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Life insurance

Term life insurance, insurer by insurer

Deep research on each insurer’s term-life range: current products and what they actually cover, riders, exclusions, underwriting posture, legacy plans and launch timelines. We compare benefits, not prices — term premiums are quotation-based and depend on your age, smoker status and underwriting, so an adviser confirms the numbers.

Pick an insurer

Research livePrudential2 current products · legacy plans · riders · timelineTwo adviser-sold term plans on sale today: a flexible long-horizon chassis with a deep rider ecosystem, and a simplified-underwriting plan for people with existing conditions.Open the research
Research liveAIA2 current products · legacy plans · riders · timelineOne flagship adviser-sold term plan in two structures: a renewable-and-convertible chassis built to protect future insurability, and a level-premium version for a fixed liability window.Open the research
Research liveIncome Insurance3 current products · legacy plans · riders · timelineSingapore's value-focused local insurer: a mass-market renewable term capped below S$500k, a high-cover Solitaire renewable to age 100 (currently with a perpetual 35% discount), and a cheap reducing mortgage term — but no conversion privilege anywhere on the shelf.Open the research
Research liveGreat Eastern2 current products · legacy plans · riders · timelineSingapore's oldest and largest life insurer, with a brand-new flagship term (GREAT Term 2, from Jan 2026): conversion privilege to 70, a 121-condition CI rider — and pricing that sits above the cheapest panel, selling strength rather than price.Open the research
Research liveSinglife3 current products · legacy plans · riders · timelineThe price leader with the national-service moat: cheapest verified S$1m premium of 2026, guaranteed cover boosts at life events, a Limited Pay term that refunds every premium at 99 — and the MINDEF/MHA group scheme it has underwritten since 1983.Open the research
Research liveHSBC Life2 current products · legacy plans · riders · timelineThe bank-backed shelf built from the AXA acquisition: term to age 99 with multi-currency premiums and inflation indexation, plus a bank-channel limited-pay term — and, announced 24 July 2026, a pending ~S$2.9b sale of the whole insurer to Allianz (expected to close H1 2027, subject to MAS approval).Open the research

Quick answers

What is the difference between renewable and level term insurance?A renewable term plan renews in blocks (e.g. 5, 10, 20 or 30 years) at your attained age, so early premiums are lower but renewal premiums are not guaranteed and rise with age. A level term plan fixes the premium for the whole chosen term, which is cleaner for a fixed liability like a mortgage but usually costs more at the start.
Why doesn't MoneyAtlas compare term insurance prices?Term life premiums in Singapore are quotation-based and depend on your age, sex, smoker status and underwriting outcome, and insurers publish illustrations rather than a full public rate table. MoneyAtlas compares benefits, riders, exclusions and structure instead, and a licensed adviser pulls the exact premium for your profile.
What is a term insurance conversion privilege?A conversion privilege lets you convert a term policy to a whole-life, endowment or investment-linked plan without further medical underwriting, usually before age 70. It protects your future insurability if your health worsens after purchase — a genuinely valuable feature for buyers with medical history.

Term premiums aren’t public — an adviser can price them for you

A licensed adviser can:

  • Pull a live policy illustration with your exact age, smoker status and health profile
  • Compare insurers’ quotes side by side — including plans with no public rate table
  • Sanity-check how much cover you actually need before you pay for riders
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Research summaries are for education and comparison only, compiled from public insurer, compareFIRST and MoneySense materials. Details marked “unspecified publicly” are not published by the insurer and must be confirmed against a current policy illustration. This page does not rank insurers or recommend a product.