Term Life Insurance Calculator Singapore 2026
Estimate your term life insurance premium based on age, gender, smoker status, coverage amount, and policy term. Compare indicative costs across Singapore insurers.
$
Est. Monthly Premium$35
Est. Annual Premium$425
Total Premiums Over 20 Years$8,500
Disclaimer: These are indicative estimates based on industry benchmarks. Actual premiums depend on your health declaration, insurer, and underwriting. Compare quotes from AIA, Prudential, Great Eastern, NTUC Income, and Singlife before purchasing.
How Term Life Premiums Are Calculated
Term life premiums in Singapore depend on: age at entry (older = more expensive), gender (females pay less due to longer life expectancy), smoker status (smokers pay ~2.4x more), coverage amount (sum assured), and policy term. Longer terms cost more annually but provide protection through your peak earning years. Premiums are level for the duration of the policy.
Term Life by Coverage Amount (Indicative, Male 30, Non-Smoker, 20yr)
| Sum Assured | Est. Annual | Est. Monthly |
|---|---|---|
| S$250,000 | ~S$212 | ~S$18 |
| S$500,000 | ~S$425 | ~S$35 |
| S$750,000 | ~S$637 | ~S$53 |
| S$1,000,000 | ~S$850 | ~S$71 |
Indicative estimates only. Get actual quotes from AIA, Prudential, Great Eastern, NTUC Income, Singlife, and Aviva Singapore.