Life Insurance

VivoLife – Product Summary

Lifetime coverage with just 5 years of premiums.

Turn 5 years of premiums into lifetime coverage.

VivoLife allows you to enjoy protection and the opportunity to turn it into a regular income stream to supplement your retirement.

  • Choice of premium payment terms
  • Enhanced insurance coverage at 125% of sum assured1
  • Receive up to 3 times of the sum assured plus bonuses2 for accidental death before age 70 (last birthday)
  • Premium payment waived in the event of retrenchment3
  • Convert your life insurance policy into an annuity plan to receive retirement income payouts for life4
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1 We pay the higher of the sum assured plus bonuses, or 125% of the sum assured:
- upon death or diagnosis of dread disease of the insured before the age of 70 (last birthday), or
- upon total and permanent disability of the insured before the age of 65 (last birthday).

2 Bonus rates are not guaranteed and will vary according to the future performance of the Life Participating Fund.

3 VivoLife policy must be valid and in force for at least 6 months from the date of issue of the policy or the date of issue of an endorsement to include or increase a benefit or date of reinstatement of the policy, whichever is the latest, with 6 months of premiums paid. The retrenchment benefit may only be claimed once.

4 Converting VivoLife to an immediate annuity is subject to terms and conditions, and the type of annuity plans and rates available at the time of conversion.

This is for general information only. You can find the usual terms and conditions of this plan at  All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive can be substantially less than the premiums you have paid for the plan.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact NTUC Income or visit the GIA/LIA or SDIC websites ( or or

Information is correct as of 1 July 2013


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75 Bras Basah Road
NTUC Income Centre
Singapore 189557

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