🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 46 (from laksa038)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa046.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://www.moneyowl.com.sg/articles/singapores-term-life-plus-critical-illness-comparison-table/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.moneyowl.com.sg/articles/singapores-term-life-plus-critical-illness-comparison-table/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-plus-critical-illness-comparison-table\/","crawl_time":1776004702,"first_indexed_time":1588341387,"http_code":200,"src_unparsed":"sg,com,moneyowl!www,\/articles\/singapores-term-life-plus-critical-illness-comparison-table\/ s443","src_root_hash":"2024584272953185046","history_drop_reason":null,"meta_title":"Compare Term Life Insurance in Singapore: Term Life with Critical Illness | MoneyOwl","meta_descriptions":["We compare different term life insurance and critical illness plans so you can find the best insurance plans for your needs and budget!","Get the best rates for your term life insurance with critical illness plan with our comparison tables."],"attrs_boilerpipe_text":"Updated January\n202\n6\nPersonal Term Life Insurance Comparison: $500,000 Death, Total and Permanent Disability and Critical Illness\nDirect Purchase Insurance (DPI) Comparison\n:\n$300,000 Death,Total and Permanent Disability and Critical Illness\nPremiums are calculated for individuals aged between 30 to 45 years, non-smoker, working in an administrative or non-manual labour occupation with no pre-existing health condition(s), no extra cost on premiums.\nLife is a journey, and life insurance is one of those things you need to put in place \nbefore\n your journey takes an unexpected turn. MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables:\nPersonal Term Life Insurance Comparison:\n$500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65\nFor Males, aged between 30-45\nAnnual Premiums (S$):\nSinglife\nEtiqa\nTokio Marine\nFWD\nManulife\nPrudential\nAIA\nGreat Eastern\nLife\nHSBC Life\nChina Taiping\nAge \/ Credit Rating\nA2 (Moody’s)\nA- (Fitch)\nA+\n(S&P)\nBBB- (Fitch)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nA+\n(S&P)\nA (AM Best)\n30\n$1,137\n$1,422\n$1,249\n$1,154\n$1,529\n$1,504\n$1,585\n$1,293\n$1,113\n$1,379\n35\n$1,532\n$1,650\n$1,672\n$1,547\n$1,620\n$2,016\n$2,180\n$1,646\n$1,475\n$1,747\n40\n$2,118\n$2,218\n$2,242\n$2,055\n$2,200\n$2,795\n$2,792\n$2,245\n$1,908\n$2,249\n45\n$2,884\n$2,820\n$3,042\n$2,801\n$3,038\n$3,765\n$3,880\n$3,154\n$2,556\n$2,867\nFor Females, aged between 30-45\nAnnual Premiums (S$)\n:\nSinglife\nEtiqa\nTokio Marine\nFWD\nManulife\nPrudential\nAIA\nGreat Eastern\nLife\nHSBC Life\nChina Taiping\nAge \/ Credit Rating\nA2 (Moody’s)\nA- (Fitch)\nA+\n(S&P)\nBBB- (Fitch)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nA+ \n(S&P)\nA (AM Best)\n30\n$1,156\n$1,732\n$1,314\n$962\n$1,493\n$1,709\n$1,598\n$1,409\n$1,115\n$1,428\n35\n$1,563\n$2,046\n$1,700\n$1,393\n$1,744\n$2,267\n$2,121\n$1,793\n$1,417\n$1,779\n40\n$1,936\n$2,559\n$2,122\n$1,636\n$2,161\n$3,008\n$2,499\n$2,411\n$\n1,828\n$2,225\n45\n$\n2,734\n$3,115\n$2,672\n$2,338\n$2,765\n$3,695\n$3,171\n$2,989\n$2,416\n$2,703\nPremiums highlighted in\ngreen\nrepresent the most affordable Personal Term Insurance providers for a specific age.\nDirect Purchase Insurance (DPI) Comparison:\n$300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65\nDirect Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result.\nFor the purpose of this article, we will only compare Direct Term insurance based on a sum assured of $300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to $400,000 sum assured.\nFor Males, aged between 30-45\nAnnual Premiums (S$):\nSinglife\nEtiqa\nTokio Marine\nFWD\nManulife\nPrudential\nAIA\nGreat Eastern\nLife\nHSBC Life\nIncome\nChina Life\nChina Taiping\nAge \/ Credit Rating\nA- (Fitch)\nA (Fitch)\nA+\n(S&P)\nBBB+ (Fitch)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nA+\n(S&P)\nAA- (S&P)\nA3 (Moody’s)\nA (A.M Best)\n30\n$719\n$597\n$616\n$693\n$887\n$921\n$1,002\n$672\n$630\n$698\n$798\n$748\n35\n$1,047\n$765\n$819\n$918\n$939\n$1,224\n$1,383\n$874\n$823\n$967\n$1,035\n$936\n40\n$1,390\n$987\n$1,095\n$1,230\n$1,261\n$1,680\n$1,767\n$1,194\n$1,080\n$1,234\n$1,368\n$1,172\n45\n$1,898\n$1,293\n$1,390\n$1,611\n$1,743\n$2,247\n$2,451\n$1,638\n$1,438\n$1,603\n$1,875\n$1,467\nFor Females, aged between 30-45\nAnnual Premiums (S$):\nSinglife\nEtiqa\nTokio Marine\nFWD\nManulife\nPrudential\nAIA\nGreat Eastern\nLife\nHSBC Life\nIncome\nChina Life\nChina Taiping\nAge \/ Credit Rating\nA- (Fitch)\nA (Fitch)\nA+\n(S&P)\nBBB+ (Fitch)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nAA-\n(S&P)\nA+\n(S&P)\nAA- (S&P)\nA3 (Moody’s)\nA (A.M Best)\n30\n$659\n$729\n$692\n$570\n$838\n$1,014\n$1,005\n$694\n$615\n$859\n$762\n$778\n35\n$916\n$921\n$825\n$837\n$970\n$1,338\n$1,332\n$942\n$785\n$1,123\n$1,005\n$960\n40\n$1,121\n$1,185\n$1,028\n$975\n$1,203\n$1,764\n$1,569\n$1,221\n$1,000\n$1,380\n$1,302\n$1,195\n45\n$1,518\n$1,506\n$1,179\n$1,344\n$1,553\n$2,175\n$1,998\n$1,559\n$1,297\n$1,721\n$1,620\n$1,386\nPremiums highlighted in\ngreen\nrepresent the most affordable Direct Purchase Insurance (DPI) providers for a specific age.\nCoverage Scenarios\nWe’ve used these coverage scenarios in our comparison tables\n:\nPolicy Coverage Till 65 Years Old\nAt age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us.\nDeath\/Terminal Illness (TI) coverage\nThis amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death.\nTotal and Permanent Disability (TPD) coverage\nThis amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans.\nCritical Illness (CI) coverage\nThis amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs.\nWhy buy Term Insurance?\n If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today.\nPrefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance \ncomparison tables\n article.\nIf you require assistance from an adviser, we can refer you to our partner here:\nFollow MoneyOwl on \nFacebook\n,\nInstagram \nor \nLinkedIn\n to keep in touch!\nDisclaimer\nThe information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products.\nWe advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage.\nWe recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies.\nInsurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions.\nCertain product prices may not be included due to individual specification limitations.\nAn insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims.","attrs_markdown":"[Skip to content](https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-plus-critical-illness-comparison-table\/#content)\n\n[![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2024\/09\/cropped-cropped-cropped-MOLogo_Horizontal-7-2.png)](https:\/\/www.moneyowl.com.sg\/)\n\n- [Advice](https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-plus-critical-illness-comparison-table\/)\n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlChecklist.svg)](https:\/\/www.moneyowl.com.sg\/owlchecklist\/)\n  \n  ### [OwlChecklist](https:\/\/www.moneyowl.com.sg\/owlchecklist\/)\n  \n  Essential tips to navigate major life stages\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlInvest.svg)](https:\/\/www.moneyowl.com.sg\/owlinvest\/)\n  \n  ### [OwlInvest](https:\/\/www.moneyowl.com.sg\/owlinvest\/)\n  \n  Investment Solutions for your goals\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlInsure.svg)](https:\/\/www.moneyowl.com.sg\/owlinsure\/)\n  \n  ### [OwlInsure](https:\/\/www.moneyowl.com.sg\/owlinsure\/)\n  \n  Insurance Solutions for your life stage\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlRubrics.svg)](https:\/\/www.moneyowl.com.sg\/owlrubrics\/)\n  \n  ### [OwlRubrics](https:\/\/www.moneyowl.com.sg\/owlrubrics\/)\n  \n  Breaking down life’s financial curiosities\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlStar.svg)](https:\/\/www.moneyowl.com.sg\/owlstar\/)\n  \n  ### [OwlStar](https:\/\/www.moneyowl.com.sg\/owlstar\/)\n  \n  First-of-its kind insurance plan rating & commentary\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlPhil.svg)](https:\/\/www.moneyowl.com.sg\/e-books\/)\n  \n  ### [OwlPhilosophies](https:\/\/www.moneyowl.com.sg\/e-books\/)\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlRubrics.svg)](https:\/\/www.moneyowl.com.sg\/owlrubrics\/)\n  \n  ### [OwlRubrics](https:\/\/www.moneyowl.com.sg\/owlrubrics\/)\n  \n  Breaking down life’s financial curiosities\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlStar.svg)](https:\/\/www.moneyowl.com.sg\/owlstar\/)\n  \n  ### [OwlStar](https:\/\/www.moneyowl.com.sg\/owlstar\/)\n  \n  First-of-its kind insurance plan rating & commentary\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/iconOwlPhil.svg)](https:\/\/www.moneyowl.com.sg\/e-books\/)\n  \n  ### [OwlPhilosophies](https:\/\/www.moneyowl.com.sg\/e-books\/)\n  \n  Comprehensive guidance and principles\n- [Tools](https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-plus-critical-illness-comparison-table\/)\n  [Calculators](https:\/\/www.moneyowl.com.sg\/tools-calculators)\n  \n  ## Calculators\n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/Insurance-Calculator.svg)](https:\/\/www.moneyowl.com.sg\/tools-calculators\/insurance-calculator\/)\n  \n  ### [Insurance Calculator](https:\/\/www.moneyowl.com.sg\/tools-calculators\/insurance-calculator\/)\n  \n  Understand your needs. Identify your coverage gaps\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/Investment-Risk-Profiler.svg)](https:\/\/www.moneyowl.com.sg\/tools-calculators\/investment-risk-profiler\/)\n  \n  ### [Investment Risk Profiler](https:\/\/www.moneyowl.com.sg\/tools-calculators\/investment-risk-profiler\/)\n  \n  Discover what kind of investor are you and get portfolio recommendation\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/CalculatorBTO.svg)](https:\/\/www.moneyowl.com.sg\/tools-calculators\/hdb_bto_planner\/)\n  \n  ### [HDB BTO Planner](https:\/\/www.moneyowl.com.sg\/tools-calculators\/hdb_bto_planner\/)\n  \n  Estimate your eligible grants, loan amount, and maximum BTO price you can afford\n  \n  [![](https:\/\/www.moneyowl.com.sg\/wp-content\/uploads\/2025\/10\/CalculatorHousing-1.svg)](https:\/\/www.moneyowl.com.sg\/tools-calculators\/hdb_resale_planner\/)\n  \n  ### [HDB Resale Planner](https:\/\/www.moneyowl.com.sg\/tools-calculators\/hdb_resale_planner\/)\n  \n  Find your HDB Resale Grants and plan your finances with confidence\n  \n  [View More](https:\/\/www.moneyowl.com.sg\/tools-calculators)\n  \n  ## 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MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables:\n\n## Personal Term Life Insurance Comparison:\n## \\$500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65\n### **For Males, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A2 (Moody’s) | A- (Fitch) | A+ (S\\&P) | BBB- (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | A (AM Best) |\n| 30 | *\\$1,137* | \\$1,422 | \\$1,249 | \\$1,154 | \\$1,529 | \\$1,504 | \\$1,585 | \\$1,293 | *\\$1,113* | \\$1,379 |\n| 35 | *\\$1,532* | \\$1,650 | \\$1,672 | \\$1,547 | \\$1,620 | \\$2,016 | \\$2,180 | \\$1,646 | *\\$1,475* | \\$1,747 |\n| 40 | \\$2,118 | \\$2,218 | \\$2,242 | *\\$2,055* | \\$2,200 | \\$2,795 | \\$2,792 | \\$2,245 | *\\$1,908* | \\$2,249 |\n| 45 | \\$2,884 | \\$2,820 | \\$3,042 | *\\$2,801* | \\$3,038 | \\$3,765 | \\$3,880 | \\$3,154 | *\\$2,556* | \\$2,867 |\n### **For Females, aged between 30-45**\n###### **Annual Premiums (S\\$)**:\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A2 (Moody’s) | A- (Fitch) | A+  (S\\&P) | BBB- (Fitch) | AA-  (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | A (AM Best) |\n| 30 | \\$1,156 | \\$1,732 | \\$1,314 | *\\$962* | \\$1,493 | \\$1,709 | \\$1,598 | \\$1,409 | \\$1,115 | \\$1,428 |\n| 35 | \\$1,563 | \\$2,046 | \\$1,700 | *\\$1,393* | \\$1,744 | \\$2,267 | \\$2,121 | \\$1,793 | \\$1,417 | \\$1,779 |\n| 40 | \\$1,936 | \\$2,559 | \\$2,122 | *\\$1,636* | \\$2,161 | \\$3,008 | \\$2,499 | \\$2,411 | *\\$*1,828 | \\$2,225 |\n| 45 | *\\$*2,734 | \\$3,115 | \\$2,672 | *\\$2,338* | \\$2,765 | \\$3,695 | \\$3,171 | \\$2,989 | \\$2,416 | \\$2,703 |\n\n*Premiums highlighted in *green* represent the most affordable Personal Term Insurance providers for a specific age.*\n\n## **Direct Purchase Insurance (DPI) Comparison:**\n## **\\$300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65**\nDirect Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result.\n\nFor the purpose of this article, we will only compare Direct Term insurance based on a sum assured of \\$300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to \\$400,000 sum assured.\n\n### **For Males, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | Income | China Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A- (Fitch) | A (Fitch) | A+ (S\\&P) | BBB+ (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | AA- (S\\&P) | A3 (Moody’s) | A (A.M Best) |\n| 30 | \\$719 | *\\$597* | \\$616 | \\$693 | \\$887 | \\$921 | \\$1,002 | \\$672 | \\$630 | \\$698 | \\$798 | \\$748 |\n| 35 | \\$1,047 | *\\$765* | \\$819 | \\$918 | \\$939 | \\$1,224 | \\$1,383 | \\$874 | \\$823 | \\$967 | \\$1,035 | \\$936 |\n| 40 | \\$1,390 | *\\$987* | \\$1,095 | \\$1,230 | \\$1,261 | \\$1,680 | \\$1,767 | \\$1,194 | \\$1,080 | \\$1,234 | \\$1,368 | \\$1,172 |\n| 45 | \\$1,898 | *\\$1,293* | \\$1,390 | \\$1,611 | \\$1,743 | \\$2,247 | \\$2,451 | \\$1,638 | \\$1,438 | \\$1,603 | \\$1,875 | \\$1,467 |\n### **For Females, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | Income | China Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A- (Fitch) | A (Fitch) | A+ (S\\&P) | BBB+ (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | AA- (S\\&P) | A3 (Moody’s) | A (A.M Best) |\n| 30 | \\$659 | \\$729 | \\$692 | *\\$570* | \\$838 | \\$1,014 | \\$1,005 | \\$694 | \\$615 | \\$859 | \\$762 | \\$778 |\n| 35 | \\$916 | \\$921 | \\$825 | \\$837 | \\$970 | \\$1,338 | \\$1,332 | \\$942 | *\\$785* | \\$1,123 | \\$1,005 | \\$960 |\n| 40 | \\$1,121 | \\$1,185 | \\$1,028 | *\\$975* | \\$1,203 | \\$1,764 | \\$1,569 | \\$1,221 | \\$1,000 | \\$1,380 | \\$1,302 | \\$1,195 |\n| 45 | \\$1,518 | \\$1,506 | *\\$1,179* | \\$1,344 | \\$1,553 | \\$2,175 | \\$1,998 | \\$1,559 | \\$1,297 | \\$1,721 | \\$1,620 | \\$1,386 |\n\n*Premiums highlighted in *green* represent the most affordable Direct Purchase Insurance (DPI) providers for a specific age.*\n\n## **Coverage Scenarios**\nWe’ve used these coverage scenarios in our comparison tables**:**\n\n- **Policy Coverage Till 65 Years Old**\n\nAt age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us.\n\n- **Death\/Terminal Illness (TI) coverage**\n\nThis amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death.\n\n- **Total and Permanent Disability (TPD) coverage**\n\nThis amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans.\n\n- **Critical Illness (CI) coverage**\n\nThis amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs.\n\n**Why buy Term Insurance?** If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today.\n\nPrefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance [comparison tables](https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-insurance-comparison-table\/) article.\n\n### **If you require assistance from an adviser, we can refer you to our partner here:**\n[*Get an insurance referral here*](https:\/\/www.moneyowl.com.sg\/insurance-referral\/)\n\nFollow MoneyOwl on [Facebook](https:\/\/www.facebook.com\/moneyowlsg\/), [Instagram](https:\/\/www.instagram.com\/moneyowlsg\/) or [LinkedIn](https:\/\/www.linkedin.com\/company\/moneyowlsg\/mycompany\/) to keep in touch\\!\n\n### ***Disclaimer***\n- *The information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products.*\n- *We advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage.*\n- *We recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies.*\n- *Insurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions.*\n- *Certain product prices may not be included due to individual specification limitations.*\n- *An insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims.*\n\nTags\n\n[Insurance](https:\/\/www.moneyowl.com.sg\/articles\/tag\/insurance\/)  [insurance singapore](https:\/\/www.moneyowl.com.sg\/articles\/tag\/insurance-singapore\/)  [term insurance](https:\/\/www.moneyowl.com.sg\/articles\/tag\/term-insurance\/)  [term insurance comparison](https:\/\/www.moneyowl.com.sg\/articles\/tag\/term-insurance-comparison\/)  [term insurance singapore](https:\/\/www.moneyowl.com.sg\/articles\/tag\/term-insurance-singapore\/)\n\n# Learn 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MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables:\n\n## Personal Term Life Insurance Comparison:\n## \\$500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65\n### **For Males, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A2 (Moody’s) | A- (Fitch) | A+ (S\\&P) | BBB- (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | A (AM Best) |\n| 30 | *\\$1,137* | \\$1,422 | \\$1,249 | \\$1,154 | \\$1,529 | \\$1,504 | \\$1,585 | \\$1,293 | *\\$1,113* | \\$1,379 |\n| 35 | *\\$1,532* | \\$1,650 | \\$1,672 | \\$1,547 | \\$1,620 | \\$2,016 | \\$2,180 | \\$1,646 | *\\$1,475* | \\$1,747 |\n| 40 | \\$2,118 | \\$2,218 | \\$2,242 | *\\$2,055* | \\$2,200 | \\$2,795 | \\$2,792 | \\$2,245 | *\\$1,908* | \\$2,249 |\n| 45 | \\$2,884 | \\$2,820 | \\$3,042 | *\\$2,801* | \\$3,038 | \\$3,765 | \\$3,880 | \\$3,154 | *\\$2,556* | \\$2,867 |\n### **For Females, aged between 30-45**\n###### **Annual Premiums (S\\$)**:\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A2 (Moody’s) | A- (Fitch) | A+  (S\\&P) | BBB- (Fitch) | AA-  (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | A (AM Best) |\n| 30 | \\$1,156 | \\$1,732 | \\$1,314 | *\\$962* | \\$1,493 | \\$1,709 | \\$1,598 | \\$1,409 | \\$1,115 | \\$1,428 |\n| 35 | \\$1,563 | \\$2,046 | \\$1,700 | *\\$1,393* | \\$1,744 | \\$2,267 | \\$2,121 | \\$1,793 | \\$1,417 | \\$1,779 |\n| 40 | \\$1,936 | \\$2,559 | \\$2,122 | *\\$1,636* | \\$2,161 | \\$3,008 | \\$2,499 | \\$2,411 | *\\$*1,828 | \\$2,225 |\n| 45 | *\\$*2,734 | \\$3,115 | \\$2,672 | *\\$2,338* | \\$2,765 | \\$3,695 | \\$3,171 | \\$2,989 | \\$2,416 | \\$2,703 |\n\n*Premiums highlighted in *green* represent the most affordable Personal Term Insurance providers for a specific age.*\n\n## **Direct Purchase Insurance (DPI) Comparison:**\n## **\\$300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65**\nDirect Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result.\n\nFor the purpose of this article, we will only compare Direct Term insurance based on a sum assured of \\$300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to \\$400,000 sum assured.\n\n### **For Males, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | Income | China Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A- (Fitch) | A (Fitch) | A+ (S\\&P) | BBB+ (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | AA- (S\\&P) | A3 (Moody’s) | A (A.M Best) |\n| 30 | \\$719 | *\\$597* | \\$616 | \\$693 | \\$887 | \\$921 | \\$1,002 | \\$672 | \\$630 | \\$698 | \\$798 | \\$748 |\n| 35 | \\$1,047 | *\\$765* | \\$819 | \\$918 | \\$939 | \\$1,224 | \\$1,383 | \\$874 | \\$823 | \\$967 | \\$1,035 | \\$936 |\n| 40 | \\$1,390 | *\\$987* | \\$1,095 | \\$1,230 | \\$1,261 | \\$1,680 | \\$1,767 | \\$1,194 | \\$1,080 | \\$1,234 | \\$1,368 | \\$1,172 |\n| 45 | \\$1,898 | *\\$1,293* | \\$1,390 | \\$1,611 | \\$1,743 | \\$2,247 | \\$2,451 | \\$1,638 | \\$1,438 | \\$1,603 | \\$1,875 | \\$1,467 |\n### **For Females, aged between 30-45**\n###### **Annual Premiums (S\\$):**\n|   | Singlife | Etiqa | Tokio Marine | FWD | Manulife | Prudential | AIA | Great Eastern  Life | HSBC Life | Income | China Life | China Taiping |\n|---|---|---|---|---|---|---|---|---|---|---|---|---|\n| Age \/ Credit Rating | A- (Fitch) | A (Fitch) | A+ (S\\&P) | BBB+ (Fitch) | AA- (S\\&P) | AA-  (S\\&P) | AA- (S\\&P) | AA- (S\\&P) | A+  (S\\&P) | AA- (S\\&P) | A3 (Moody’s) | A (A.M Best) |\n| 30 | \\$659 | \\$729 | \\$692 | *\\$570* | \\$838 | \\$1,014 | \\$1,005 | \\$694 | \\$615 | \\$859 | \\$762 | \\$778 |\n| 35 | \\$916 | \\$921 | \\$825 | \\$837 | \\$970 | \\$1,338 | \\$1,332 | \\$942 | *\\$785* | \\$1,123 | \\$1,005 | \\$960 |\n| 40 | \\$1,121 | \\$1,185 | \\$1,028 | *\\$975* | \\$1,203 | \\$1,764 | \\$1,569 | \\$1,221 | \\$1,000 | \\$1,380 | \\$1,302 | \\$1,195 |\n| 45 | \\$1,518 | \\$1,506 | *\\$1,179* | \\$1,344 | \\$1,553 | \\$2,175 | \\$1,998 | \\$1,559 | \\$1,297 | \\$1,721 | \\$1,620 | \\$1,386 |\n\n*Premiums highlighted in *green* represent the most affordable Direct Purchase Insurance (DPI) providers for a specific age.*\n\n## **Coverage Scenarios**\nWe’ve used these coverage scenarios in our comparison tables**:**\n\n- **Policy Coverage Till 65 Years Old**\n\nAt age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us.\n\n- **Death\/Terminal Illness (TI) coverage**\n\nThis amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death.\n\n- **Total and Permanent Disability (TPD) coverage**\n\nThis amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans.\n\n- **Critical Illness (CI) coverage**\n\nThis amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs.\n\n**Why buy Term Insurance?** If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today.\n\nPrefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance [comparison tables](https:\/\/www.moneyowl.com.sg\/articles\/singapores-term-life-insurance-comparison-table\/) article.\n\n### **If you require assistance from an adviser, we can refer you to our partner here:**\nFollow MoneyOwl on [Facebook](https:\/\/www.facebook.com\/moneyowlsg\/), [Instagram](https:\/\/www.instagram.com\/moneyowlsg\/) or [LinkedIn](https:\/\/www.linkedin.com\/company\/moneyowlsg\/mycompany\/) to keep in touch\\!\n\n### ***Disclaimer***\n- *The information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products.*\n- *We advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage.*\n- *We recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies.*\n- *Insurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions.*\n- *Certain product prices may not be included due to individual specification limitations.*\n- *An insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims.*","meta_canonical":null}

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Boilerpipe Text	Updated January 202 6 Personal Term Life Insurance Comparison: $500,000 Death, Total and Permanent Disability and Critical Illness Direct Purchase Insurance (DPI) Comparison : $300,000 Death,Total and Permanent Disability and Critical Illness Premiums are calculated for individuals aged between 30 to 45 years, non-smoker, working in an administrative or non-manual labour occupation with no pre-existing health condition(s), no extra cost on premiums. Life is a journey, and life insurance is one of those things you need to put in place before your journey takes an unexpected turn. MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables: Personal Term Life Insurance Comparison: $500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 For Males, aged between 30-45 Annual Premiums (S$): Singlife Etiqa Tokio Marine FWD Manulife Prudential AIA Great Eastern Life HSBC Life China Taiping Age / Credit Rating A2 (Moody’s) A- (Fitch) A+ (S&P) BBB- (Fitch) AA- (S&P) AA- (S&P) AA- (S&P) AA- (S&P) A+ (S&P) A (AM Best) 30 $1,137 $1,422 $1,249 $1,154 $1,529 $1,504 $1,585 $1,293 $1,113 $1,379 35 $1,532 $1,650 $1,672 $1,547 $1,620 $2,016 $2,180 $1,646 $1,475 $1,747 40 $2,118 $2,218 $2,242 $2,055 $2,200 $2,795 $2,792 $2,245 $1,908 $2,249 45 $2,884 $2,820 $3,042 $2,801 $3,038 $3,765 $3,880 $3,154 $2,556 $2,867 For Females, aged between 30-45 Annual Premiums (S$) : Singlife Etiqa Tokio Marine FWD Manulife Prudential AIA Great Eastern Life HSBC Life China Taiping Age / Credit Rating A2 (Moody’s) A- (Fitch) A+ (S&P) BBB- (Fitch) AA- (S&P) AA- (S&P) AA- (S&P) AA- (S&P) A+ (S&P) A (AM Best) 30 $1,156 $1,732 $1,314 $962 $1,493 $1,709 $1,598 $1,409 $1,115 $1,428 35 $1,563 $2,046 $1,700 $1,393 $1,744 $2,267 $2,121 $1,793 $1,417 $1,779 40 $1,936 $2,559 $2,122 $1,636 $2,161 $3,008 $2,499 $2,411 $ 1,828 $2,225 45 $ 2,734 $3,115 $2,672 $2,338 $2,765 $3,695 $3,171 $2,989 $2,416 $2,703 Premiums highlighted in green represent the most affordable Personal Term Insurance providers for a specific age. Direct Purchase Insurance (DPI) Comparison: $300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 Direct Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result. For the purpose of this article, we will only compare Direct Term insurance based on a sum assured of $300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to $400,000 sum assured. For Males, aged between 30-45 Annual Premiums (S$): Singlife Etiqa Tokio Marine FWD Manulife Prudential AIA Great Eastern Life HSBC Life Income China Life China Taiping Age / Credit Rating A- (Fitch) A (Fitch) A+ (S&P) BBB+ (Fitch) AA- (S&P) AA- (S&P) AA- (S&P) AA- (S&P) A+ (S&P) AA- (S&P) A3 (Moody’s) A (A.M Best) 30 $719 $597 $616 $693 $887 $921 $1,002 $672 $630 $698 $798 $748 35 $1,047 $765 $819 $918 $939 $1,224 $1,383 $874 $823 $967 $1,035 $936 40 $1,390 $987 $1,095 $1,230 $1,261 $1,680 $1,767 $1,194 $1,080 $1,234 $1,368 $1,172 45 $1,898 $1,293 $1,390 $1,611 $1,743 $2,247 $2,451 $1,638 $1,438 $1,603 $1,875 $1,467 For Females, aged between 30-45 Annual Premiums (S$): Singlife Etiqa Tokio Marine FWD Manulife Prudential AIA Great Eastern Life HSBC Life Income China Life China Taiping Age / Credit Rating A- (Fitch) A (Fitch) A+ (S&P) BBB+ (Fitch) AA- (S&P) AA- (S&P) AA- (S&P) AA- (S&P) A+ (S&P) AA- (S&P) A3 (Moody’s) A (A.M Best) 30 $659 $729 $692 $570 $838 $1,014 $1,005 $694 $615 $859 $762 $778 35 $916 $921 $825 $837 $970 $1,338 $1,332 $942 $785 $1,123 $1,005 $960 40 $1,121 $1,185 $1,028 $975 $1,203 $1,764 $1,569 $1,221 $1,000 $1,380 $1,302 $1,195 45 $1,518 $1,506 $1,179 $1,344 $1,553 $2,175 $1,998 $1,559 $1,297 $1,721 $1,620 $1,386 Premiums highlighted in green represent the most affordable Direct Purchase Insurance (DPI) providers for a specific age. Coverage Scenarios We’ve used these coverage scenarios in our comparison tables : Policy Coverage Till 65 Years Old At age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us. Death/Terminal Illness (TI) coverage This amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death. Total and Permanent Disability (TPD) coverage This amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans. Critical Illness (CI) coverage This amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs. Why buy Term Insurance? If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today. Prefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance comparison tables article. If you require assistance from an adviser, we can refer you to our partner here: Follow MoneyOwl on Facebook , Instagram or LinkedIn to keep in touch! Disclaimer The information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products. We advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage. We recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies. Insurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions. Certain product prices may not be included due to individual specification limitations. An insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims.
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[Contact Us](https://www.moneyowl.com.sg/contact-us/) [Insurance](https://www.moneyowl.com.sg/articles/category/insurance/), [Term Life Insurance](https://www.moneyowl.com.sg/articles/category/term-life-insurance/) ### Compare Term Life Insurance in Singapore: Term Life with Critical Illness Get the best rates for your term life insurance with critical illness plan with our comparison tables. 10 MIN READ 31 Jan 2026 ![term life insurance and critical illness comparison](https://www.moneyowl.com.sg/wp-content/uploads/2022/11/10Nov2022-Term-Insurance-Blog-Banner_Term-Life-Plus-CI-1024x684.jpg) Share this - Updated January 2026 - Personal Term Life Insurance Comparison: \$500,000 Death, Total and Permanent Disability and Critical Illness - Direct Purchase Insurance (DPI) Comparison: \$300,000 Death,Total and Permanent Disability and Critical Illness - Premiums are calculated for individuals aged between 30 to 45 years, non-smoker, working in an administrative or non-manual labour occupation with no pre-existing health condition(s), no extra cost on premiums. Life is a journey, and life insurance is one of those things you need to put in place before your journey takes an unexpected turn. MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables: ## Personal Term Life Insurance Comparison: ## \$500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 ### For Males, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A2 (Moody’s) \| A- (Fitch) \| A+ (S\&P) \| BBB- (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| A (AM Best) \| \| 30 \| \$1,137 \| \$1,422 \| \$1,249 \| \$1,154 \| \$1,529 \| \$1,504 \| \$1,585 \| \$1,293 \| \$1,113 \| \$1,379 \| \| 35 \| \$1,532 \| \$1,650 \| \$1,672 \| \$1,547 \| \$1,620 \| \$2,016 \| \$2,180 \| \$1,646 \| \$1,475 \| \$1,747 \| \| 40 \| \$2,118 \| \$2,218 \| \$2,242 \| \$2,055 \| \$2,200 \| \$2,795 \| \$2,792 \| \$2,245 \| \$1,908 \| \$2,249 \| \| 45 \| \$2,884 \| \$2,820 \| \$3,042 \| \$2,801 \| \$3,038 \| \$3,765 \| \$3,880 \| \$3,154 \| \$2,556 \| \$2,867 \| ### For Females, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A2 (Moody’s) \| A- (Fitch) \| A+ (S\&P) \| BBB- (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| A (AM Best) \| \| 30 \| \$1,156 \| \$1,732 \| \$1,314 \| \$962 \| \$1,493 \| \$1,709 \| \$1,598 \| \$1,409 \| \$1,115 \| \$1,428 \| \| 35 \| \$1,563 \| \$2,046 \| \$1,700 \| \$1,393 \| \$1,744 \| \$2,267 \| \$2,121 \| \$1,793 \| \$1,417 \| \$1,779 \| \| 40 \| \$1,936 \| \$2,559 \| \$2,122 \| \$1,636 \| \$2,161 \| \$3,008 \| \$2,499 \| \$2,411 \| \$1,828 \| \$2,225 \| \| 45 \| \$2,734 \| \$3,115 \| \$2,672 \| \$2,338 \| \$2,765 \| \$3,695 \| \$3,171 \| \$2,989 \| \$2,416 \| \$2,703 \| Premiums highlighted in green* represent the most affordable Personal Term Insurance providers for a specific age.* ## Direct Purchase Insurance (DPI) Comparison: ## \$300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 Direct Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result. For the purpose of this article, we will only compare Direct Term insurance based on a sum assured of \$300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to \$400,000 sum assured. ### For Males, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| Income \| China Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A- (Fitch) \| A (Fitch) \| A+ (S\&P) \| BBB+ (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| AA- (S\&P) \| A3 (Moody’s) \| A (A.M Best) \| \| 30 \| \$719 \| \$597 \| \$616 \| \$693 \| \$887 \| \$921 \| \$1,002 \| \$672 \| \$630 \| \$698 \| \$798 \| \$748 \| \| 35 \| \$1,047 \| \$765 \| \$819 \| \$918 \| \$939 \| \$1,224 \| \$1,383 \| \$874 \| \$823 \| \$967 \| \$1,035 \| \$936 \| \| 40 \| \$1,390 \| \$987 \| \$1,095 \| \$1,230 \| \$1,261 \| \$1,680 \| \$1,767 \| \$1,194 \| \$1,080 \| \$1,234 \| \$1,368 \| \$1,172 \| \| 45 \| \$1,898 \| \$1,293 \| \$1,390 \| \$1,611 \| \$1,743 \| \$2,247 \| \$2,451 \| \$1,638 \| \$1,438 \| \$1,603 \| \$1,875 \| \$1,467 \| ### For Females, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| Income \| China Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A- (Fitch) \| A (Fitch) \| A+ (S\&P) \| BBB+ (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| AA- (S\&P) \| A3 (Moody’s) \| A (A.M Best) \| \| 30 \| \$659 \| \$729 \| \$692 \| \$570 \| \$838 \| \$1,014 \| \$1,005 \| \$694 \| \$615 \| \$859 \| \$762 \| \$778 \| \| 35 \| \$916 \| \$921 \| \$825 \| \$837 \| \$970 \| \$1,338 \| \$1,332 \| \$942 \| \$785 \| \$1,123 \| \$1,005 \| \$960 \| \| 40 \| \$1,121 \| \$1,185 \| \$1,028 \| \$975 \| \$1,203 \| \$1,764 \| \$1,569 \| \$1,221 \| \$1,000 \| \$1,380 \| \$1,302 \| \$1,195 \| \| 45 \| \$1,518 \| \$1,506 \| \$1,179 \| \$1,344 \| \$1,553 \| \$2,175 \| \$1,998 \| \$1,559 \| \$1,297 \| \$1,721 \| \$1,620 \| \$1,386 \| Premiums highlighted in green* represent the most affordable Direct Purchase Insurance (DPI) providers for a specific age.* ## Coverage Scenarios We’ve used these coverage scenarios in our comparison tables: - Policy Coverage Till 65 Years Old At age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us. - Death/Terminal Illness (TI) coverage This amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death. - Total and Permanent Disability (TPD) coverage This amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans. - Critical Illness (CI) coverage This amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs. Why buy Term Insurance? If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today. Prefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance [comparison tables](https://www.moneyowl.com.sg/articles/singapores-term-life-insurance-comparison-table/) article. ### If you require assistance from an adviser, we can refer you to our partner here: [Get an insurance referral here](https://www.moneyowl.com.sg/insurance-referral/) Follow MoneyOwl on [Facebook](https://www.facebook.com/moneyowlsg/), [Instagram](https://www.instagram.com/moneyowlsg/) or [LinkedIn](https://www.linkedin.com/company/moneyowlsg/mycompany/) to keep in touch\! ### *Disclaimer* - The information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products. - We advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage. - We recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies. - Insurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions. - Certain product prices may not be included due to individual specification limitations. - An insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims. 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Readable Markdown	- Updated January 2026 - Personal Term Life Insurance Comparison: \$500,000 Death, Total and Permanent Disability and Critical Illness - Direct Purchase Insurance (DPI) Comparison: \$300,000 Death,Total and Permanent Disability and Critical Illness - Premiums are calculated for individuals aged between 30 to 45 years, non-smoker, working in an administrative or non-manual labour occupation with no pre-existing health condition(s), no extra cost on premiums. Life is a journey, and life insurance is one of those things you need to put in place before your journey takes an unexpected turn. MoneyOwl takes the hassle out of comparing Singapore insurance providers’ Term Life insurance plans with these handy tables: ## Personal Term Life Insurance Comparison: ## \$500,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 ### For Males, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A2 (Moody’s) \| A- (Fitch) \| A+ (S\&P) \| BBB- (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| A (AM Best) \| \| 30 \| \$1,137 \| \$1,422 \| \$1,249 \| \$1,154 \| \$1,529 \| \$1,504 \| \$1,585 \| \$1,293 \| \$1,113 \| \$1,379 \| \| 35 \| \$1,532 \| \$1,650 \| \$1,672 \| \$1,547 \| \$1,620 \| \$2,016 \| \$2,180 \| \$1,646 \| \$1,475 \| \$1,747 \| \| 40 \| \$2,118 \| \$2,218 \| \$2,242 \| \$2,055 \| \$2,200 \| \$2,795 \| \$2,792 \| \$2,245 \| \$1,908 \| \$2,249 \| \| 45 \| \$2,884 \| \$2,820 \| \$3,042 \| \$2,801 \| \$3,038 \| \$3,765 \| \$3,880 \| \$3,154 \| \$2,556 \| \$2,867 \| ### For Females, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A2 (Moody’s) \| A- (Fitch) \| A+ (S\&P) \| BBB- (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| A (AM Best) \| \| 30 \| \$1,156 \| \$1,732 \| \$1,314 \| \$962 \| \$1,493 \| \$1,709 \| \$1,598 \| \$1,409 \| \$1,115 \| \$1,428 \| \| 35 \| \$1,563 \| \$2,046 \| \$1,700 \| \$1,393 \| \$1,744 \| \$2,267 \| \$2,121 \| \$1,793 \| \$1,417 \| \$1,779 \| \| 40 \| \$1,936 \| \$2,559 \| \$2,122 \| \$1,636 \| \$2,161 \| \$3,008 \| \$2,499 \| \$2,411 \| \$1,828 \| \$2,225 \| \| 45 \| \$2,734 \| \$3,115 \| \$2,672 \| \$2,338 \| \$2,765 \| \$3,695 \| \$3,171 \| \$2,989 \| \$2,416 \| \$2,703 \| Premiums highlighted in green* represent the most affordable Personal Term Insurance providers for a specific age.* ## Direct Purchase Insurance (DPI) Comparison: ## \$300,000 Death, Total and Permanent Disability and Critical Illness covering till age 65 Direct Purchase Insurance (DPI) refers to insurance products, such as term and whole life plans, that you can purchase directly from a life insurance company without the involvement of a financial advisory (FA) representative. Since DPI is sold without financial advice, no commission is charged, and you generally pay a lower premium as a result. For the purpose of this article, we will only compare Direct Term insurance based on a sum assured of \$300,000 covering Death, Total and Permanent Disability and Critical illness till the age of 65. The maximum sum assured you can apply per insurer is up to \$400,000 sum assured. ### For Males, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| Income \| China Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A- (Fitch) \| A (Fitch) \| A+ (S\&P) \| BBB+ (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| AA- (S\&P) \| A3 (Moody’s) \| A (A.M Best) \| \| 30 \| \$719 \| \$597 \| \$616 \| \$693 \| \$887 \| \$921 \| \$1,002 \| \$672 \| \$630 \| \$698 \| \$798 \| \$748 \| \| 35 \| \$1,047 \| \$765 \| \$819 \| \$918 \| \$939 \| \$1,224 \| \$1,383 \| \$874 \| \$823 \| \$967 \| \$1,035 \| \$936 \| \| 40 \| \$1,390 \| \$987 \| \$1,095 \| \$1,230 \| \$1,261 \| \$1,680 \| \$1,767 \| \$1,194 \| \$1,080 \| \$1,234 \| \$1,368 \| \$1,172 \| \| 45 \| \$1,898 \| \$1,293 \| \$1,390 \| \$1,611 \| \$1,743 \| \$2,247 \| \$2,451 \| \$1,638 \| \$1,438 \| \$1,603 \| \$1,875 \| \$1,467 \| ### For Females, aged between 30-45 ###### Annual Premiums (S\$): \| \| Singlife \| Etiqa \| Tokio Marine \| FWD \| Manulife \| Prudential \| AIA \| Great Eastern Life \| HSBC Life \| Income \| China Life \| China Taiping \| \|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\|---\| \| Age / Credit Rating \| A- (Fitch) \| A (Fitch) \| A+ (S\&P) \| BBB+ (Fitch) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| AA- (S\&P) \| A+ (S\&P) \| AA- (S\&P) \| A3 (Moody’s) \| A (A.M Best) \| \| 30 \| \$659 \| \$729 \| \$692 \| \$570 \| \$838 \| \$1,014 \| \$1,005 \| \$694 \| \$615 \| \$859 \| \$762 \| \$778 \| \| 35 \| \$916 \| \$921 \| \$825 \| \$837 \| \$970 \| \$1,338 \| \$1,332 \| \$942 \| \$785 \| \$1,123 \| \$1,005 \| \$960 \| \| 40 \| \$1,121 \| \$1,185 \| \$1,028 \| \$975 \| \$1,203 \| \$1,764 \| \$1,569 \| \$1,221 \| \$1,000 \| \$1,380 \| \$1,302 \| \$1,195 \| \| 45 \| \$1,518 \| \$1,506 \| \$1,179 \| \$1,344 \| \$1,553 \| \$2,175 \| \$1,998 \| \$1,559 \| \$1,297 \| \$1,721 \| \$1,620 \| \$1,386 \| Premiums highlighted in green* represent the most affordable Direct Purchase Insurance (DPI) providers for a specific age.* ## Coverage Scenarios We’ve used these coverage scenarios in our comparison tables: - Policy Coverage Till 65 Years Old At age 65, we estimate that our dependants (e.g. spouse, children and elderly parents) are no longer reliant on our income, and existing assets and savings are sufficient to provide for them should anything unexpected happen to us. - Death/Terminal Illness (TI) coverage This amount could be used to provide for our dependants, pay off existing loans, or as a gift to your beneficiaries in the event of premature death. - Total and Permanent Disability (TPD) coverage This amount could be used to provide for your long-term healthcare needs, dependants, and service existing loans. - Critical Illness (CI) coverage This amount allows you to replace the loss of income in the event of a critical illness diagnosis and provide for alternative treatment needs. Why buy Term Insurance? If you have dependants, life insurance ensures that they are protected financially should anything unfortunate happen to you. Term insurance plans will pay out in cases of death, terminal and critical illness, or total and permanent disability and are much more affordable than whole life insurance, so you can plan for the future while living your best life today. Prefer comparing other types of insurance? Take a look at our Personal Term Life and Direct Purchase Insurance [comparison tables](https://www.moneyowl.com.sg/articles/singapores-term-life-insurance-comparison-table/) article. ### If you require assistance from an adviser, we can refer you to our partner here: Follow MoneyOwl on [Facebook](https://www.facebook.com/moneyowlsg/), [Instagram](https://www.instagram.com/moneyowlsg/) or [LinkedIn](https://www.linkedin.com/company/moneyowlsg/mycompany/) to keep in touch\! ### *Disclaimer* - The information presented here does not take into consideration specific investment objectives, financial situations, or individual needs. Buying insurance is a long-term commitment that should align with your unique requirements and the suitability of the products. - We advise thoroughly examining the details of insurance policies to ensure that they are the best fit, and assess your circumstances to determine the necessary coverage. - We recommend seeking advice from a licensed representative to understand product features, details, and current quotes before making decisions to purchase or surrender existing policies. - Insurance comparison figures are approximations and may not accurately reflect actual premiums. The information, sourced from entities like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions. - Certain product prices may not be included due to individual specification limitations. - An insurance company’s credit rating, an independent agency’s opinion on its financial strength, signifies its ability to fulfill policyholders’ claims.
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