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Get 35% perpetual premium discount^ and 55,000 STAR$®^ when you purchase TermLife Solitaire today! 🛡️
Find Out MoreHere’s how TermLife Solitaire protects your financial legacy.
Get $500,000 coverage[1] or more against terminal illness and death.
You may be covered up to age 100 (last birthday).
When your application has a minimum sum assured of $3 million.
Need more protection?
Enhance your coverage with a rider.
You will receive the sum assured[4] under this rider upon diagnosis with total and permanent disability (TPD before the anniversary of the policy immediately after age 70) during the term of the rider.
You will receive the sum assured for this rider upon diagnosis of early, intermediate or advanced stage specified dread diseases[5,6] (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. The rider also provides Advanced Restoration Benefit[7], which offers extra coverage for stroke with permanent neurological deficit, major cancer, and heart attack of specified severity after an early or intermediate stage dread disease claim is made.
You will receive the sum assured for this rider in the event of death, total and permanent disability (TPD before age 70), terminal illness or diagnosis of dread disease[5] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Enhance your coverage with Hospital CashAid rider[8] that provides payouts in the event of hospitalisation, to help reduce your out-of-pocket expenses. With the Major Impact Benefit[9], you will also be covered against future unknown diseases[9] or serious infections if you undergo a surgery or suffer from an infection and you need to stay in an Intensive Care Unit (ICU) for 5 days or more at a go. Choose your rider term with coverage up to a maximum of age 84 (last birthday). Benefits for Hospital CashAid rider
(only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, or are totally and permanently disabled (TPD before age 70) during the term of the rider.
(only applicable if the insured is not the policyholder) You will not need to make future premium payments for the basic policy that you have bought for a loved one, if you pass away, are totally and permanently disabled (TPD before age 70), are diagnosed with terminal illness or dread disease[5] during the term of the rider.
You will not need to make future premium payments for your basic policy if you are diagnosed with dread disease[5] (except for angioplasty and other invasive treatment for coronary artery) during the term of the rider.
Let us walk you through TermLife Solitaire.
Mr and Mrs Tan, both age 40, non-smokers, sign up for TermLife Solitaire, insuring each other's lives with a sum assured of $1,000,000 each and a policy term till age 100.
They add a Payor Premium Waiver rider1 with a maximum term till age 84 and a Disability Accelerator rider2 with a sum assured of $1,000,000. They also choose to pay premiums on a yearly basis. By purchasing TermLife Solitaire during this limited-time promotion, they enjoyed a 35% perpetual premium discount^ on their main plan.
Should Mr Tan be diagnosed with total and permanent disability at the age of 60, Mrs Tan will receive the payout of $1,000,000 from Policy 2, which can be used to pay off any outstanding loans and help the family maintain their current lifestyle. Policy 2 terminates.
Policy 1 insuring Mrs Tan will remain inforce with future premiums waived until Payor Premium Waiver rider1 term expires.
End of policy term for Policy 1.
Important notes
The figures used are for illustrative purposes only and are rounded to the nearest dollar.
#Figures shown in the illustration reflect the perpetual premium discount^ applied to the main plan.
^Upon successful purchase of a TermLife Solitaire Plan (a “Qualifying Policy”), a customer shall be eligible to enjoy a 35% discount (“Promotion”) on the insurance premiums throughout the period the policy is in force, excluding any applicable rider(s). A Qualifying Customer who is eligible to enjoy the Promotion is entitled to receive the discount once per Qualifying Policy under this Promotion. For avoidance of doubt, a Qualifying Customer with any Qualifying Policy, excluding any rider(s) that is purchased and issued during the Promotion Period, who subsequently increases their sum assured during the Promotion Period, will be eligible to enjoy this Promotion for such increase(s) in sum assured that had been accepted by Income Insurance, subject to the Promotion’s terms and conditions. Promotion terms and conditions apply. Please refer to www.income.com.sg/termlife-solitaire/perpetual-discount-tnc.pdf for further details, including the end date of the Promotion. Capitalised terms are as defined in the Promotion terms and conditions.
1 For Payor Premium Waiver, the premium waiver benefits are applicable only if the insured is not the policyholder.
2 Disability Accelerator rider pays the sum assured under this rider if the insured becomes totally and permanently disabled (before the anniversary immediately after the insured reaches the age of 70) during the term of the rider. This rider will end after Income Insurance makes this payment. Any payment under this rider will form an accelerated payment and reduce the sum assured of its basic policy and other accelerated riders by the same amount that Income Insurance pays under this rider.
Mr Ong, a non-smoker, is a director of ABC Company, and crucial to the success of the business.
To ensure business continuity in case of the unexpected loss of Mr Ong, ABC Company signs up for TermLife Solitaire to insure him.
Sum assured: $2,000,000.
The company also adds a Disability Accelerator rider1 with a sum assured of $2,000,000 and chooses a policy and rider term of 15 years. The company decides to pay premiums on a yearly basis. By purchasing TermLife Solitaire during this limited-time promotion, the company enjoyed a 35% perpetual premium discount^ on the main plan.
Yearly premium = $3,863# (including premium for Disability Accelerator rider1)
The coverage of $2,000,000 can be used to cushion the business impact of losing Mr Ong if any of the following occurs:
- Death
- Terminal illness
- Total and permanent disability
End of policy and rider term.
Important notes
The figures used are for illustrative purposes only and are rounded to the nearest dollar.
#Figure shown in the illustration reflects the perpetual premium discount^ applied to the main plan.
^Upon successful purchase of a TermLife Solitaire Plan (a “Qualifying Policy”), a customer shall be eligible to enjoy a 35% discount (“Promotion”) on the insurance premiums throughout the period the policy is in force, excluding any applicable rider(s). A Qualifying Customer who is eligible to enjoy the Promotion is entitled to receive the discount once per Qualifying Policy under this Promotion. For avoidance of doubt, a Qualifying Customer with any Qualifying Policy, excluding any rider(s) that is purchased and issued during the Promotion Period, who subsequently increases their sum assured during the Promotion Period, will be eligible to enjoy this Promotion for such increase(s) in sum assured that had been accepted by Income Insurance, subject to the Promotion’s terms and conditions. Promotion terms and conditions apply. Please refer to www.income.com.sg/termlife-solitaire/perpetual-discount-tnc.pdf for further details, including the end date of the Promotion. Capitalised terms are as defined in the Promotion terms and conditions.
1 Disability Accelerator rider pays the sum assured under this rider if the insured becomes totally and permanently disabled (before the anniversary immediately after the insured reaches the age of 70) during the term of the rider. This rider will end after Income Insurance makes this payment. Any payment under this rider will form an accelerated payment and reduce the sum assured of its basic policy and other accelerated riders by the same amount that Income Insurance pays under this rider.
Your policy toolkit
Eligibility and payment frequency
| Coverage period* | Minimum entry age (last birthday) | Maximum entry age (last birthday) |
| 10, 15, 20, 25, up to age 84 and up to age 100 | 18 | 74 |
| 30 | 18 | 70 |
| 35 | 18 | 65 |
| 40 | 18 | 60 |
| Up to age 64 | 18 | 54 |
| Up to age 74 | 18 | 64 |
*Subject to the maximum coverage age of 100 (age last birthday).
You have to pay premiums throughout the policy term. You can make your premium payments monthly, quarterly, half-yearly, or yearly.
Policy conditions
Your queries answered.
TermLife Solitaire is a non-participating, regular premium term plan that provides high insurance coverage for a limited period of time. It provides protection against death and terminal illness (TI) during the term of the policy. This policy cannot be cashed in.
If the insured dies during the term of the policy, we will pay the sum assured. The policy will end when we make this payment.
This policy is not valid if the insured commits suicide within one year from the cover start date.
We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.
Upon diagnosis of the insured with a terminal illness during the policy term, the sum assured will be paid. The policy will end when we make this payment. We will not pay any further benefits.
Terminal illness, and terminally ill, means “any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the insured is expected to live for no more than 12 months.”
The specialist medical practitioner treating the condition must provide supporting evidence of the condition, possible medical treatment, the prognosis after undergoing the possible medical treatment, and certify that the insured is expected to live for no more than 12 months despite all possible medical intervention. We reserve the right to appoint an independent medical specialist who is an expert in the condition to confirm the diagnosis and prognosis.
Terminal Illness in the presence of HIV infection is excluded.
We will not pay this benefit if your claim arises from:
- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; or
- unlawful acts, provoked assault, or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.
No, there is no cash value or maturity value for this policy.
No, this policy is not eligible for any bonus.
No, there is no surrender value.
Riders, also known as supplementary benefits, can be attached to a basic insurance policy to provide additional protection at lower cost.
The following rider(s) / supplementary benefits can be added to TermLife Solitaire:
| List of available rider(s) |
| Hospital CashAid |
| Disability Accelerator |
| Total Protect |
| Payor Premium Waiver |
| Enhanced Payor Premium Waiver |
| Dread Disease Premium Waiver |
| Essential Protect |
The riders will be automatically renewed at the end of its contract term, subject to the conditions as stated in the policy document. The renewal premiums are calculated based on the attained age of the Insured at time of renewal.
The rider will cease immediately when the basic policy is terminated.
| Minimum Entry Age (last birthday) | Maximum Entry Age (last birthday) |
| 16* | N.A |
*Parents cannot be the policyholder on their child who are 18 years old (age last birthday) and above at the point of application.
| Policy Term1 | Minimum Entry Age (last birthday) | Maximum Entry Age (last birthday) |
| 10, 15, 20, 25 | 18 | 74 |
| 30 | 18 | 70 |
| 35 | 18 | 65 |
| 40 | 18 | 60 |
| Up to age 64 | 18 | 54 |
| Up to age 74 | 18 | 64 |
| Up to age 84 | 18 | 74 |
| Up to age 100 | 18 | 74 |
1 Subject to the maximum coverage age of 100 ALB
The minimum and maximum sum assured are $500,000 and $20,000,000 per life respectively. The insured may choose any amount in multiples of $10,000. The insured cannot be covered for more than $20,000,000 sum assured by buying multiple policies.
The premiums can be paid monthly, quarterly, half-yearly or yearly.
You can choose to be insured between a period of 10 to 40 years, in multiples of 5 years, or up to ages 64, 74, 84 and 100 (last birthday). A minimum policy term of 10 years is required.
Premium rates are guaranteed and level throughout the premium payment term.
Backdating is allowed if all of the following conditions are met:
- The backdating is for a traditional individual (savings or protection) life policy paying regular premium or single premium. Backdating for investment-linked policy and annuity policy is not allowed;
- The backdating results in a lower premium or higher minimum protection value due to a lower age; and
- The policy is backdated to a date up to one day before the Insured’s last birthday and it must be within 6 months from date of receipt of application by Income; and
- Backdating of policy to a date before the launch date of the main plan or rider is not allowed.
For any backdating of policy, the waiting period will still be based on the cover start date.
Understand the details
^Upon successful purchase of a TermLife Solitaire Plan (a “Qualifying Policy”), a customer shall be eligible to enjoy a 35% discount (“Promotion”) on the insurance premiums throughout the period the policy is in force, excluding any applicable rider(s). A Qualifying Customer who is eligible to enjoy the Promotion is entitled to receive the discount once per Qualifying Policy under this Promotion. For avoidance of doubt, a Qualifying Customer with any Qualifying Policy, excluding any rider(s) that is purchased and issued during the Promotion Period, who subsequently increases their sum assured during the Promotion Period, will be eligible to enjoy this Promotion for such increase(s) in sum assured that had been accepted by Income Insurance, subject to the Promotion’s terms and conditions. Promotion terms and conditions apply. Please refer to income.com.sg/termlife-solitaire/perpetual-discount-tnc.pdf for further details, including the end date of the Promotion. Capitalised terms are as defined in the Promotion terms and conditions.
[1] If the insured becomes terminally ill or dies during the term of the policy, Income Insurance will pay the sum assured. The policy will end when Income Insurance makes this payment.
[2] The service is valid for one time usage per policy and is only for arrangement of a full medical check-up. No-show penalty is applicable when the insured fails to cancel the check-up and transport booking within the given notice period. The insured will need to check with the respective clinic for more details.
[3] If your policy has not ended as a result of a claim during its term, when it ends, we will renew it for the same policy term at its prevailing sum assured. However, in any one of the situations shown below, we will renew it for a shorter term that is a multiple of five years, as long as the minimum term is 10 years. This means the renewal term will neither go beyond the original policy term, nor the anniversary immediately after the insured’s 100th birthday.
- If the original policy term is not a multiple of five years.
- If the original policy term is a multiple of five years, but the anniversary immediately after the insured’s 100th birthday falls within the next policy term.
We will continue to renew the policy in this way until the insured is 75 years or older at the time the policy is due for renewal. We will stop renewing the policy then.
[4] Disability Accelerator rider pays the sum assured under this rider if the insured becomes totally and permanently disabled (before the anniversary immediately after the insured reaches the age of 70) during the term of the rider. This rider will end after Income Insurance makes this payment. Any payment under this rider will form an accelerated payment and reduce the sum assured of its basic policy and other accelerated riders by the same amount that Income Insurance pays under this rider.
[5] Total Protect, Essential Protect, Enhanced Payor Premium Waiver and Dread Disease Premium Waiver
You can find the list of specified dread diseases and their definitions in their respective policy contracts. Income Insurance will not pay this benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease.
If the insured undergoes angioplasty and other invasive treatment for coronary artery during the term of the rider, Income Insurance will pay 10% of the sum assured, up to S$25,000. Income Insurance will only pay for this condition once under this benefit. After this payment, Income Insurance will reduce the sum assured of this rider accordingly. Income Insurance will work out any future premiums or claims based on the reduced sum assured.
For Dread Disease Premium Waiver and Enhanced Payor Premium Waiver, the premium waiver benefits do not apply for angioplasty and other invasive treatment for coronary artery.
[6] Total Protect is a rider that provides coverage against early, intermediate and advanced stage specified dread disease. Income Insurance pays the sum assured under this rider upon diagnosis of the insured with one of the specified dread diseases (except angioplasty and other invasive treatment for coronary artery) during the term of the rider. Any payment for an early and intermediate stage specified dread diseases will reduce the sum assured of the rider to zero. You can find the list of early, intermediate and advanced stage specified dread diseases and their definitions in their respective policy contracts.
[7] If you are successful in claiming the early and intermediate stage dread disease benefit, all benefits under this rider will end except the Advanced Restoration Benefit. You will stop making premium payments on this rider. This rider will continue to apply for the Advanced Restoration Benefit during this period even though you are not paying the premiums.
Income Insurance will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery.
Income Insurance will pay no more than $350,000 (not including bonuses) for each insured (no matter how many policies Income Insurance have issued to cover each insured).
Please refer to the policy contract for further details.
[8] For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Please refer to the policy contract for further details.
[9] An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions. The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. Income Insurance will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). Income Insurance will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. Income Insurance will pay this benefit to you only once per policy year. Please refer to the policy contract for further details.
This is for general information only and does not constitute an offer, recommendation, solicitation, or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. You should speak to a qualified insurance advisor before you purchase any product. 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. This plan does not have any cash value.
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 web-sites (gia.org.sg or lia.org.sg or sdic.org.sg.)
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information is correct as at 14 January 2026
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