Alert: Please be aware that scammers may be impersonating China Life Insurance (Singapore) to target you via phone calls, emails or SMSes. Please DO NOT transfer any funds to the other party’s bank account without verification. If you have received any suspicious communications, please contact us directly at Customer Care Hotline 6727 4800.

Alert: Please be aware that scammers may be impersonating China Life Insurance (Singapore) to target you via phone calls, emails or SMSes. Please DO NOT transfer any funds to the other party’s bank account without verification. If you have received any suspicious communications, please contact us directly at Customer Care Hotline 6727 4800.                    
China Life Lifetime Income Supreme Plan (RMB)

China Life Lifetime Income Supreme Plan (RMB)

China Life Lifetime Income Supreme Plan (RMB) offers reliable lifetime yearly income1 with the assurance of a strong capital guarantee2, giving you a simple and steady way to build long-term financial confidence.

With China Life, your future is secure and supported every step of the way.

Product Features

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Enjoy a Lifetime Yearly Income1

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100% Capital Guarantee2

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Contingent Life Insured Option3

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Hassle-Free Application

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Coverage for Death4 and Terminal Illness5

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Flexible Premium Payment Choices6

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China Life Singapore has a trusted and experienced agency team to serve you and provide you a hybrid and customized financial solutions to fulfil your holistic financial needs in risk protection, retirement, wealth management, and legacy planning. Welcome to reach out to any one of our financial specialist consultants to understand the solutions that China Life Singapore can offer to you.
 
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1. For single premium payment, the yearly income will be payable from the end of the 5th policy year as long as the life insured is alive and while the policy is in force. The yearly income comprises:

  1. guaranteed yearly income at 0.5% of the sum insured 7; and
  2. non-guaranteed yearly income (if any).

The non-guaranteed yearly income rate of 5.5% of the sum insured is derived from the participating fund earning the Illustrated Investment Rate of Return (IIRR) of 4.25% p.a. in the future. The non-guaranteed yearly income rate is 2.8% of the sum insured if the IIRR is 3.00% p.a.. Therefore, the actual amount payable may vary according to the future performance of the participating fund.

For regular premium payment, the yearly income will be payable from the end of premium payment term as long as the life insured is alive and while the policy is in force. The yearly income comprises:

  1. guaranteed yearly income at 0.5% of the sum insured; and
  2. non-guaranteed yearly income (if any).

The non-guaranteed yearly income rate of 5.5% of the sum insured is derived from the participating fund earning the Illustrated Investment Rate of Return (IIRR) of 4.25% p.a. in the future. The non-guaranteed yearly income rate is 2.8% of the sum insured if the IIRR is 3.00% p.a.. Therefore, the actual amount payable may vary according to the future performance of the participating fund.

2. For single premium payment, the capital guarantee applies only at the end of 5th policy year. Capital guarantee applies to the basic plan only.

For a policy with 5 years premium payment term, the capital guarantee, which is derived based on yearly premium payment mode, applies at the end of the premium payment term only if all yearly premiums due on the policy have been paid before the end of the Grace Period.

3. In the event of death of the current life insured or when the current life insured is diagnosed with terminal illness, the appointed primary contingent life insured as stated in our records shall be the new life insured of this policy, subject to conditions. Please refer to the policy contract for full details on contingent life insured.

4. For single premium payment, if the life insured dies while the plan is in force, we will pay the sum of:

  1. 101% of the single premium paid or the guaranteed cash value, whichever is higher;
  2. a non-guaranteed terminal bonus (if any);
  3. accumulated guaranteed yearly income and non-guaranteed yearly income (if any); and
  4. interest on the accumulated guaranteed yearly income and non-guaranteed yearly income (if any),

less amounts owing (if any).

For regular premium payment, if the life insured dies while the plan is in force, we will pay the sum of:
  1. 101% of the total yearly premiums due to-date or the guaranteed cash value, whichever is higher;
  2. a non-guaranteed terminal bonus (if any);
  3. accumulated guaranteed yearly income and non-guaranteed yearly income (if any); and
  4. interest on the accumulated guaranteed yearly income and non-guaranteed yearly income (if any),

less amounts owing (if any) and outstanding premium (if any).

5. If the life insured is diagnosed with a terminal illness while the policy is in force, we will advance the death benefit.

6. For regular premium payment, the maximum entry age of life insured is subject to [entry age + premium payment term] is less than or equal to 70 Age Last Birthday.

7. The sum insured is a notional value and is not the benefit that will be paid upon the death of the life insured.

You should seek advice from a financial adviser representative before making a commitment to purchase the plan.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 5 January 2026.