All ages mentioned refer to age next birthday.

1. Terminal Illness Benefit and Total and Permanent Disability Benefit are early payouts of the Death Benefit. Please refer to the Product Summary for more details.
   
   
2. Direct Purchase Insurance (DPI) coverage limit per person per insurer: Maximum Sum Assured of S$400,000 for DPI term life coverage, inclusive of a maximum Sum Assured of S$200,000 for DPI whole life coverage.
   
   
3. Upon renewal of a 5-year renewable term policy, the Life Assured will be insured for the same Sum Assured as before the renewal date and for the same policy term. Premiums will be adjusted based on the age of the Life Assured at renewal and a notice will be mailed to notify you of the new premium payable. The maximum age to renew DIRECT – Singlife Term Life is 80, and the coverage will be up to age 85. The renewal is also applicable to DIRECT – Singlife Critical Illness (Term Life), if attached to the basic policy at inception. The renewal of the basic policy and rider is subject to the policy terms and conditions. Please refer to the Product Summary for more details.
   
   
4. Potential bonuses are made up of Reversionary Bonus and Terminal Bonus. The Reversionary Bonus and Terminal Bonus are non-guaranteed and depend on the performance of Singapore Life Ltd.’s Participating Fund. The Reversionary Bonus will form part of the guaranteed benefit of the policy once it is declared and vested. Please refer to the Product Summary for more details.
   
   
5. The premium of S$0.32 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses a 5-year renewable DIRECT – Singlife Term Life coverage, with Sum Assured of S$400,000 and pays premiums on an annual basis. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.
   
   
6. The premium of S$4.13 per day is for illustration purposes and is based on the following criteria – female, age 19, non-smoker who chooses DIRECT – Singlife Whole Life, with Sum Assured of S$200,000 and pays premiums on an annual basis till age 85. The daily premium is derived using the annual premium amount divided by 365 days, rounded up to the nearest cent.
   
   
7. The premium rate for the rider is non-guaranteed and may be adjusted based on future claims experience.
   
   
8. The Critical Illness Benefit covered in the optional rider accelerates the Death Benefit of the policy to which it is attached. For more details on the benefit, including the list of critical illnesses covered, the waiting period and the exclusions, please refer to the Product Summary of the rider.
   
   
9. The eligibility criteria is subject to terms and conditions.
   
   
10. Depending on the coverage period or premium payment period. Please refer to the Product Summary for more details.
    
    
11. Before you choose a plan, please read the needs and affordability assessment guide. For product information and Insurance Guides, please refer to Product Summary, Your Guide To Life Insurance, Your Guide To Health Information, Direct Purchase Insurance Fact Sheet and Checklist, Frequently Asked Questions, Terms and Conditions, Infographic “Moratorium on Genetic Testing and Insurance”.