Singlife TermProtect

Singlife TermProtect is an affordable, yearly renewable term insurance plan that provides a lump-sum benefit if you become totally and permanently disabled or pass away.

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Eligibility

You can buy Singlife TermProtect if you:

  • Are 18–55 years old and in good health
  • Are a Filipino citizen or legal resident of the Philippines
  • Have a Fully Verified GCash account
  • Are in the Philippines when you buy the policy

Note: You can only buy Singlife TermProtect for yourself. Buying this policy for someone else is not available at this time.

 

Coverage and benefits

Death benefit

If you pass away, your beneficiary or beneficiaries will receive 100% of the Total Benefit Amount stated in your policy.

Disability benefit

If you become totally and permanently disabled, you may receive:

  • 100% of the Total Benefit Amount if the disability is due to a Standard Accident
  • 50% of the Total Benefit Amount if the disability is due to an Expanded Accident, including higher-risk activities such as paragliding, windsurfing, or parachuting

See your Policy Contract for the complete definitions and coverage details for Standard Accident and Expanded Accident.

Premium payment and renewal

Your premiums are payable and renewable yearly until you reach 89 years old.

 

How to buy Singlife TermProtect

You can buy Singlife TermProtect through the GCash app:

  1. Open the GCash app.
  2. Tap GInsure.
  3. Tap Life, then choose Singlife TermProtect.
  4. Set your preferred Sum Assured.
  5. Review and confirm your personal details.
  6. Pay your initial premium.

You can view your Policy Contract in GInsure. A copy will also be sent to your registered email address.

Multiple policies

You may buy multiple Singlife TermProtect policies. However, your total coverage—including any Coverage Boost—must not exceed PHP6,000,000 across all policies where you are covered as the Primary Insured or an Insured Dependent.

If your combined coverage exceeds PHP6,000,000, Singlife may contact you to ask which policy coverage you want to keep or cancel so your total coverage remains within the limit.

If a claim occurs while your combined coverage exceeds the allowable limit, Singlife will process the claim based on the valid coverage maintained within the maximum limit and according to the Policy Contract and applicable Terms and Conditions.

 

How to file a claim

For help with a claim, please contact Singlife and prepare the following documents, depending on the claim type.

Disability claim

  • Laboratory results
  • Medical abstract
  • Certificate of employment or proof of income
  • Proof of approved SSS Disability Benefit
  • Traffic Accident Report or Police Report, if the disability was caused by an accident

Death claim

  • Death Certificate
  • Medical abstract
  • Certificate of employment or proof of income
  • Valid ID of the beneficiary
  • Traffic Accident Report or Police Report, if the death was caused by an accident
  • Driver’s license and vehicle registration, if the Insured was driving a vehicle when the accident happened
  • If the beneficiary is a spouse or life partner: Marriage Certificate issued by the PSA and a valid government ID
  • If the beneficiary is a child or children: Birth Certificate issued by the PSA, identification card, and legal guardian documents, if applicable

Reminders about claims and applications

Singlife sends reminders according to this schedule:

  • First reminder: 7 days before the required action or due date
  • Second reminder: 24 hours before the required action or due date
  • Cancellation: If no action is taken after the 24-hour reminder, the claim or application will be cancelled the following day

If your claim is cancelled because your requirements are incomplete, you may resubmit it once all required documents are complete and ready.

 

FAQs

If I’m covered as an Insured Dependent, does my coverage count toward the limit?

Yes. The PHP6,000,000 maximum applies to your total coverage across all policies where you are covered as the Primary Insured or an Insured Dependent.

Can my beneficiaries claim from more than one active policy?

Yes. If your policies are active and your combined coverage is within the PHP6,000,000 limit, your beneficiaries may claim the benefits under all applicable policies, subject to the Policy Contract and Terms and Conditions.

Are higher-risk activities covered?

Some higher-risk activities may be covered under Expanded Accident coverage. If eligible, 50% of the Total Benefit Amount may be payable. Check your Policy Contract for the complete list and definitions of covered activities.

 

Contact Singlife

For questions about Singlife TermProtect, your policy, or a claim:

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