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NTUC Income Life Insurance

NTUC Income was founded as a cooperative in 1970 in a bid to provide general and life insurance to the average Singaporean. Today, it is chaired by Ronald Ong and CEO Andrew Yeo, and has a total of 14 branches.

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Why choose NTUC Income Insurance?

NTUC Income offers 14 general and life insurance plans for individuals, spanning health, personal accident, life, savings, investments, car and motorcycle, travel, home, maid, and more. NTUC Income also offers employee benefit and commercial insurance.
NTUC Income's customer service hotline is 6788 1777. However, NTUC Income has dedicated hotlines for every type of insurance, claim, and even for quotations if you intend to purchase a new insurance plan. You will find a comprehensive list of all the hotlines below.

NTUC Income Insurance Plans

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NTUC Income Whole Life Insurance

NTUC Income Star Assure

NTUC Income Star Assure is a whole life insurance plan which pays you a lump-sum amount in the event you are diagnosed with a terminal illness, total and permanent disability, or pass away. You have the option of a 5 times multiplier, and to buy critical illness or other riders to include COVID-19 coverage.

NTUC Income Star Prime Life

NTUC Income Star Prime Life is a whole life insurance that is meant for applicants aged 49 to 69 years old. You will pay 10 years of premiums, and coverage includes total and permanent disability (only before 70 years old), and you will only receive 100% of your sum assured and bonuses in the event you are diagnosed with total and permanent disability (before age 70) or pass away after your 5th policy year.

NTUC Income Direct Star Classic Protect

NTUC Income Direct Star Classic Protect is a whole life insurance plan which you can buy directly from NTUC Income without the help of an insurance agent. Coverage includes death, terminal illness, and total and permanent disability (before age 65).

Why choose NTUC Income Star Assure?

Whole Life Insurance

A whole life insurance plan which covers you up to death

Key Benefits

The basic or core coverage of the NTUC Income Star Assure includes death, accidental death, total and permanent disability, and terminal illness

Accidental Death

In the event you pass on due to an accident, your family will receive 2 times the sum assured you have set in place

Base Sum Assured

You will get to choose the lump-sum payout that you want to receive in the event you run into disabilities, terminal illness, or death. The sum assured should be sufficient to support your family's lifestyle and loans


Most whole life insurance plans will allow you to increase your base sum assured for a fixed number of years – usually the years while your children are still financially dependent on you. NTUC Income's Star Assure offers up to 5 times multiplier until 70 years old


Most whole life plans will also offer you guaranteed and non-guaranteed bonuses – the former which will be a fixed percentage of your policy's sum assured, and the latter is not guaranteed

Retrenchment Benefit

If you've been retrenched, you may not be able to afford the expensive premiums of a whole life insurance. The Star Assure allows you to postpone your premiums for 6 months if you've been retrenched for 3 months consecutively


Want to increase your whole life plan's coverage to also include critical illness or other diseases such as COVID-19? You can add riders to extend your coverage

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NTUC Income Term Life Insurance

If you're considering and comparing whole versus Term life insurance plans, NTUC Income offers a whopping 15 different types of Term insurance plans – but not all of them are Term life plans. The NTUC iTerm, TermLife Solitaire (for high net-worth individuals), LUV (for NTUC members), Direct Term Life (which you can buy without the help of an insurance agent), Plus! Protect (for NTUC Plus! credit card holders) are some of the more traditional Term life insurance plans that you may be looking for.

What types of insurance does NTUC Income offer?

NTUC Income offers 13 types of general and life insurance products, spanning whole life and Term life insurance, savings, investments, health, car, motorcycle, maid, and more. Here, a summary of some of NTUC Income's key insurance plans:

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Types of Insurance offered by NTUC Income


Life Insurance

NTUC Income offers 4 whole life insurance plans and 15 types of Term insurance plans ranging from the traditional Term life plans, savings, mortgage, maternity, critical illness, SAFRA, HomeTeamNS, and corporate schemes.


Health Insurance

There are 11 health insurance plans at NTUC Income, ranging from an Integrated Shield Plan (IP plan), CareShield, ElderShield, PrimeShield, MINDEF, and SAF medical insurance plans.


Personal Accident Insurance

There are 8 personal accident insurance plans offered by NTUC Income, spanning the PA Secure, i50 accident and home cover, PA Assurance, PA Guard, SilverCare, Autism, Down syndrome, and personal mobility insurance plans.


Savings Plans

NTUC Income offers 16 different types of savings plans for different needs – child's education, retirement, cash payouts, annuity, and wealth management for high net-worth individuals.


Investment-Linked Plans

There are 4 Investment-Linked Plans (ILPs) at NTUC Income, namely the VivaLink, VivoLink, FlexiLink which allows you to use CPF funds, and GrowthLink.


High Net-Worth

NTUC Income's Solitaire series of 4 insurance plans provides wealth management and protection for high net-worth individuals. They are namely the Legacy Solitaire, Wealth Solitaire, TermLife Solitaire, and Grandeur Solitaire (in USD).


Car Insurance

NTUC Income offers 1 car insurance plan, called Drivo Car Insurance which includes benefits such as vehicle repairs, third-party property damages, accidents, road and medical assistance in West Malaysia, towing, and more.


Motorcycle Insurance

NTUC Income's Motorcycle Insurance includes benefits and coverage such as vehicle repairs and third-party property damages in the event of accidents, fire, theft, third-party injury or death, and towing.


Travel Insurance

NTUC Income's travels insurance insures you against damages to your personal belongings, accidents, and medical expenses for you, your spouse, and children. If you or your child is going overseas for studies, NTUC Income also offers an Overseas Study Protection Plan to protect you or your child from death, permanent disability, injuries, medical expenses, and travel inconveniences.


Home Insurance

NTUC Income's Enhanced Home Insurance protects your home's building, contents, and renovations from situations such as fire, burst pipes, and thefts. You will also be covered for accidental death, disability, and injuries.


Maid Insurance

NTUC Income also offers a Domestic Helper Insurance to protect your maid from accidental death, permanent disability, hospital expenses, and surgeries in government hospitals. You will also receive wage compensation if your helper is hospitalised.


Golfer's Insurance

If you golf, NTUC Income offers a Golfer's Insurance to cover you from injuries, your golfing equipments, and any public liabilities due to accidents during your golf games globally. Other benefits include a S$500 benefit for hole-in-ones.

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How to apply for your Life Insurance plan

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Applying for a Life Insurance plan through MoneySmart

Step 1

Answer Some Questions

Don't have time to compare all the different life insurance plans in Singapore? Answer some questions and let our intelligent system find the best life insurance plan for you.

Step 2

Speak To Our Insurance Specialists

After you submit your quiz, our expert insurance specialist team members may drop you a call to clarify your needs and explain your options to you. Seize this chance to ask our friendly colleagues the burning questions you may have about life insurance!

Step 3

Apply And Purchase Your Life Insurance

Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your life insurance plan online through our portal.

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NTUC Income Life Insurance Claims

What are insurance claims? An insurance claim refers to the request for monetary reimbursement that the insurance plan's owner (aka you) have submitted to your insurance company. There is a lot of talk around claims because that's pretty much the point of getting a life insurance plan. What sets an insurance company apart (and likewise turn customers off) from another is the reliability, and convenience of the claims system.

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How to Claim with NTUC Income

Claims Online

If there's been a death, critical illness, terminal illness, or disability diagnosis, you will be able to find step-by-step guides of your claims process from the NTUC Income Website. On the left hand side menu, click on "Claims" and choose the insurance category that you will be claiming from. In this case, it will be "Life Insurance"

Claims Form

After you select the insurance category, you will be able to select the specific situation and condition that you are claiming for from the dropdown menu. You will then be lead to another page with detailed step-by-step instructions of the claims process, and the necessary claims forms which you will be required to fill in before you submit together with all the supporting documents.

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NTUC Income Hotline

General Hotline6788 1777
Car and Motorcycle Insurance6788 6616
On-Site Car Motor Assistance (Orange Force)6789 5000
Travel Insurance6788 6616
Home Insurance6788 6616
Personal Accident Insurance6788 6616
Health Insurance6332 1133
NTUC IncomeShield Claims Status6789 6886
Life Insurance6788 1122
Domestic Cleaning, Health Screenings, Home Services, Estate Planning, Existing Loans6788 8788
Orange Aid Enquiries and Donations6788 1777

Frequently Asked Questions

How to pay NTUC Income insurance online?

There are 7 ways you can pay your NTUC Income insurance online and in person – via GIRO, AXS, credit cards, internet banking (only for DBS, POSB, OCBC, UOB), via NTUC Income's own customer portal called [email protected], NETS, or cheque.

How to add sub-rider for NTUC Income?

If you hold a NTUC Income Motorcycle Insurance and would like to add another named rider to your policy, you can do so via the "Income Motor Insurance Self-Service Portal" online. You can add up to 2 named riders if the registered owner of the motorcycle does not hold a driving license and is therefore not named.

How to surrender NTUC Income policy?

If you would like to surrender a life insurance or an investment-linked policy, you can visit NTUC Income's "Surrender of Policies" webpage. You will then be guided through a step-by-step automated form to complete the policy surrender. If you hold other kinds of policies and would like to end the policy, you can just terminate them when it's time for renewal.

Is NTUC Income government-owned?

NTUC Income is theoretically not government-owned. It is owned by NTUC – or the National Trades Union Congress. However, the current secretary-general of NTUC, Ng Chee Meng, was a member of the Singapore Parliament for the Pasir Ris Punggol GRC (until 2020), was the Minister for Education, Schools (2018), and held other positions as a minister in the Prime Minister's office since 2013.

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