to use for enrolment\n- Click Set up eGIRO\n- You will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password\n- Enter the OTP or login authentication pop-out notification sent from your bank to complete the transaction.\n\nIt will only take a few minutes for the GIRO application to be approved.\n\nPlease review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing.\n\n## **DBS\/POSB Ibanking GIRO**\nFor DBS\/POSB bank account holders\n\nClick [here](https:\/\/www.dbs.com.sg\/personal\/deposits\/pay-with-ease\/local-bill-payments\/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS\/POSB channels:\n\n**\\- Internet Banking**\n\nAfter logging in, go to Pay (Bills and Card) \\> Add GIRO Arrangement \\> Select Billing Organisation\n\n**\\- For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy**\n\nSelect Singlife(Life) and enter your Policy Number in the DDA Reference number field\n\n**\\- For Medical Insurance policy**\n\nSelect Singlife(Health) and enter your Policy Number in the DDA Reference number field\n\n## **Hardcopy GIRO Form**\nComplete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935.\n\n[Download Interbank GIRO form for Life Health and Zurich Policies](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/Application-Form-for-Interbank-GIRO.pdf)\n\nPlease note that the approval process can take up to 6 weeks depending on your bank.\n\nFAQ\n\nHow long is the payment grace period?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\nThe grace period begins on the premium due date and lasts for at least 30 days\\*. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse.\n\n\\*Please refer to your Policy Contract provision\n\nWhen will my premium be deducted from my GIRO account?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**New application**\n\nFor the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer.\n\n**After policy issuance**\n\n|   |   |   |   |\n|---|---|---|---|\n| **Plan Type** | **Premium Due Date** | **1st Deduction** | **2nd Deduction** |\n| Individual Life | 1st - 14th of the month | 12th of the month | 27th of the month |\n| 15th - 31st of the month | 27th of the month | 12th of next month |   |\n| Long Term Care | 17th of the month - 16th of next month | 18th of next month | NA |\n| Investment Linked Policies | 1st - 14th of the month | 27th of previous month | 12th of the month |\n| 15th - 31st of the month | 12th of the month | 27th of the month |   |\n| Singlife Shield\/ Singlife Health Plus | 1st - end of the month | 7th of the month | 20th of the month |\n\nIf the deduction dates falls on a non-working day, the deduction will take place on next working day.\n\nWhen will my credit card deduction be made?\n\n![sl-chevron-down-black](https:\/\/singlife.com\/etc.clientlibs\/asl-public\/clientlibs\/clientlib-base\/resources\/assets\/icons\/sl-chevron-down-black.svg)\n\n**New application**\n\nFor the initial premium, we will deduct from your credit card once we have approved the application.\n\nIf you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer.\n\n**After policy issuance**\n\nPremiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day.\n\nGroup Insurance\n\n## DBS\/POSB Ibanking GIRO\n### **\\- For DBS\/POSB bank account holders**\nClick [here](https:\/\/www.dbs.com.sg\/personal\/deposits\/pay-with-ease\/local-bill-payments\/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS\/POSB channels:\n\n**\\- Internet Banking**\n\nAfter logging in, go to Pay (Bills and Card) \\> Add GIRO Arrangement \\> Select Billing Organisation\n\n**\\- For MINDEF\/MHA policy**\n\nSelect Singlife(Health) and enter \"0686xxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For Public Officers Group Insurance Scheme (POGIS) policy**\n\nSelect Singlife(Health) and enter \"PGxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For ExxonMobil policy**\n\nSelect Singlife(Health) and enter \"EXxxxxxxxx\", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field\n\n**\\- For Portable Medical policy and other bank account holders**\n\nComplete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank.\n\n## Hardcopy GIRO Form\nComplete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \\#01-18\/19, Marina One The Heart, Singapore 018935.\n\n[Download Interbank GIRO for MINDEF, MHA and POGIS policies](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/mindef-and-mha\/forms\/MHA-MINDEF-giro-application-form.pdf)\n\n[Download Interbank GIRO for ExxonMobil policy](https:\/\/singlife.com\/content\/dam\/business\/sg\/documents\/forms\/exxonmobil-giro-application-form.pdf)\n\n[Download Interbank GIRO for Portable Medical policy](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/interbank-giro-for-portable-medical-policy.pdf)\n\nPlease note that the approval process can take up to 6 weeks depending on your bank.\n\nSinglife Account\n\nSL Series Policies (Policies beginning with SL)\n\nAutomatic Premium Loan (APL) \/ Non-Forfeiture Loan (NFL)\n\nIf your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits.\n\nAPL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary.\n\nIf the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure.\n\nReviving A Lapsed Policy (Reinstatement)\n\nIt is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL). A notification will be sent to you when your policy has lapsed.\n\nTo resume the effective coverage of your policy (known as Reinstatement of the Policy):\n\n- Declare your health status by completing the health declaration form:\n  - For Life policies: [Policy Health Declaration (for Life Products)](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life-insurance\/forms\/individual-life-policies\/policy-servicing-health-declaration-for-life-products.pdf)\n  - For Health policies: [Policy Servicing Health Declaration (for Health Products)](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/medical-insurance\/singlife-shield\/health-declaration.pdf)\n  - For Long Term Care policies: [Reinstatement for Singlife ElderShield Standard\/Singlife ElderShield Plus\/Singlife CareShield Standard\/Singlife CareShield Plus](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/disability-insurance\/singlife-careshield-standard-and-singlife-careshield-plus\/reinstatement-form.pdf)\n- Pay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any).\n\nReinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review.\n\nWe recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a [GIRO application](https:\/\/singlife.com\/content\/dam\/public\/sg\/documents\/life\/life-and-health-savings-retirement-forms\/individual-protection-and-healthcare-policies\/Application-Form-for-Interbank-GIRO.pdf).","meta_canonical":null}

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URL	https://singlife.com/en/policy-servicing
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Boilerpipe Text	Our financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife. All payments must be made through the official channels. Please refer to the list below for available premium payment methods. Life, Health, Savings, Retirement & Zurich Plans eGIRO For DBS/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders Account holders from the above banks can enjoy simple, hassle-free and quick way to set up a recurring payment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through MySinglife . Login to your MySinglife account Select “Policy Servicing” Select “Set up eGIRO for Premium Payment” Select your desired Policy Number Click “Next” Update the bank account details and select the bank that you wish to use for enrolment Click Set up eGIRO You will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password Enter the OTP or login authentication pop-out notification sent from your bank to complete the transaction. It will only take a few minutes for the GIRO application to be approved. Please review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing. DBS/POSB Ibanking GIRO For DBS/POSB bank account holders Click here to apply for GIRO through your bank accounts via DBS/POSB channels: - Internet Banking After logging in, go to Pay (Bills and Card) > Add GIRO Arrangement > Select Billing Organisation - For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy Select Singlife(Life) and enter your Policy Number in the DDA Reference number field - For Medical Insurance policy Select Singlife(Health) and enter your Policy Number in the DDA Reference number field Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, #01-18/19, Marina One The Heart, Singapore 018935. Download Interbank GIRO form for Life Health and Zurich Policies Please note that the approval process can take up to 6 weeks depending on your bank. FAQ How long is the payment grace period? The grace period begins on the premium due date and lasts for at least 30 days. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse. Please refer to your Policy Contract provision When will my premium be deducted from my GIRO account? New application For the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer. After policy issuance Plan Type Premium Due Date 1 st Deduction 2 nd Deduction Individual Life 1 st - 14 th of the month 12 th of the month 27 th of the month 15 th - 31 st of the month 27 th of the month 12 th of next month Long Term Care 17 th of the month - 16 th of next month 18 th of next month NA Investment Linked Policies 1 st - 14 th of the month 27 th of previous month 12 th of the month 15 th - 31 st of the month 12 th of the month 27 th of the month Singlife Shield/ Singlife Health Plus 1 st - end of the month 7 th of the month 20 th of the month If the deduction dates falls on a non-working day, the deduction will take place on next working day. When will my credit card deduction be made? New application For the initial premium, we will deduct from your credit card once we have approved the application. If you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer. After policy issuance Premiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day. Group Insurance DBS/POSB Ibanking GIRO - For DBS/POSB bank account holders Click here to apply for GIRO through your bank accounts via DBS/POSB channels: - Internet Banking After logging in, go to Pay (Bills and Card) > Add GIRO Arrangement > Select Billing Organisation - For MINDEF/MHA policy Select Singlife(Health) and enter "0686xxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field - For Public Officers Group Insurance Scheme (POGIS) policy Select Singlife(Health) and enter "PGxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field - For ExxonMobil policy Select Singlife(Health) and enter "EXxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field - For Portable Medical policy and other bank account holders Complete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, #01-18/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank. Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, #01-18/19, Marina One The Heart, Singapore 018935. Download Interbank GIRO for MINDEF, MHA and POGIS policies Download Interbank GIRO for ExxonMobil policy Download Interbank GIRO for Portable Medical policy Please note that the approval process can take up to 6 weeks depending on your bank. Singlife Account SL Series Policies (Policies beginning with SL) Automatic Premium Loan (APL) / Non-Forfeiture Loan (NFL) If your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits. APL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary. If the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure. Reviving A Lapsed Policy (Reinstatement) It is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL). A notification will be sent to you when your policy has lapsed. To resume the effective coverage of your policy (known as Reinstatement of the Policy): Declare your health status by completing the health declaration form: For Life policies: Policy Health Declaration (for Life Products) For Health policies: Policy Servicing Health Declaration (for Health Products) For Long Term Care policies: Reinstatement for Singlife ElderShield Standard/Singlife ElderShield Plus/Singlife CareShield Standard/Singlife CareShield Plus Pay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any). Reinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review. We recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a GIRO application .
Markdown	[Personal]() [Corporate](https://singlife.com/en/business) Login ##### Customer Portals [MYSINGLIFE](https://mysinglife.singlife.com/) Access your personal or group insurance policies (including MINDEF/MHA/POGIS) and investment portfolio, submit claims, manage payments, and enjoy Singlife Rewards ##### Corporate Portals [EBConnect](https://ebconnect.singlife.com/eb/homepage/#/) HR Business partners and Intermediaries ##### Financial Advisers [Singlife Online (SOL)](https://applogin.singlife.com/adviser/#/login) For Singlife and Navigator financial advisers [PocketSQS](https://applogin.singlife.com/SQS/login/) Access the online sales quotation system [Singlife EzSub](https://ezsub.singlife.com/web/login/) Submit product quotations and applications here [View All Logins](https://singlife.com/en/login) [Claims](https://singlife.com/en/claims "Claims") [Contact Us](https://singlife.com/en/contact-us "Contact Us") [Make Payments](https://singlife.com/en/faq/policy-servicing#premium-payments "Make Payments") [FAQ](https://singlife.com/en/faq "FAQ") Up to 58% OFF Singlife Travel Insurance Promo We cover trip cancellation or curtailment for any reason. [Get a quote\!](https://singlife.com/en/travel-insurance) ![](https://singlife.com/content/dam/public/revamp/sl-img-app-qrcode.svg) ##### Get the Singlife App Save, invest, earn, be insured and rewarded all in one app\! ![Singlife logo](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/logo/sl-logo-singlife.png) Products Promotions Claims Payments About us Blog Support ##### INSURE Medical & Life Insurance [Life Insurance](https://singlife.com/en/life-insurance) [Medical Insurance](https://singlife.com/en/medical-insurance) [Critical Illness Insurance](https://singlife.com/en/critical-illness-insurance) [Disability Insurance](https://singlife.com/en/disability-insurance) [Maternity Insurance](https://singlife.com/en/maternity-care) [Accident Insurance](https://singlife.com/en/accident-insurance) ##### Lifestyle insurance [Car Insurance](https://singlife.com/en/car-insurance) [Travel Insurance](https://singlife.com/en/travel-insurance) [Home Insurance](https://singlife.com/en/home-insurance) Group Insurance scheme [MINDEF](https://singlife.com/en/mindef-and-mha/mindef-group-insurance) [MHA](https://singlife.com/en/mindef-and-mha/mha-group-insurance) [Public Officers](https://singlife.com/en/pogis) ##### Invest [Savings](https://singlife.com/en/savings) [Investment-Linked Plans](https://singlife.com/en/investment-linked-plan) [Retirement](https://singlife.com/en/flexi-retirement-ii) [Singlife Account](https://singlife.com/en/singlife-account) [dollarDEX](https://singlife.com/en/dollardex) [GROW with Singlife](https://singlife.com/en/grow-with-singlife) Others [Investment-Linked Plan Funds Reports](https://singlife.com/en/investment-linked-plan/fund-performance-reports) [Fund Information](https://singlife.com/en/investment-linked-plan/resources) ##### Your Life Stage [Singlife Milestone Map](https://singlife.com/en/milestone-map) [Singlife Starter Pack](https://singlife.com/en/starter-pack) [Long-Term Care](https://singlife.com/en/longtermcare) [Retirement Planning](https://singlife.com/en/retirement) ##### Premium [Singlife Pinnacle](https://singlife.com/en/pinnacle) [Singlife Legacy Indexed Universal Life](https://singlife.com/en/legacy-indexed-universal-life) [Singlife Legacy Invest](https://singlife.com/en/pinnacle/legacy-invest) [Singlife Legacy Indexed Income](https://singlife.com/en/pinnacle/legacy-indexed-income) [View Corporate Insurance products](https://singlife.com/en/business) ##### Promotions Enjoy these special savings when you purchase our plans. [Medical & Life Insurance](https://singlife.com/en/promotions#tab/promotion:tag/medical-life-insurance) [Lifestyle Insurance](https://singlife.com/en/promotions#tab/promotion:tag/lifestyle-insurance) [MINDEF, MHA & POGIS](https://singlife.com/en/promotions#tab/promotion:tag/mindef-mha-pogis) [Save & Invest](https://singlife.com/en/promotions#tab/promotion:category/singlife-save-invest) [View All Promotions](https://singlife.com/en/promotions) ##### Customer Rewards Rewards and perks for our Singlife customers. [Rewards](https://singlife.com/en/rewards#tab/privileges) [Birthday Offers](https://singlife.com/en/rewards#tab/birthday) [MINDEF / MHA Exclusive](https://singlife.com/en/rewards#tab/mindef) [Pinnacle Privileges](https://singlife.com/en/rewards#tab/pinnacle-privileges) [View All Rewards](https://singlife.com/en/rewards) ##### ##### ##### Individual Claims Life [Accident](https://singlife.com/en/claims/life/accident) [Critical / Terminal Illness](https://singlife.com/en/claims/life/critical-illness) [Death](https://singlife.com/en/claims/life/death) [Disability](https://singlife.com/en/claims/life/disability) [Maternity](https://singlife.com/en/claims/life/maternity) ##### Medical [Medical and Hospitalisation](https://singlife.com/en/claims/medical/medical-and-hospitalisation) [Other Medical Benefits](https://singlife.com/en/claims/medical/other-medical-benefits) Lifestyle [Car](https://singlife.com/en/claims/lifestyle/car) [Home](https://singlife.com/en/claims/lifestyle/home) [Travel](https://singlife.com/en/claims/lifestyle/travel) [Personal Accident](https://singlife.com/en/claims/lifestyle/personal-accident) ##### GROUP CLAIMS [MINDEF & MHA](https://singlife.com/en/claims/group/mindef-and-mha) [Public Officers](https://singlife.com/en/claims/group/pogis) Employee Claims [Corporate Plan](https://singlife.com/en/claims/employee-benefits/corporate-insurance-claims) [EBConnect](https://singlife.com/en/claims/employee-benefits/ebconnect) [Work Injury Compensation (WICA)](https://singlife.com/en/claims/lifestyle/wica) [Public Liability](https://singlife.com/en/claims/employee-benefits/commercial-insurance-claims) [Property All Risks](https://singlife.com/en/claims/employee-benefits/commercial-insurance-claims) ##### OTHERS [Letter of Guarantee](https://singlife.com/en/business/group-insurance/group-hospital-and-surgical-insurance#pre-authorisation) [Medical Specialist](https://singlife.com/en/medical-insurance/medicalspecialists) [View All Claims](https://singlife.com/en/claims) ##### ##### ##### ##### ##### ABOUT SINGLIFE [Our Brand Story](https://singlife.com/en/about-us) [SG60 and Beyond](https://singlife.com/en/sg60-and-beyond) [Financial Freedom Index](https://singlife.com/en/about-us/financial-freedom-index) [Leadership Team](https://singlife.com/en/about-us/leadership-team) [Corporate Governance](https://singlife.com/en/about-us/corporate-governance) [Investor Relations](https://singlife.com/en/about-us/investor-relations) [Newsroom](https://singlife.com/en/about-us/newsroom) [Sustainability Strategy](https://singlife.com/en/about-us/sustainability-strategy) [Innovation & Ecosystem](https://singlife.com/en/about-us/innovation-and-ecosystem) ##### CAREERS [Corporate](https://singlife.darwinbox.com/ms/candidate/careers) [Singlife Financial Advisers](https://singlifefa.com/) [Singlife Management Associate Programme](https://singlife.com/en/careers/management-associate-programme) [All Careers](https://singlife.com/en/careers) ##### ##### ##### LIFESTUFF Personal tips, guides and expert advice to master every aspect of your life [Money](https://singlife.com/en/blog/money) [Health](https://singlife.com/en/blog/health) [Lifestyle](https://singlife.com/en/blog/lifestyle) ##### ##### ##### [View All](https://singlife.com/en/blog) ##### FORMS [Personal Accident Insurance](https://singlife.com/en/form-library#lifestyle-insurance&personal-accident-insurance) [Car Insurance](https://singlife.com/en/form-library#lifestyle-insurance&car-insurance) [Travel Insurance](https://singlife.com/en/form-library#lifestyle-insurance&travel-insurance) [Home Insurance](https://singlife.com/en/form-library#lifestyle-insurance&home-insurance) ##### [Life, Medical, Savings and Retirement](https://singlife.com/en/form-library#life-medical-savings-and-retirement) [MINDEF](https://singlife.com/en/form-library#mindef-mha-pogis&mindef) [MHA](https://singlife.com/en/form-library#mindef-mha-pogis&mha) [Public Officers](https://singlife.com/en/form-library#mindef-mha-pogis&pogis) [View All Forms](https://singlife.com/en/form-library) ##### Resources [Useful Guides](https://singlife.com/en/useful-guides) [COVID-19 Advisory](https://singlife.com/en/novel-coronavirus-notice) [Payouts via PayNow-NRIC/FIN](https://singlife.com/en/payouts-via-paynow) [BetterView](https://singlife.com/en/sgfindex) [Care Collab](https://singlife.com/en/carecollab) [Security Advisory](https://singlife.com/en/singlife-security-advisory) ##### help [FAQ](https://singlife.com/en/faq) [Contact Us](https://singlife.com/en/contact-us) [Policy Servicing](https://singlife.com/en/policy-servicing) [Claims](https://singlife.com/en/claims "Claims") [Contact Us](https://singlife.com/en/contact-us "Contact Us") [Make Payments](https://singlife.com/en/faq/policy-servicing#premium-payments "Make Payments") [FAQ](https://singlife.com/en/faq "FAQ") Up to 58% OFF Singlife Travel Insurance Promo We cover trip cancellation or curtailment for any reason. 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[Up to 58% OFF Singlife Travel Insurance](https://singlife.com/en/travel-insurance) [Get the Singlife App](https://singlife.com/en/singlife-account#singlife-account-app) [![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg) Products](https://singlife.com/en/policy-servicing) INSURE [Life Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/life-insurance) [Medical Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/medical-insurance) [Critical Illness Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/critical-illness-insurance) 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Singlife ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/grow-with-singlife) * [Investment-Linked Plan Funds Reports ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/investment-linked-plan/fund-performance-reports) [Fund Information ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/investment-linked-plan/resources) Your Life Stage [Singlife Milestone Map ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/milestone-map) [Singlife Starter Pack 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![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/lifestyle/car) [Home ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/lifestyle/home) [Travel ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/lifestyle/travel) [Personal Accident ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/lifestyle/personal-accident) GROUP CLAIMS [MINDEF & MHA 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![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/lifestyle/wica) [Public Liability ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/employee-benefits/commercial-insurance-claims) [Property All Risks ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/claims/employee-benefits/commercial-insurance-claims) OTHERS [Letter of Guarantee ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/business/group-insurance/group-hospital-and-surgical-insurance#pre-authorisation) [Medical Specialist ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/medical-insurance/medicalspecialists) [View All Claims](https://singlife.com/en/claims) [![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg) Payments](https://singlife.com/en/policy-servicing) * * [![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg) About us](https://singlife.com/en/policy-servicing) ABOUT SINGLIFE [Our Brand Story ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/about-us) [SG60 and Beyond 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Blog](https://singlife.com/en/policy-servicing) LIFESTUFF [Money ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/blog/money) [Health ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/blog/health) [Lifestyle ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/blog/lifestyle) * [View All](https://singlife.com/en/blog) [![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg) Support](https://singlife.com/en/policy-servicing) FORMS [Personal Accident Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#lifestyle-insurance&personal-accident-insurance) [Car Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#lifestyle-insurance&car-insurance) [Travel Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#lifestyle-insurance&travel-insurance) [Home Insurance ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#lifestyle-insurance&home-insurance) * [Life, Medical, Savings and Retirement ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#life-medical-savings-and-retirement) [MINDEF ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#mindef-mha-pogis&mindef) [MHA ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#mindef-mha-pogis&mha) [Public Officers ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/form-library#mindef-mha-pogis&pogis) [View All Forms](https://singlife.com/en/form-library) Resources [Useful Guides 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![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/singlife-security-advisory) help [FAQ ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/faq) [Contact Us ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/contact-us) [Policy Servicing ![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg)](https://singlife.com/en/policy-servicing) [![sl-icon-chevron.svg](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-icon-chevron.svg) Login](https://singlife.com/en/policy-servicing) Customer Portals [MYSINGLIFE 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By continuing, you accept our [cookie policy](https://singlife.com/en/cookie-policy). # Policy Servicing All the know-hows to making payments or changes to your policies Paying for your policy Policy changes Policy monies Jump to Section ![dropdown](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-dropdown.svg) - [Premium Payments](https://singlife.com/en/policy-servicing#premium-payments) - [Life, Health, Savings, Retirement & Zurich Plans](https://singlife.com/en/policy-servicing#life-health-savings-retirement-and-zurich-plans) - [Group Insurance](https://singlife.com/en/policy-servicing#group-insurance) - [Singlife Account](https://singlife.com/en/policy-servicing#singlife-account) - [SL Series Policies (Policies beginning with SL)](https://singlife.com/en/policy-servicing#singlife-series-policies) - [Automatic Premium Loan (APL) / Non-Forfeiture Loan (NFL)](https://singlife.com/en/policy-servicing#automatic-premium-loan) - [Reviving A Lapsed Policy (Reinstatement)](https://singlife.com/en/policy-servicing#reviving-a-lapsed-policy) Our financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife. All payments must be made through the official channels. Please refer to the list below for available premium payment methods. Life, Health, Savings, Retirement & Zurich Plans Interbank GIRO ## eGIRO For DBS/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders Account holders from the above banks can enjoy simple, hassle-free and quick way to set up a recurring payment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through [MySinglife](https://mysinglife.singlife.com/account/loginhttps://mysinglife.singlife.com/account/login). - Login to your [MySinglife](https://mysinglife.singlife.com/account/login) account - Select “Policy Servicing” - Select “Set up eGIRO for Premium Payment” - Select your desired Policy Number - Click “Next” - Update the bank account details and select the bank that you wish to use for enrolment - Click Set up eGIRO - You will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password - Enter the OTP or login authentication pop-out notification sent from your bank to complete the transaction. It will only take a few minutes for the GIRO application to be approved. Please review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing. ## DBS/POSB Ibanking GIRO For DBS/POSB bank account holders Click [here](https://www.dbs.com.sg/personal/deposits/pay-with-ease/local-bill-payments/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS/POSB channels: \- Internet Banking After logging in, go to Pay (Bills and Card) \> Add GIRO Arrangement \> Select Billing Organisation \- For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy Select Singlife(Life) and enter your Policy Number in the DDA Reference number field \- For Medical Insurance policy Select Singlife(Health) and enter your Policy Number in the DDA Reference number field ## Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. [Download Interbank GIRO form for Life Health and Zurich Policies](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/Application-Form-for-Interbank-GIRO.pdf) Please note that the approval process can take up to 6 weeks depending on your bank. AXS payments You can pay for your premiums via [AXS e-Station](https://www.axs.com.sg/axsEstation.php), [AXS m-Station (mobile app](https://www.axs.com.sg/axsMstation.php)) and [AXS Station (kiosk).](https://www.axs.com.sg/axsStation.php) - Select “Pay Bills” \> Select “Insurance” \> Select “Singapore Life Ltd.” - Select "Individual Life/Health Insurance" - Select "Policy No." - Enter your Policy No., Premium Amount and Contact No. - Follow the steps on the screen to make payment If your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https://axs.com.sg/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits. Please note that the payment update process can take up to two business days. You do not need to submit proof of payment to us PayNow If you have PayNow set up, you can make payment for your renewal policies using PayNow by scanning our QR code generated in [MySinglife](https://mysinglife.singlife.com/account/login) - Login to your [MySinglife](https://mysinglife.singlife.com/account/login) account - Select “Policy Servicing” - Select Make Premium Payment with PayNow. - Select your desired Policy Number(s) - Click “Confirm Selection” - Click Proceed to Pay. - Scan the QR code with your banking account and App to complete payment. Note: The QR code expires after 15minutes. Do ensure that you make your payment before that. Please note that it takes 1 working day for payment to be updated. Bill Payment (For DBS/POSB & UOB account holders) DBS Bill Payment (for DBS/POSB Internet Banking users) For Life Insurance, Savings, Retirement, Zurich & Investment-Linked policy - Select Singlife-Life & General and indicate your Policy Number in the reference field. For Medical Insurance policy - Select Singlife-Group Life & Medical and indicate your Policy Number in the reference field. UOB Bill Payment(for UOB Internet Banking users) For Medical & Life Insurance, Savings, Retirement, Zurich & Investment-Linked policy - Select Singlife (Life,Health & General) and indicate your Policy Number in the reference field. Please note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed. Interbank Funds Transfer (For non-DBS/POSB & non-UOB account holders) For SGD policy, please pay to Singapore Life Ltd.’s DBS bank account no. (003-958595-0) and indicate your Policy Number as the reference. Please note that the payment update process can take up to two business days. You do not need to submit proof of payment to us. You will be notified via SMS once your payment has been processed Credit Card If you are currently paying for your policy’s recurring premiums via credit card, you may login to [MySinglife](https://mysinglife.singlife.com/account/loginhttps://mysinglife.singlife.com/account/login) and change/update your credit card details online. Please note that credit card payment is accepted for selected plans only. 1. Log in to MySinglife 2. Select “Policy Servicing” 3. Select “Update Credit Card Details” 4. Select your desired Policy Number 5. Click “Confirm Selection” 6. Select your Card type and update the cardholder details 7. Click “Next” 8. You will be routed to a page to input your Credit Card Number, Card Holders name, Expiry Date and CVN number. 9. Review your order and click pay. A \$1 pre authorization charge will be made to validate your card. Telegraphic Transfer Policyholders can make payment via telegraphic transfer to the bank account denominated in the contract currency. Please indicate the following details in the transfer application: - Policyholder's full name (as indicated in the application form) - Policyholder's Identification number/Passport number - Policy number Please remit the amount as per contract currency to the corresponding Singapore Life Ltd. bank account shown below: \| Contract Currency \| Bank \| Bank Account no. \| SWIFT Code \| \|---\|---\|---\|---\| \| AUD \| DBS Bank \| 0072-172756-01-0 \| DBSSSGSG \| \| EUR \| DBS Bank \| 0072-172758-01-3 \| DBSSSGSG \| \| GBP \| DBS Bank \| 0072-172759-01-5 \| DBSSSGSG \| \| HKD \| DBS Bank \| 0072-172760-01-2 \| DBSSSGSG \| \| SGD \| DBS Bank \| 003-958595-0 \| DBSSSGSG \| \| USD \| DBS Bank \| 0072-172757-01-1 \| DBSSSGSG \| Note: Customers are responsible for any charges imposed by both the remitting and receiving banks when submitting funds to Singapore Life Ltd. Please select “OUR” or “Bank charges by Applicant” during the application to ensure all processing fees are borne by the customer. The bank will inform the customers on their applicable exchange rates and fees to ensure the correct amount is transferred Processing time:** Premium processing for telegraphic transfer can take up to 7 working days. Clients will be notified via SMS once the payment has been processed. Cheque Singapore is moving towards a cheque-less future as part of its vision to become a digital-first nation. At Singlife, we believe this change benefits our customers, so we will no longer accept cheque payments. FAQ How long is the payment grace period? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) The grace period begins on the premium due date and lasts for at least 30 days\. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse. \Please refer to your Policy Contract provision How do I know that my Policy has lapsed? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You will receive a Lapse notice from us. To know more about reinstating your policy, please refer to the [Reviving A Lapsed Policy (Reinstatement)](https://singlife.com/en/policy-servicing#reviving-a-lapsed-policy) section. When will my premium be deducted from my GIRO account? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) New application For the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer. After policy issuance \| \| \| \| \| \|---\|---\|---\|---\| \| Plan Type \| Premium Due Date \| 1st Deduction \| 2nd Deduction \| \| Individual Life \| 1st - 14th of the month \| 12th of the month \| 27th of the month \| \| 15th - 31st of the month \| 27th of the month \| 12th of next month \| \| \| Long Term Care \| 17th of the month - 16th of next month \| 18th of next month \| NA \| \| Investment Linked Policies \| 1st - 14th of the month \| 27th of previous month \| 12th of the month \| \| 15th - 31st of the month \| 12th of the month \| 27th of the month \| \| \| Singlife Shield/ Singlife Health Plus \| 1st - end of the month \| 7th of the month \| 20th of the month \| If the deduction dates falls on a non-working day, the deduction will take place on next working day. When will my credit card deduction be made? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) New application For the initial premium, we will deduct from your credit card once we have approved the application. If you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer. After policy issuance Premiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day. Group Insurance Interbank GIRO ## DBS/POSB Ibanking GIRO ### \- For DBS/POSB bank account holders Click [here](https://www.dbs.com.sg/personal/deposits/pay-with-ease/local-bill-payments/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS/POSB channels: \- Internet Banking After logging in, go to Pay (Bills and Card) \> Add GIRO Arrangement \> Select Billing Organisation \- For MINDEF/MHA policy Select Singlife(Health) and enter "0686xxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For Public Officers Group Insurance Scheme (POGIS) policy Select Singlife(Health) and enter "PGxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For ExxonMobil policy Select Singlife(Health) and enter "EXxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For Portable Medical policy and other bank account holders Complete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank. ## Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. [Download Interbank GIRO for MINDEF, MHA and POGIS policies](https://singlife.com/content/dam/public/sg/documents/mindef-and-mha/forms/MHA-MINDEF-giro-application-form.pdf) [Download Interbank GIRO for ExxonMobil policy](https://singlife.com/content/dam/business/sg/documents/forms/exxonmobil-giro-application-form.pdf) [Download Interbank GIRO for Portable Medical policy](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/interbank-giro-for-portable-medical-policy.pdf) Please note that the approval process can take up to 6 weeks depending on your bank. AXS payments You can pay for your premiums via [AXS e-Station](https://www.axs.com.sg/axsEstation.php), [AXS m-Station (mobile app](https://www.axs.com.sg/axsMstation.php)) and [AXS Station (kiosk).](https://www.axs.com.sg/axsStation.php) - Select “Pay Bills” \> Select “Insurance” \> Select “Singapore Life Ltd.” - Select "Group Life & Health Insurance" - Enter your Policyholder Identify No., Premium Amount and Contact No. - Follow the steps on the screen to make payment If your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https://axs.com.sg/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits. Please note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed. Bill Payment (For DBS/UOB account holders) DBS Bill Payment (for DBS/POSB Internet Banking users) For Group Insurance Scheme - MINDEF/MHA/Public Officers Group Insurance Scheme (POGIS)/ExxonMobil/Portable Medical policy - Select Singlife-Group Life & Medical and indicate the 8-digit Client Reference Number in the reference field. UOB Bill Payment(for UOB Internet Banking users) For Group Insurance Scheme - MINDEF/MHA/Public Officers Group Insurance Scheme (POGIS)/ExxonMobil/Portable Medical policy - Select Singlife-Group Life & Medical and indicate the 8-digit Client Reference Number in the reference field. Please note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed. Cheque Singapore is moving towards a cheque-less future as part of its vision to become a digital-first nation. At Singlife, we believe this change benefits our customers, so we will no longer accept cheque payments. Interbank Funds Transfer (For non-DBS/POSB & non-UOB account holders) For SGD policy, please pay to Singapore Life Ltd.’s DBS bank account no. (003-958595-0) and indicate your Policy Number as the reference. Please note that the payment update process can take up to two business days. You will be notified via SMS once your payment has been processed. Credit Card/PayNow Kindly be informed that credit card and PayNow payments are only eligible via our online portal for insured members under credit card. To convert your payment method to credit card, kindly contact us at: [sggroup\_admin@singlife.com](mailto:sggroup_admin@singlife.com) Cardup You may make payment for your premiums via CardUp Steps for payment: - Select: Create payment -\> Insurance - Under Recipient, kindly select: Singapore Life Ltd - Indicate your payment amount and payment method - Follow the steps on the screen to make payment - Under the field for Payment reference, kindly indicate your client reference number or NRIC followed by policy number (e.g. 00322180 3037850 or S/TXXXXXXXX 3037850) Singlife Account Singlife Account Top Up 1. Top up using FAST/PayNow QR from MySinglife App 2. For FAST transfer, select FAST/immediate transfer for your transaction. Enter the details as shown on the MySinglife app. 3. For PayNow QR, launch your preferred mobile banking app. Scan or upload the QR code in MySinglife app. Check payment details and confirm payment. Please ensure the bank account holder’s name matches the Singlife Account policyowner’s name. SL Series Policies (Policies beginning with SL) Interbank GIRO 1. Download the GIRO Application form for SL series policy [here](https://singlife.com/content/dam/public/sg/documents/life/application-form-sl-series.pdf) 2. Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. 3. Please note that the approval process can take up to 6 weeks, depending on your bank. Interbank Funds Transfer For SGD policy, please pay to the below Singapore Life Ltd.’s DBS bank account no. and indicate your Policy Number as the reference. Please note that the payment update process can take up to two business days. \| Policy Type \| Currency \| Bank \| Bank Account No. \| \|---\|---\|---\|---\| \| SL series policy \| SGD \| DBS Bank Ltd \| 003-938093-3 \| Telegraphic Transfer Policyholders can make payment via telegraphic transfer to the bank account denominated in the contract currency. Please indicate the following details in the transfer application: - Policyholder's full name (as indicated in the application form) - Policyholder's Identification number/Passport number - Policy number Please remit the amount as per contract currency to the corresponding Singapore Life Ltd. bank account shown below: SL Series Policy \| Currency \| Bank \| Bank Account No \| SWIFT Code \| \|---\|---\|---\|---\| \| SGD \| DBS Bank Ltd \| 003-938093-3 \| DBSSSGSG \| \| USD \| DBS Bank Ltd \| 0003-036318-01-2 \| DBSSSGSG \| \| AUD \| DBS Bank Ltd \| 0003-036315-01-7 \| DBSSSGSG \| Note: Customers are responsible for any charges imposed by both the remitting and receiving banks when submitting funds to Singapore Life Ltd. Please select “OUR” or “Bank charges by Applicant” during the application to ensure all processing fees are borne by the customer. The bank will inform the customers on their applicable exchange rates and fees to ensure the correct amount is transferred Processing time: Premium processing for telegraphic transfer can take up to 7 working days. Clients will be notified via SMS once the payment has been processed. Credit Card If you require to update your credit card details for your SL Series policy we will provide you with direct customer support. Please email us at [cs\_life@singlife.com](mailto:cs_life@singlife.com) or call us at 6827 9933 (8.45am to 5.30pm, Mondays to Fridays, excluding Public Holidays). AXS payments You can pay for your premiums via [AXS e-Station](https://www.axs.com.sg/axsEstation.php), [AXS m-Station (mobile app](https://www.axs.com.sg/axsMstation.php)) and [AXS Station (kiosk).](https://www.axs.com.sg/axsStation.php) - Select “Pay Bills” \> Select “Insurance” \> Select “Singapore Life Ltd.” - Select "Individual Life/Health Insurance" - Select "Policy No." - Enter your Policy No., Premium Amount and Contact No. - Follow the steps on the screen to make payment If your premium amount exceeds your transaction limit, you’ll have to complete payment in multiple transactions. Visit the [AXS website](https://axs.com.sg/help_axsStationFAQ.php#paymentMode) to find out more about the available payment modes and transaction limits. Please note that the payment update process can take up to two business days. You do not need to submit proof of payment to us FAQ When will my premium be deducted from my GIRO account? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) For SL series policy Your premium will be deducted on the premium due date. How many GIRO deduction attempts will there be? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) We will attempt to deduct up to 3 times. Each deduction attempt will be 10 days apart. If we are unable to retry or the 3 attempts have failed, the GIRO payment method will be deactivated for your policy and you will need to arrange for payment to us by another method. You will be informed when your GIRO payment method is deactivated. For SL series policy If the 1st attempt is unsuccessful, the 2nd attempt will be 10 days later. If the 2nd attempt is still unsuccessful, the 3rd attempt will be 10 days after the 2nd attempt. Kindly refer to the illustration below: - 1st deduction: 1 Jan 2025 - 2nd deduction: 11 Jan 2025 - 3rd deduction: 21 Jan 2025 What happens to my policy if my GIRO account is cancelled? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You will be notified when payment deductions are unsuccessful. Should we not receive payment for your policy to keep it in-force, your policy will lapse and any cover will be forfeited. Are there additional charges if I choose to pay via Credit Card? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) There are no additional charges for payment via Credit Card at the moment. However, there may be changes in the future. When will my credit card deduction be made? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) After policy issuance For SL series policy Premiums will be deducted from your credit card on each premium due date. If the due date falls on a weekend or Public Holiday, the deduction will be made on the working day prior, not on the actual premium due date. For example: - Next premium due: 11 Mar 2025 (Monday) - Next premium deduction date: 10 Mar 2025 (Sunday) - Creditcard deduction date: 8 Mar 2025 (Fri) How many credit card deduction attempts will there be? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) We will attempt to deduct up to 3 times. If we are unable to retry or the 3 attempts have failed, the credit card payment method will be deactivated for your policy and you will need to arrange for payment to us by another method. You will be informed when your credit card payment method is deactivated. For SL series policy If the 1st attempt is unsuccessful, the 2nd attempt will be 10 days later. If the 2nd attempt is still unsuccessful, the 3rd attempt will be 10 days after the 2nd attempt. You may refer to the illustration below: - 1st deduction: 1 July 2025 - 2nd deduction: 11 July 2025 - 3rd deduction: 21 July 2025 What happens to my policy if my credit card account is cancelled? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You will be notified when payment deductions are unsuccessful. Should we not receive payment for your policy to keep it in-force, your policy will lapse and any cover will be forfeited. What are the acceptable credit cards for online payment of premiums? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) We accept payment by Visa / Mastercard credit card only. Automatic Premium Loan (APL) / Non-Forfeiture Loan (NFL) If your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits. APL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary. If the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure. FAQ How do I redeem my Automatic Premium Loan (APL)? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You can [contact us](https://singlife.com/en/contact-us) for an APL redemption quotation and make a partial or full payment for your APL. Must I redeem all my outstanding APL? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) No, you may opt to make a partial or full payment. It is advisable to redeem your APL and accumulated interest as soon as possible as they will exhaust your policy's cash value. What will happen if I do not pay my APL and the interest accumulated? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Any outstanding APL and accumulated interest will exhaust your Policy Cash Value. Once your policy's cash value is used up, your policy will lapse and will no longer be in force. Reviving A Lapsed Policy (Reinstatement) It is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL). A notification will be sent to you when your policy has lapsed. To resume the effective coverage of your policy (known as Reinstatement of the Policy): - Declare your health status by completing the health declaration form: - For Life policies: [Policy Health Declaration (for Life Products)](https://singlife.com/content/dam/public/sg/documents/life-insurance/forms/individual-life-policies/policy-servicing-health-declaration-for-life-products.pdf) - For Health policies: [Policy Servicing Health Declaration (for Health Products)](https://singlife.com/content/dam/public/sg/documents/medical-insurance/singlife-shield/health-declaration.pdf) - For Long Term Care policies: [Reinstatement for Singlife ElderShield Standard/Singlife ElderShield Plus/Singlife CareShield Standard/Singlife CareShield Plus](https://singlife.com/content/dam/public/sg/documents/disability-insurance/singlife-careshield-standard-and-singlife-careshield-plus/reinstatement-form.pdf) - Pay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any). Reinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review. We recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a [GIRO application](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/Application-Form-for-Interbank-GIRO.pdf). FAQ Can I reinstate my policy after the deadline stated in the Lapse Letter? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You can request to reinstate the policy within 12 months\* from the policy lapse date (the date on which the last premium due was not paid). Reinstatement is subject to underwriting; all outstanding premiums^ from the lapse date and any premiums due on the reinstatement date are to be paid. \* Please refer to your Policy Contract provision for the reinstatement application period applicable for your policy. ^ You can contact us for a new quotation. Jump to Section ![dropdown](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-dropdown.svg) - [Attaching Riders](https://singlife.com/en/policy-servicing#attaching-riders) - [Assigning a Policy](https://singlife.com/en/policy-servicing#assigning-a-policy) - [Converting to Paid-Up Policy](https://singlife.com/en/policy-servicing#converting-to-paid-up-policy) - [Updating Personal Contact Information](https://singlife.com/en/policy-servicing#updating-personal-contact-information) Attaching Riders Riders represent additional benefits that can be added to your existing policy to enhance your coverage. They offer flexibility for you to customize your coverage to meet your specific needs, and can vary according to your existing plan type, term and also additional premiums. Rider premiums are generally based on: 1 Type of Rider The type, sum assured and terms of the rider being added 2 Occupation and age Your occupation and age at your next birthday, based on your policy anniversary date on which the new coverage commences 3 Underwriting assessment Assessment and approval by our underwriters [Contact us](https://singlife.com/en/contact-us) to learn which type of riders can be added to your policy. Assigning a Policy The transfer of all rights under an insurance policy from one party (the assignor) to another (the assignee) is called assignment. You are required to notify us of these changes, although Singlife is not responsible for determining the validity of an assignment. The most common types of assignment are: Absolute Assignment (Deed of Assignment), where all rights under the policy are transferred from the assignor to the assignee without any conditions Collateral Assignment, where all rights under the policy are transferred to the assignee, usually a bank, as collateral or security for a loan granted to the assignor You can make an Absolute Assignment by [contacting us](https://singlife.com/en/contact-us). All parties must be over 18 years of age, of sound mind, and cannot be an undischarged bankrupt You can make a Collateral Assignment by [contacting us](https://singlife.com/en/contact-us) or contacting the bank or organisation that will become the assignee of the policy for security or collateral. Some banks and other institutions have their own collateral assignment procedures. Converting to Paid-Up Policy Once the policy has acquired cash value, you can choose to stop payment of future premiums by converting the policy to paid-up status. Conversion to reduced paid-up assurance means that you can continue to remain insured for the same policy term but at a reduced sum assured amount. [Contact us](https://singlife.com/en/contact-us) for assistance if you wish to determine your Policy's paid up value. Updating Personal Contact Information To help us serve you better, please notify us of any changes in your contact information, including your address, email address and phone numbers. This ensures that we can always reach you in a timely manner. To ensure we can reach you promptly, please update any changes to your contact information (address, email, or phone number) by logging into [MySinglife](https://mysinglife.singlife.com/account/login). General FAQ What does 'freelook period' mean? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Freelook period is the period provided for you to review a newly issued policy and lasts for 14 days, starting from the date you receive your policy. Anytime during this period if you’re not satisfied with the policy, you may exercise the freelook provision of your policy to cancel the policy and receive a refund. Cancelling your policy under Freelook means that the whole policy is cancelled and there is no insurance coverage. If you have gone for a medical examination for the policy, the medical cost incurred will be self-funded. How do I exercise my freelook option? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) For policies within the freelook period, you can submit a policy cancellation request via the MySinglife portal. - Log in to [MySinglife](https://mysinglife.singlife.com/account/login) - Select “Services” \> “Policy Servicing” \> “Freelook Cancellation” How do I terminate my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) For policies with no cash value, you can submit a termination request via the MySinglife portal. - Log in to [MySinglife](https://mysinglife.singlife.com/account/login) - Select “Services” \> “Policy Servicing” \> “Policy Termination” For policies with cash value, please click [here](https://singlife.com/en/policy-servicing#policy-monies&surrendering-a-policy) for more information. Will my premium be pro-rated if I terminate my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) There is no refund for policy termination. However, you will continue to enjoy coverage for the rest of the period you have paid your premium for. The termination of your policy will be effective from the next premium due date. How do I change my payment frequency? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You can change your payment frequency via the MySinglife portal. - Log in to [MySinglife](https://mysinglife.singlife.com/account/login) - Select “Services” \> “Policy Servicing” \> “Change Payment Frequency” What do I need to take note when changing payment frequency? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Changing payment frequency from higher to lower frequency When changing the payment frequency of your policy to a longer term than previously chosen, payment of the remaining premiums will be required for the changes to take effect. This is because changing to a longer payment term will result in a period of cover where the premium has not been paid for. This is applicable to the following scenario: Monthly --\> Annually, Semi-Annually, Quarterly Quarterly --\> Annually, Semi-Annually Semi-Annually --\> Annually To successfully change to a longer payment term, simply pay the remaining premiums for the policy. Changing payment frequency from lower to higher frequency When changing the payment frequency of your policy to a shorter term than previously chosen, the change will only take effect from the next payment date onwards. This is because the last payment made for your policy was enough to cover the previously chosen period. This is applicable to the following scenario: Annually --\> Semi-Annually, Quarterly, Monthly Semi-Annually --\> Quarterly, Monthly Quarterly --\> Monthly To successfully change to a shorter payment term, simply wait until the next payment is due for your policy. Jump to Section ![dropdown](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-dropdown.svg) - [Policy Loan](https://singlife.com/en/policy-servicing#policy-loan) - [When a Policy Matures](https://singlife.com/en/policy-servicing#when-a-policy-matures) - [Surrendering a Policy](https://singlife.com/en/policy-servicing#surrendering-a-policy) Policy Loan Policy loans are available for select plans which have accumulated cash value. Policy loan is charged at a 5.5% per annum interest rate that is compounded at your policy's anniversary. You may apply for a policy loan up to the maximum percentage stated in your policy contract, less any outstanding policy debt. You may choose to repay your outstanding policy loan (inclusive of interest) by installments. Apply for a Policy Loan now. [Contact us](https://singlife.com/en/contact-us) \* Please refer to your Policy Contract provision for the maximum percentage of your cash value that is eligible for a Policy Loan. FAQ What are the minimum and maximum Policy Loan amounts I can request? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) The minimum policy loan amount is S\$200. The maximum policy loan you can take is based on the maximum percentage amount specified in your policy contract provision, less any outstanding policy debt. How quickly can I receive my policy loan amount? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Upon receipt of all documents duly completed and signed, you will receive the policy loan via one of the following means: - PayNow-NRIC/FIN: the payout will be made through PayNow-NRIC/FIN within 3 working days. Please check that you have registered for PayNow with your bank. - Direct Credit: within 7 working days. Please provide us with a copy of your bank passbook/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out. When a Policy Matures A maturity amount is payable once your policy reaches maturity. We will notify you when your policy maturity date is approaching. After this date, your policy is considered to have matured and is no longer in force. FAQ How will I know when my policy will mature? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You can refer to your Policy Schedule for maturity date. You will also receive our notification 1 month before the maturity date. When will I be notified of the maturity of my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You will be notified 1 month before the maturity date. What is my policy's projected return at maturity? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) [Contact us](https://singlife.com/en/contact-us) for a projected Maturity Quotation. However, this projected value assumes prevailing bonus rates remain unchanged and does not reflect any outstanding loans or other indebtedness. Surrendering a Policy Your policy that has cash value can be surrendered in exchange for its cash surrender value upon cancellation of the policy. You should consider carefully the surrendering of your policy, as it would mean the loss of protection for you and your family. Replacing your coverage, even if done immediately, might require a higher premium due to your older entry age. A new policy will also take time to build up a cash value over the years. You might want to take a [policy loan](https://singlife.com/en/faq/policy-servicing#policy-monies) instead which still allows you to enjoy your insurance coverage. FAQ When can I surrender my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Once your policy acquires a cash value, you can surrender it at any time. How do I know the amount of cash value acquired by my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) [Contact us](https://singlife.com/en/contact-us) for assistance in determining your policy's cash value. What documents will I need to submit? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) You will need to submit: - [Surrender/Withdrawal Form for Traditional Policy](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-life-policies/request-for-surrender-of-traditional-plans.pdf) or - [Surrender/Withdrawal Form for Investment Linked and Global Investment Plan](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-life-policies/Global_Investment_Plans_Surrender_Form.pdf) and - Copy of the Assured/Joint Assured/Assignee(s) NRIC or Passport. - Copy of Trustee(s)/Beneficiary(ies) NRIC, Passport or Birth Certificate (if your policy is under Trust) Can I surrender part of my policy? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) For an investment-linked policy or the investment-linked portion of a policy, you can partially surrender these policies by completing the Surrender / Withdrawal Form for Investment - Link Policy (ILP) Form. For the non-investment linked portion of a policy, you can partially surrender the entire non investment-linked portion of this policy unless otherwise specified in the policy contract. When can I receive the policy proceeds? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) Upon receipt of all documents duly completed and signed, you will receive the policy proceeds via one of the following means: For Investment-Linked policy: - PayNow-NRIC/FIN: the payout will be made through PayNow-NRIC/FIN within 3 working days (after the unit dealing day\). Please check that you have registered for PayNow with your bank. - CPF Ordinary Account (Agent Bank): within 3 working days (after the unit dealing day\) into the Agent Bank for transfer into CPF Ordinary Account. - CPF Special Account: within 3 working days (after the unit dealing day\). - SRS Account: within 3 working days (after the unit dealing day\). - Direct Credit: within 7 working days (after the unit dealing day\). Please provide us with a copy of your bank passbook/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out. \ The unit deal day is the date we set the unit price for a Fund. For non Investment-Linked policy: - PayNow-NRIC/FIN: the payout will be made through PayNow-NRIC/FIN within 3 working days. Please check that you have registered for PayNow with your bank. - CPF Ordinary Account (Agent Bank): within 5 working days into the Agent Bank for transfer into CPF Ordinary Account. - CPF Special Account: within 5 working days. - SRS Account: within 5 working days. - Direct Credit: within 7 working days. Please provide us with a copy of your bank passbook/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out. [![](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-back-top.svg)]("Back To Top") 1. [Singlife](https://singlife.com/en) 2. ![](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-right-white.svg) 3. 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Readable Markdown	Our financial advisors are prohibited from accepting cash payments for your policy on behalf of Singlife. All payments must be made through the official channels. Please refer to the list below for available premium payment methods. Life, Health, Savings, Retirement & Zurich Plans ## eGIRO For DBS/POSB, Citibank, OCBC, UOB, Standard Chartered Bank, Maybank, Bank of China, HSBC, Maribank and ICBC account holders Account holders from the above banks can enjoy simple, hassle-free and quick way to set up a recurring payment for your regular premium renewal policies in Singapore dollars by signing up for eGIRO through [MySinglife](https://mysinglife.singlife.com/account/loginhttps://mysinglife.singlife.com/account/login). - Login to your [MySinglife](https://mysinglife.singlife.com/account/login) account - Select “Policy Servicing” - Select “Set up eGIRO for Premium Payment” - Select your desired Policy Number - Click “Next” - Update the bank account details and select the bank that you wish to use for enrolment - Click Set up eGIRO - You will be routed to the i-banking website of your selected bank. Please proceed to log in with your banking User ID and password - Enter the OTP or login authentication pop-out notification sent from your bank to complete the transaction. It will only take a few minutes for the GIRO application to be approved. Please review your GIRO deduction limits ahead of your policy’s upcoming renewals to ensure seamless payment processing. ## DBS/POSB Ibanking GIRO For DBS/POSB bank account holders Click [here](https://www.dbs.com.sg/personal/deposits/pay-with-ease/local-bill-payments/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS/POSB channels: \- Internet Banking After logging in, go to Pay (Bills and Card) \> Add GIRO Arrangement \> Select Billing Organisation \- For Life Insurance, Savings, Retirement, Zurich and Investment-Linked policy Select Singlife(Life) and enter your Policy Number in the DDA Reference number field \- For Medical Insurance policy Select Singlife(Health) and enter your Policy Number in the DDA Reference number field ## Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. [Download Interbank GIRO form for Life Health and Zurich Policies](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/Application-Form-for-Interbank-GIRO.pdf) Please note that the approval process can take up to 6 weeks depending on your bank. FAQ How long is the payment grace period? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) The grace period begins on the premium due date and lasts for at least 30 days\. If no premium is paid within this period, policies without sufficient cash value accumulated will lapse. \Please refer to your Policy Contract provision When will my premium be deducted from my GIRO account? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) New application For the initial premium, we will deduct the amount from your approved GIRO account after we have approved the application, or if you have accepted our counter-offer. After policy issuance \| \| \| \| \| \|---\|---\|---\|---\| \| Plan Type \| Premium Due Date \| 1st Deduction \| 2nd Deduction \| \| Individual Life \| 1st - 14th of the month \| 12th of the month \| 27th of the month \| \| 15th - 31st of the month \| 27th of the month \| 12th of next month \| \| \| Long Term Care \| 17th of the month - 16th of next month \| 18th of next month \| NA \| \| Investment Linked Policies \| 1st - 14th of the month \| 27th of previous month \| 12th of the month \| \| 15th - 31st of the month \| 12th of the month \| 27th of the month \| \| \| Singlife Shield/ Singlife Health Plus \| 1st - end of the month \| 7th of the month \| 20th of the month \| If the deduction dates falls on a non-working day, the deduction will take place on next working day. When will my credit card deduction be made? ![sl-chevron-down-black](https://singlife.com/etc.clientlibs/asl-public/clientlibs/clientlib-base/resources/assets/icons/sl-chevron-down-black.svg) New application For the initial premium, we will deduct from your credit card once we have approved the application. If you have chosen to pay by credit card but the application has not been fully approved, we will only capture your credit card token. We will only deduct from your credit card when the application is fully approved or if you have accepted our counteroffer. After policy issuance Premiums will be deducted from your credit card 1 working day before your premium due date. If the deduction dates falls on a non-working day, the deduction will take place on next working day. Group Insurance ## DBS/POSB Ibanking GIRO ### \- For DBS/POSB bank account holders Click [here](https://www.dbs.com.sg/personal/deposits/pay-with-ease/local-bill-payments/giro-faq.page?cid=sg-dbs-vanity-deposits-local-bill-payments-setup-dda) to apply for GIRO through your bank accounts via DBS/POSB channels: \- Internet Banking After logging in, go to Pay (Bills and Card) \> Add GIRO Arrangement \> Select Billing Organisation \- For MINDEF/MHA policy Select Singlife(Health) and enter "0686xxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For Public Officers Group Insurance Scheme (POGIS) policy Select Singlife(Health) and enter "PGxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For ExxonMobil policy Select Singlife(Health) and enter "EXxxxxxxxx", where xxxxxxxx denotes your 8-digit Client Reference Number in the DDA Reference number field \- For Portable Medical policy and other bank account holders Complete and return the original Application for Interbank GIRO form to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. Please note that the approval process can take up to 6 weeks depending on your bank. ## Hardcopy GIRO Form Complete and return the original Application for Interbank GIRO form with wet ink signature to Singapore Life Ltd. at 5 Straits View, \#01-18/19, Marina One The Heart, Singapore 018935. [Download Interbank GIRO for MINDEF, MHA and POGIS policies](https://singlife.com/content/dam/public/sg/documents/mindef-and-mha/forms/MHA-MINDEF-giro-application-form.pdf) [Download Interbank GIRO for ExxonMobil policy](https://singlife.com/content/dam/business/sg/documents/forms/exxonmobil-giro-application-form.pdf) [Download Interbank GIRO for Portable Medical policy](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/interbank-giro-for-portable-medical-policy.pdf) Please note that the approval process can take up to 6 weeks depending on your bank. Singlife Account SL Series Policies (Policies beginning with SL) Automatic Premium Loan (APL) / Non-Forfeiture Loan (NFL) If your premium is still outstanding after the grace period, an Automatic Premium Loan (APL) will be applied where your overdue premium will be paid for using your policy’s cash value. This will allow your policy to remain in force, ensuring your coverage and benefits. APL is charged at a 5.5% per annum interest rate that is compounded at your policy’s anniversary. If the premiums remain unpaid, APL will continue to be applied on the overdue premiums. We recommend you redeem your APL and any accumulated interest as soon as possible to ensure your policy remains in force and retains your policy’s cash value. APL is recommended only as a short-term measure. Reviving A Lapsed Policy (Reinstatement) It is important that you make your premium payments on time. If your premium is not fully paid within the grace period, your policy will lapse unless it has a sufficient cash value to enable an Automatic Premium Loan (APL). A notification will be sent to you when your policy has lapsed. To resume the effective coverage of your policy (known as Reinstatement of the Policy): - Declare your health status by completing the health declaration form: - For Life policies: [Policy Health Declaration (for Life Products)](https://singlife.com/content/dam/public/sg/documents/life-insurance/forms/individual-life-policies/policy-servicing-health-declaration-for-life-products.pdf) - For Health policies: [Policy Servicing Health Declaration (for Health Products)](https://singlife.com/content/dam/public/sg/documents/medical-insurance/singlife-shield/health-declaration.pdf) - For Long Term Care policies: [Reinstatement for Singlife ElderShield Standard/Singlife ElderShield Plus/Singlife CareShield Standard/Singlife CareShield Plus](https://singlife.com/content/dam/public/sg/documents/disability-insurance/singlife-careshield-standard-and-singlife-careshield-plus/reinstatement-form.pdf) - Pay the outstanding premiums together with any accumulated interest (if applicable) and indebtedness (if any). Reinstatement is subjected to underwriting approval and further requirements, such as medical reports, may be requested as part of the review. If your health status has deteriorated, you may need to pay a higher premium based on the underwriter’s review. We recommend that you pay your premiums using interbank GIRO as it would automate the premium payment process for you. To get start, submit a [GIRO application](https://singlife.com/content/dam/public/sg/documents/life/life-and-health-savings-retirement-forms/individual-protection-and-healthcare-policies/Application-Form-for-Interbank-GIRO.pdf).
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