Cancellation service N°1 in Singapore
Contract number:
To the attention of:
Cancellation Department – Singlife
4 Shenton Way, SGX Centre 2 #01‑01
068807 Singapore
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Singlife service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
14/01/2026
Cancellation Singlife: Easy Method
What is Singlife
Singlife (Singapore Life Ltd.) is an insurer and financial services provider known for life, health, travel, home and motor insurance products and digital account services. Many of the publicly documented product terms and customer-facing processes (policy servicing, freelook cancellation, refunds) reference operations in Singapore and regional markets.
For Canadian customers or residents seeking to cancel a Singlife product, available policy rules and refund timings are largely those published for Singlife’s web-based services and specific product lines; Canadian-specific product availability and pricing were not found in the public materials used for this guide.
How to cancel Singlife
- Log in to MySinglife (MySinglife portal) and navigate to Services > Policy Servicing. Use “Freelook Cancellation” to cancel within 14 days of receiving a new policy for a full refund (minus any application/issuance expenses). For policy termination requests (policies with no cash value), submit under Services > Policy Servicing > Policy Termination - these typically give no refund but coverage may continue until the next premium due date.
- For Direct Purchase Insurance (DPI) bought via web, write in to cancel within 14 days of receipt; refunds are the premiums paid minus issuing expenses and are processed to the original payment method, typically within 14 working days.
- Travel insurance: single-trip policies can usually be cancelled before the trip start date for a refund less an administrative fee (S$25) provided no travel occurred and no claim/incident; annual multi-trip policies generally allow a 14-day free-look full refund if no claim, and after that may allow partial (e.g., 80% minus pro‑rated) refunds if no claim or incident.
- Home and motor insurance cancellations are typically handled by contacting customer service (call/email) or completing and emailing a cancellation form; refunds are processed within stated working days and may follow short‑period or pro‑rata rules (car insurance commonly uses a sliding short‑period table; home insurance commonly refunds ~80% less pro‑rated coverage used, with no refund if a claim occurred).
- If you prefer paper communication, send a signed written cancellation (registered/recorded delivery recommended) to the company address: Singapore Life Ltd., 4 Shenton Way, SGX Centre 2 #01‑01, Singapore 068807. Keep copies and proof of posting/receipt.
What happens when you cancel
When you cancel, coverage, benefits and access to policy features cease according to the product’s terms and the effective cancellation date. For some “no cash value” terminations, coverage may remain active until the next premium due date although no refund is provided. For other products cancelled within the free‑look period, the policy is generally treated as voided and benefits are not payable while a full (less expenses) refund is processed.
Cancellations do not automatically close related digital accounts or data records; the insurer will retain policy and transaction records per its data retention and regulatory obligations. If a claim or incident has already occurred, refund eligibility is frequently limited or voided under the policy provisions.
Will I get a refund?
If you cancel within the policy’s free‑look period (commonly 14 days from receipt for many Singlife products), you are ordinarily entitled to a full refund of premiums paid minus any application or issuing expenses. For Direct Purchase Insurance the same 14‑day rule generally applies, with refunds processed back to the original payment method within about 14 working days.
Travel insurance rules vary by product: single‑trip cancellations before the start date can qualify for a refund less an S$25 admin fee provided there has been no travel and no claim; annual multi‑trip policies typically allow a full refund within 14 days if no claim, and after the free‑look yield a partial refund (for example, 80% minus pro‑rated coverage used) if no claim or incident. Home insurance refunds are often calculated as 80% of premium paid less the pro‑rated amount for the coverage period and are processed within 14 working days, with no refund if a claim has occurred. Car insurance refunds commonly use a short‑period sliding scale (e.g., higher refund in the first 15 days, progressively smaller refunds later) and no refund if a claim/incident has occurred.
Note: most published refund figures and fees are denominated in Singapore dollars (S$); no Canada‑specific pricing or currency conversion policies were located in the public materials used to prepare this guide.
Singlife plans and pricing
| Plan / Product | Typical pricing (CAD) | Notes |
|---|---|---|
| Life & Protection Plans | Varies | Public materials reference SGD/PHP pricing; no Canadian price list found. |
| Direct Purchase Insurance (DPI) | Varies | Cancellation/refund terms published; price depends on product and region. |
| Single‑trip Travel Insurance | Varies | Refund policy: refund less S$25 admin if unused and no claim. |
| Annual Multi‑trip Travel Insurance | Varies | 14‑day free look; partial refunds after free look subject to pro‑rata/80% rules. |
| Home Insurance | Varies | Refunds often follow an ~80% minus pro‑rated approach; no refund if claim. |
| Car Insurance | Varies | Refunds typically follow short‑period sliding rates; subject to claims history. |
Your consumer rights in Canada
Insurance regulation in Canada is primarily provincial and territorial: consumer rights and cancellation remedies depend on the product type and where the policy was issued and regulated. There is no single federal “free‑look” rule that applies universally to all insurers in Canada; instead you should check your policy wording and the regulator in the province where the policy was issued.
For guidance or to escalate unresolved disputes, Canadian consumers may consult resources such as the Financial Consumer Agency of Canada (FCAC) for general financial consumer information and the applicable provincial insurance regulator or ombudservice for life and health insurance complaints. Keep written records of all cancellation requests and responses, and be prepared to provide policy documents and proof of purchase when raising a complaint.
Customer experiences
Public reviews show a mix of experiences. Some customers report fast, straightforward service and successful claims under specific protection plans. Other reviewers describe prolonged customer‑service delays, unresolved payment or withdrawal issues, app‑related frustrations and slow claim handling; a recurring theme in negative reviews is difficulty getting timely responses and the need to escalate to regulators in some cases. These mixed reports underline the value of documenting cancellation requests and following up if you do not receive acknowledgement or refund within the stated timelines.
Documentation checklist
- Policy number and product name; copy of the policy schedule and certificate of insurance.
- Proof of purchase / payment receipts and date you received the policy.
- Photo ID (as required), bank account or card details for refund, and contact information.
- Any claim records or incident reports (if applicable) and proof that travel was unused (for travel refund requests).
- Copies of prior correspondence with Singlife (emails, portal messages) and proof of posted registered mail if used.
Common mistakes
Common errors include missing the 14‑day free‑look deadline, failing to include the policy number or proof of receipt in the cancellation request, not returning required documents, and assuming a refund is automatic or immediate. Other mistakes are sending a cancellation to the wrong office or using an unverified contact channel, and not checking whether a specific policy (for example, a “no cash value” termination policy) is ineligible for refund. Always retain proof of your cancellation request and follow up promptly if you do not receive written confirmation.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| MySinglife portal - Freelook cancellation | Full refund (minus application/issuance expenses) if within 14 days | Low |
| Portal - Policy Termination (no cash value) | No refund; coverage may continue until next premium due date | Medium |
| Direct Purchase Insurance (write in within 14 days) | Refund of premiums minus issuing expenses; returned to original payment method within ~14 working days | Low |
| Travel - Single‑trip (before start) | Refund less S$25 admin if unused and no claim | Low - Medium |
| Travel - Annual multi‑trip (post free‑look) | Typically 80% minus pro‑rated coverage if no claim; no refund if claim/incident | Medium |
| Home insurance (customer service) | About 80% minus pro‑rated usage; processed within ~14 working days; no refund if claim | Medium |
| Car insurance (form & email) | Short‑period rates sliding scale (higher refund early, lower later); no refund if claim | Medium - High |
After cancelling
After you submit a cancellation, expect written confirmation from Singlife and watch for the refund to be processed to the original payment method within the stated window (often around 14 working days for many product lines). If you do not receive confirmation within a few business days, follow up via the portal or the insurer’s customer service channels and keep all correspondence.
If issues remain unresolved, consider sending a registered written complaint to the company address, and escalate to the appropriate Canadian regulator or ombudservice for assistance. Helpful links: Singlife corporate site and support pages at singlife.com, MySinglife portal login (check your product paperwork for the exact portal URL), the Financial Consumer Agency of Canada at canada.ca/fcac, and the OmbudService for Life & Health Insurance at olhi.ca.
Address
Singapore Life Ltd., 4 Shenton Way, SGX Centre 2 #01‑01, Singapore 068807