When you suffer, your child suffers too.

A critical illness can turn life upside down, not just for the person diagnosed but for the entire family. Children, in particular, may struggle with emotional distress as they navigate the new changes surrounding the illness.

To support families during this difficult time, Income Insurance introduces the Child Secure Project, offering 10 counselling sessions for children aged 7 to 18 of Complete Life Secure policyholders battling critical illnesses such as cancer, heart attack and stroke.

Policy and campaign Ts&Cs apply. 

Our Partners

As part of the Child Secure Project, Income Insurance partners with dedicated professional counselling service providers to support children through emotional challenges. Below is the list of trusted Service Providers offering counselling sessions under the campaign.

 

 

Established in 1981, Care Corner is a non-profit organisation providing social and healthcare services to build hope and promote well-being for those in need. With more than 45 service points across Singapore, we help children with special learning needs or from disadvantaged backgrounds, youths at risk, troubled families, vulnerable seniors, and individuals with counselling and mental health needs.

For more details, visit carecorner.org.sg

 

EMCC (Eagles Mediation and Counselling Centre) is a pioneer in counselling and mediation in Singapore, established in 1997.
We help individuals, couples, and families build resilience, strengthen relationships, and enhance well-being through counselling and mediation support.
EMCC strives to support you in your mental wellness journey.
Bringing Hope and Restoration.

For more details, visit emcc.org.sg

 

Kaleidoscope Therapy Centre Pte. Ltd., established in 1999, is a leading private therapy and psychological counselling centre in Singapore that has served over 13,000 families. For the past 26 years, Kaleidoscope has built a strong reputation for its child psychology and counselling services, supporting both children and parents. Our highly experienced team of senior counsellors brings an average of more than 15 years of clinical expertise, providing compassionate, evidence-based care tailored to each family's unique needs. In addition to counselling, we offer a comprehensive range of child-led, family-focused, and strengths-based services, including Speech therapy, Occupational therapy, Physiotherapy, and early intervention programs for children with developmental differences.

For more details, visit kaleidoscope.com.sg

 

Psych Connect is a specialist psychology clinic with child development and wellness services. We provide holistic and comprehensive therapeutic intervention and assessment for children (as young as 2 years old), adolescents, adults and families. Our range of services includes Psychological Assessments for diagnoses, Psychological Intervention, Counselling, Art Psychotherapy, ADHD, Executive Functioning and Life Coaching, Occupational Therapy, Education Therapy, Speech and Language Therapy and, Mental Wellness Checkups. Let’s take steps together toward change and your goals. We are committed to walking in your shoes.

For more details, visit psychconnect.sg

 

REACH Community Services was founded in 1998 by Grace Assembly of God Church with the mission to help the Least, the Lost, and the Lonely in the community. As a non-profit social service agency, REACH strives to inspire hope and empower change in the people we serve, regardless of age, race, language, or religion. Our outreach spans across ten (10) community touchpoints, delivering diverse programmes and services through four (4) core services: Family, Counselling & Mental Health, Youth and Senior. Counselling sessions are available during office hours and Monday evenings (last appointment at 7:30pm), excluding public holidays. Online consultations are also available. 

For more details, visit reach.org.sg.

 

The Singapore Counselling Centre (SCC) offers compassionate support and professional counselling to individuals, families, and caregivers, helping them navigate emotional and psychological challenges with care and understanding. Counselling sessions are available in-person or virtually, seven days a week.

For more details, visit scc.sg/

Apply Now for the Child Secure Project

To get started, select a preferred Service Provider from our list of partners and complete the form. We will review your application and get in touch with you.


We at Income Insurance value our customers and would love to share exclusive offers (such as rewards, privileges, events and discounts) and information about products and services (“Marketing and Promotional messages”) offered by Income Insurance, our business partners and NTUC Enterprise group of social enterprises (“NE Group”) that may be useful to you and your family.

By completing and submitting this form, you consent and agree to the collection, use and disclosure of your personal data by Income Insurance, our representatives, agents (collectively “Income Persons”), appointed service providers, affiliates, business partners, insurance intermediaries, and the NE Group for the purposes of (i) sending you Marketing and Promotional messages; (ii) contacting you to conduct survey, and (iii) Income Persons offering you financial planning services via Email, Phone call and Phone messages*

*Phone messages include text, picture, video and audio message that are sent to your telephone number via SMS, MMS or messaging apps such as WhatsApp, Telegram or WeChat.

Your consent to receive Marketing and Promotional messages above is in addition to, and does not vary or supersede, any previous marketing consent which you may have provided to Income Insurance.

All consent in receiving Marketing and Promotional messages will remain valid until it is withdrawn and notified to Income Insurance. You may withdraw your consent at any time by submitting your request at mk@income.com.sg. Income Insurance will process your request within 10 days, and you will stop receiving Marketing and Promotional messages after 21 days only for the mode(s) of communications indicated in your request.

You may refer to Income Insurance’s Privacy Policy for more information, including access and correction to personal data and consent withdrawal. You agree and understand that Income Insurance’s Privacy Policy available on its website may be amended, supplemented and/or substituted by Income Insurance from time to time.

 

Campaign Terms and Conditions 

1. As part of the Income Child Secure Project (“Campaign”), Income Insurance Limited (“Income Insurance”) is offering ten (10) 60-minute counselling sessions (“Benefit”) for each child (“Child”) of an eligible Complete Life Secure policyholder (“Policyholder”), subject to these Terms and Conditions.

2. For a Policyholder to be eligible for the Benefit:

2.1 The Policyholder must purchase a Complete Life Secure Plan (collectively the “Qualifying Policies”, and each a “Qualifying Policy”) with an attached Early Critical Secure rider or/and Advanced Critical Secure rider (collectively the “Qualifying Riders”, and each a “Qualifying Rider”);

2.2. The Policyholder must have made a critical illness or dread disease claim on one of the Qualifying Riders, which claim has been approved and the relevant critical illness or dread disease benefit payout has been made by Income Insurance;

2.3 Each Child must be between the ages of 7 and 18 (both inclusive) as at the application submission date for this Campaign;

2.4 The Policyholder and each Child must be either a Singaporean or a Permanent Resident of Singapore, and reside in Singapore;

2.5 The Policyholder must complete and submit the relevant application form online at income.com.sg/income-child-secure-project to apply to participate in the Campaign and provide document(s) establishing proof of his or her relationship with each Child, in the form of a birth certificate or legal adoption document, and/or any other documents as may be requested by Income Insurance; and

2.6 Applications for the Campaign must be submitted to Income Insurance from 10 June 2025 and not later than 9 June 2030 (both dates inclusive) (the “Campaign Period”).

3. Policyholders who are eligible for the Benefit, will receive an email confirmation at their email address registered with Income Insurance at the point of application.

4. The Benefit must be fully utilised within 12 months from the date of the email confirmation from Income Insurance, failing which, the Policyholder shall be deemed to have forfeited his/her right to the Benefit (or the unutilised part thereof) and no compensation will be given or paid in lieu.

5. A Policyholder who has applied to participate in the Campaign represents and warrants that all information provided to Income Insurance in connection with the Campaign is true, accurate and complete in all respects.

6. The Benefit can only be claimed from Income Insurance’s approved list of service providers (“Service Provider”) listed on income.com.sg/income-child-secure-project.

7. A Policyholder may not switch Service Providers after the first counselling session has been completed with his or her selected Service Provider.

8. Income Insurance will only cover the cost of the Benefit for counselling sessions conducted in person or on-line (if such service is made available by the selected Service Provider). The Benefit does not include the cost of any additional services or counselling sessions, which shall be borne by the Policyholder separately.

9. Notice of cancellation of a counselling session must be provided by the Policyholder to the Service Provider at least 48 hours in advance of a scheduled counselling session, failing which, such session will be deemed as used and will be deducted from the balance Benefit.

10. The Policyholder is responsible for arranging all counselling session appointments with his or her selected Service Provider directly.

11. The Benefit is not negotiable, transferable, exchangeable, or redeemable for cash, credit or any benefits-in-kind, either in part or in full. No compensation is payable if the Policyholder is unable to utilise the Benefit. There shall be no refund or exchange for any partially used or unused Benefit.

12. The Campaign does not affect or change any term, condition, and exclusion of the policy contract of the Qualifying Policy, including any applicable rider(s) that are issued. The precise terms, conditions and exclusions of the policy and rider(s) are specified in the respective policy contracts.

13. Income Insurance reserves the right to replace the Benefit (or any part thereof) with any benefit of similar nature at any time at its sole discretion without prior notification to the Policyholder, including in the event any arrangement between Income Insurance and the Policyholder’s selected Service Provider expires or terminates prior to the Benefit being fully utilised by a Policyholder (“Replacement Benefit(s)”).

14. The redemption or usage of the Benefit or Replacement Benefit(s) shall be subject to the terms and conditions imposed by the relevant Service Provider of the Benefit and Replacement Benefit(s).

15. Income Insurance does not make any representations or warranties of any kind, whether express implied or statutory, as to the reliability, adequacy, quality or availability of the services provided by any Service Provider.

16. Under no circumstances shall Income Insurance be liable to any Policyholder, Child or any other persons, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses and damages, claims, costs, and expenses (including any special or consequential damages or losses) howsoever caused, in connection with, related to, or resulting from the Benefit and Replacement Benefit(s) and/or this Campaign.

17. No joint venture, sponsorship, tie up, agency, or any other relationship is intended or created between Income Insurance and the Service Provider and issuer of any Replacement Benefit(s). This Benefit is not intended or deemed to be in connection with or use of the brand name of the Service Provider of the Benefit and Replacement Benefit(s).

18. Income Insurance reserves the right to vary/amend the Terms and Conditions of the Campaign and the approved list of service providers listed on income.com.sg/income-child-secure-project at any time without prior notice to any Policyholder, Child or person.

19. Income Insurance’s decision on all matters relating to this Campaign (including the issuance of the Benefit or Replacement Benefits) shall be final, conclusive and binding. No appeals will be entertained.

20. These Terms and Conditions shall be construed and governed by the laws of the Republic of Singapore.

 

Important Notes

For enquiries on the Campaign, customers may reach out to Income Insurance via csquery@income.com.sg. 

All of Income Insurance’s products are developed to benefit our customers but not all our products may be suitable for your specific needs. If you are unsure if a product is suitable for you, we strongly encourage you to speak to a qualified Income Insurance advisor. Otherwise, you may end up purchasing a product that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or obtain the insurance protection you seek. Purchasing a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the plan.

The precise terms, conditions and exclusions of the Qualifying Policy and Qualifying Rider can be found at income.com.sg/life-insurance/complete-life-secure.

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 Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

The Terms and Conditions of the Campaign were published / last revised on 10 June 2025.