An acceptable residential address proof is a utility bill, bank statement or letter from statutory/government body within the last 6 months. The document must be in the organisation's letter head and clearly show the date, your name and address.

Personal Data Use Statement
By providing the information and submitting this application or transaction, I/we consent and agree to Income Insurance Limited (“Income”), its representatives, agents, relevant third parties, Income’s appointed insurance intermediaries and their respective third party service providers and representatives (collectively “Income Parties”) (referred to in Income’s&nbsp;<a href="https://www.income.com.sg/privacy-policy" data-new-window="true" target="_blank" rel="noopener noreferrer">Privacy Policy</a>) to collect, use, and disclose any personal data in this form or obtained from other sources, including existing personal data provided and any future updates, (collectively “personal data”) for the purposes of processing and administering my/our insurance application or transaction, providing me/us with financial advice and/or recommendation on products and services, managing my/our relationship and policies with Income including sending me/us corporate communications and notices on updates and servicing, research and data analytics, and&nbsp;in the manner and for the purposes described in Income’s Privacy Policy and <a href="https://www.income.com.sg/terms-of-use" data-new-window="true" target="_blank" rel="noopener noreferrer">Terms of Use</a>.
Where the personal data of another person(s) (for example, personal data of my family members, payee/payer or beneficiary) is provided by me/us or from other sources to Income Parties, I/we represent and warrant that:
I/we have obtained their consent for the collection, disclosure and use of their personal data; and
I am/we are authorised to give any authorisation, approval and consent on their behalf to collect, use or disclose, their personal data, for the purposes as set out in this Personal Data Use Statement.

Marketing Consent
In addition, I (the Policyholder/Proposer) consent and agree to Income, its representatives, agents, and service providers acting on behalf of Income in, collecting, using and disclosing my personal data (including any future updates and existing personal data that I have/had given to Income, its representatives/agents) to contact me for the purpose of providing marketing and promotional information relating to products and/or services offered and/or distributed by Income via Email. &nbsp;
My marketing consent given here is (a) regardless of whether this application or transaction is accepted or refused by Income; and (b) in addition to any consent which I may have provided previously in respect of the above purposes. The marketing consent that I have provided to Income shall remain valid, unless it is withdrawn and notified to Income in the manner prescribed below.
I may withdraw my above consent by, contacting Income Contact Centre at 6788 1777, login at me@Income or submitting my request via Income website at <a href="https://einco.me/enquiry" data-new-window="true" target="_blank" rel="noopener noreferrer">https://einco.me/enquiry</a>.&nbsp;
Please refer to Income’s Privacy Policy for more information, including access and correction of my personal data and consent withdrawal.

<ul>
 <li>I am a Singapore citizen or Permanent Resident. I am solely a tax resident of Singapore and do not have a foreign tax residency. My Singapore Tax Identification Number is my NRIC number.</li>
 <li>My residential address and mailing address are in Singapore and I have a Singapore mobile number.</li>
 <li>I confirm that there is no beneficial ownership arrangement under this policy.1</li>
 <li>I am not a Political Exposed Person (PEP) or related to a PEP.2</li>
 <li>I am not buying this policy to replace any existing insurance policy or investment product.3</li>
 <li>I am not an undischarged bankrupt and no bankruptcy application (including any statutory order) or order has been made against me.</li>
 <li>I am of age 18 and above but below age 62 and I am proficient in spoken and written English.</li>
</ul>
 
1A Beneficial Owner is defined in the MAS Notice on Prevention of Money Laundering and Countering the Financing of Terrorism as an individual who ultimately owns or controls the customer or the individual on whose behalf business relations are established.
 
2A Politically Exposed Person (PEP) is an individual who is, or has been entrusted with prominent public functions whether in Singapore, a foreign country or an international organisation. Prominent public function includes the roles held by head of state, a head of government, government ministers, senior civil or public servants, senior judicial or military officials, senior executives of state owned corporations, senior political party officials, members of the legislature, and senior management of international organisations.
 
3I understand that some of the disadvantages of replacement are: the insurance may not be granted on standard terms; I may have to pay a higher premium as I am now older; and I will lose financial benefits built up over the years.&nbsp;

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Estimated time to complete: 3-4 mins

Allow up to 3 working days for approval

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Please prepare your Proof of residence document if you are a foreigner

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By clicking "Complete Order", you authorise Income to charge you automatically on a monthly basis via STRIPE for the plan(s) chosen by you until the plan(s) terminates. The recurring charge may change depending on the premium you selected for each plan. You may adjust your selected premium or cancel anytime by making your application through the TRIBE by Income website or email to hello.tribe@income.com.sg

Some information has been pre-filled with

Please note:
You must give all the facts truthfully when you make this application. If you fail to reveal any relevant information in this application, you may not receive any benefits under your policy or we may declare your policy as void. If you are in doubt as to whether a fact is relevant, you should reveal it anyway. Please check to make sure you are fully satisfied with the information in this application.
 
Please scroll down to read all the terms and conditions before you click "I agree".
 
Although I am applying for this policy with no advice from you, I am aware that I may choose to seek advice from a financial adviser representative on the suitability of the policy and to explain the product features before purchasing it. If I decided not to seek any advice, I would have already considered the suitability of the policy for my financial circumstances and needs.
 
I will enjoy a free-look period of 14 days from the date I receive the policy document. I can cancel this policy within the free-look period and you will refund me the premiums I have paid, less any expenses incurred by you in underwriting the policy.
 
The policy coverage amount for certain policies may vary upon policy renewal.
&nbsp;
I can ask you for a copy of Your Guide to Life Insurance or Your Guide to Health Insurance (or both) or download them from: <a href="http://www.income.com.sg" data-new-window="true" target="_blank" rel="noopener noreferrer">http://www.income.com.sg</a>&nbsp;
 
I have read and understood the product summary, including any coverage exclusions that apply, (and for TRIBE-Term Life, the cover page and policy illustration) to the relevant new TRIBE policy.
 
I have read and understood the terms, conditions and exclusions in the policy conditions.
 
This policy will not take effect until I have paid my first premium in full and my application is accepted and the policy is issued by you.
 
This policy is issued as a Singapore Policy and the policy will be entered in the Register of the Singapore policies.
 
I have read the <a href="https://www.income.com.sg/privacy-policy" data-new-window="true" target="_blank" rel="noopener noreferrer">Privacy Policy</a> and I agree and consent to the collection, use and disclosure of the personal data I have provided as stated in the “Personal Data Use Statement” and in accordance to its terms and conditions.
 
For the purpose of this application and any claim in connection with my/our policy(ies) with Income, I authorize, consent to, and agree to any medical source, insurance office, reinsurance, or organization to release to you and you to release to any medical source, insurance office, reinsurance, or organization any relevant information to do with me or the insured whether you accept my application or not. A copy of this authorization is valid as an original copy.
 
I am not a SIP. Special Interest Person (SIP) is one who has been convicted of a crime or is of particular interest to the authorities and on a watch-list or similar. If I’m found to be a SIP, my policy/policies may be voided by Income.
 
I have never been refused to buy any life or health insurance and my life or health insurance has never been canceled or voided by my insurer.
 
If a credit card is used for payment and the cardholder is not me, I declare that the cardholder has authorised and consented to such use and that I am authorised to agree to the payment method and terms under the above credit card option on the cardholder's behalf.
 
I confirm that the entire marketing and selling process for my proposed insurance application has been carried out in Singapore.
 
I am a Singapore citizen or Permanent Resident and I am solely a tax resident of Singapore and do not have a foreign tax residency. My Singapore Tax Identification Number is my NRIC number.
 
I will inform you within 30 days if there is any change in circumstances which affects my tax residency status and give you an updated FATCA and CRS self-certification form within 90 days of such change in circumstances. I understand that any false, misleading or fraudulent information regarding my tax residency status may result in certain penalties.
 
I confirm that there is no beneficial ownership arrangement under this policy. A Beneficial Owner is defined in the MAS Notice on Prevention of Money Laundering and Countering the Financing of Terrorism as an individual who ultimately owns or controls the customer or the individual on whose behalf business relations are established.
 
I am proficient in spoken and written English.
 
I am allowed to buy this policy under the laws and regulations that apply to my nationality and the country that I reside in. I understand that you will not be responsible for any legal consequences under the laws of any other country or any tax effects that may arise relating to the purchase of this policy. I declare that any funds and assets I place with you and any profits generated from them, comply with the tax laws of the countries where I am a resident of, and a citizen of.
 
I am not buying this policy to replace any existing insurance policy or investment product. I understand that some of the disadvantages of replacement are:
<ul>
 <li>the insurance may not be granted on standard terms;</li>
 <li>I may have to pay a higher premium as I am now older; and</li>
 <li>I will lose financial benefits built up over the years.</li>
</ul>
 
I/We am/are not a PEP or related to a PEP. Political Exposed Person (PEP) is one who is, or has been entrusted with prominent public functions in Singapore or other countries. Such functions include the roles held by:
<ol>
 <li>head of state or government</li>
 <li>government ministers</li>
 <li>senior political party officials</li>
 <li>senior civil or public servants</li>
 <li>senior judicial or military officials</li>
 <li>senior executives of state owned corporations</li>
 <li>members of the legislature</li>
 <li>senior management of international organisations formed between countries e.g. United Nations, World Trade Organisation</li>
</ol>
 
A person related to a PEP is one who is closely connected to a PEP, or a family member of the PEP.
 
I am not an undischarged bankrupt and no bankruptcy application (including any statutory order) or order has been made against me.
 
I/We agree that if I/we or any *Relevant Person is found to be a **Prohibited Person, you are entitled not to accept this application. If any policy is issued, you can terminate or void the policy, or not make any transaction under the policy such as not pay any benefit. Your decision will be final. I/We will inform you immediately if there is any change in my/our or any Relevant Person’s identity, status or identification documents.
 
*Relevant Person includes insured, trustee, assignee, beneficiary, beneficial owner or nominee and mortgagee or financier.
**Prohibited Person means a person or entity who is subject to laws, regulations or sanctions administered by any governmental or regulatory authorities or law enforcement in any country, which will prohibit you from providing insurance cover or paying any benefit.
 
The answers given in this application are correct and complete and I accept full responsibility for them. If it is discovered later that the insured person suffers from any medical condition that is not stated in this application, I cannot rely on the defence that the information was disclosed in the records of other policies with you. This application and answers I have given, will &nbsp;form the basis of the contract of insurance between you and me. If anything is incorrect or incomplete, the policy will not be valid.
 
Additional Terms Only Applicable to TRIBE-Term Life
&nbsp;A life policy is not a savings account or deposit and I may not get back the premiums paid (partially or in full) if I terminate or surrender the policy early.
 
I have reviewed all existing life policies that I have or am applying for and I can afford this policy. This policy is appropriate to my financial needs and insurance objectives. I am aware that I can use the following resources to get information before I decide to buy this life policy:
<ul>
 <li><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/InsuranceEstimator/InsuranceEstimator" data-new-window="true" target="_blank" rel="noopener noreferrer">Insurance Estimator</a> to calculate the amount of life insurance coverage you need;</li>
 <li><a href="https://www.moneysense.gov.sg/financial-tools/budget-calculator" data-new-window="true" target="_blank" rel="noopener noreferrer">MoneySense Budget</a> Calculator to check whether you can afford the premium based on your income and expenditure;</li>
 <li><a href="https://www.comparefirst.sg/wap/homeEvent.action" data-new-window="true" target="_blank" rel="noopener noreferrer">CompareFirst</a> to compare the features and premiums of DPI and other types of life policies; and</li>
 <li><a href="https://www.moneysense.gov.sg/articles/2018/10/buying-direct-purchase-insurance" data-new-window="true" target="_blank" rel="noopener noreferrer">MoneySENSE</a> to learn more about DPI.</li>
</ul>

Please note:
You must give all the facts truthfully when you make this application. If you fail to reveal any relevant information in this application, you may not receive any benefits under your policy or we may declare your policy as void. If you are in doubt as to whether a fact is relevant, you should reveal it anyway. Please check to make sure you are fully satisfied with the information in this application.
 
Please scroll down to read all the terms and conditions before you click "I agree".
 
Although I am applying for this policy with no advice from you, I am aware that I may choose to seek advice from a financial adviser representative on the suitability of the policy and to explain the product features before purchasing it. If I decided not to seek any advice, I would have already considered the suitability of the policy for my financial circumstances and needs.
 
I will enjoy a free-look period of 14 days from the date I receive the policy document. I can cancel this policy within the free-look period and you will refund me the premiums I have paid, less any expenses incurred by you in underwriting the policy.
 
The policy coverage amount for certain policies may vary upon policy renewal.
&nbsp;
I can ask you for a copy of Your Guide to Life Insurance or Your Guide to Health Insurance (or both) or download them from: <a href="http://www.income.com.sg" data-new-window="true" target="_blank" rel="noopener noreferrer">http://www.income.com.sg</a>&nbsp;
 
I have read and understood the product summary, including any coverage exclusions that apply to the relevant new TRIBE policy.
 
I have read and understood the terms, conditions and exclusions in the policy conditions.
 
This policy will not take effect until I have paid my first premium in full and my application is accepted and the policy is issued by you.
 
This policy is issued as a Singapore Policy and the policy will be entered in the Register of the Singapore policies.
 
I have read the <a href="https://www.income.com.sg/privacy-policy" data-new-window="true" target="_blank" rel="noopener noreferrer">Privacy Policy</a> and I agree and consent to the collection, use and disclosure of the personal data I have provided as stated in the “Personal Data Use Statement” and in accordance to its terms and conditions.
 
For the purpose of this application and any claim in connection with my/our policy(ies) with Income, I authorize, consent to, and agree to any medical source, insurance office, reinsurance, or organization to release to you and you to release to any medical source, insurance office, reinsurance, or organization any relevant information to do with me or the insured whether you accept my application or not. A copy of this authorization is valid as an original copy.
 
I am not a SIP. Special Interest Person (SIP) is one who has been convicted of a crime or is of particular interest to the authorities and on a watch-list or similar. If I’m found to be a SIP, my policy/policies may be voided by Income.
 
I have never been refused to buy any life or health insurance and my life or health insurance has never been canceled or voided by my insurer.
 
If a credit card is used for payment and the cardholder is not me, I declare that the cardholder has authorised and consented to such use and that I am authorised to agree to the payment method and terms under the above credit card option on the cardholder's behalf.
 
I confirm that the entire marketing and selling process for my proposed insurance application has been carried out in Singapore.
 
I am a Singapore citizen or Permanent Resident and I am solely a tax resident of Singapore and do not have a foreign tax residency. My Singapore Tax Identification Number is my NRIC number.
 
I will inform you within 30 days if there is any change in circumstances which affects my tax residency status and give you an updated FATCA and CRS self-certification form within 90 days of such change in circumstances. I understand that any false, misleading or fraudulent information regarding my tax residency status may result in certain penalties.
 
I confirm that there is no beneficial ownership arrangement under this policy. A Beneficial Owner is defined in the MAS Notice on Prevention of Money Laundering and Countering the Financing of Terrorism as an individual who ultimately owns or controls the customer or the individual on whose behalf business relations are established.
 
I am proficient in spoken and written English.
 
I am allowed to buy this policy under the laws and regulations that apply to my nationality and the country that I reside in. I understand that you will not be responsible for any legal consequences under the laws of any other country or any tax effects that may arise relating to the purchase of this policy. I declare that any funds and assets I place with you and any profits generated from them, comply with the tax laws of the countries where I am a resident of, and a citizen of.
 
I am not buying this policy to replace any existing insurance policy or investment product. I understand that some of the disadvantages of replacement are:
<ul>
 <li>the insurance may not be granted on standard terms;</li>
 <li>I may have to pay a higher premium as I am now older; and</li>
 <li>I will lose financial benefits built up over the years.</li>
</ul>
 
I/We am/are not a PEP or related to a PEP. Political Exposed Person (PEP) is one who is, or has been entrusted with prominent public functions in Singapore or other countries. Such functions include the roles held by:
<ol>
 <li>head of state or government</li>
 <li>government ministers</li>
 <li>senior political party officials</li>
 <li>senior civil or public servants</li>
 <li>senior judicial or military officials</li>
 <li>senior executives of state owned corporations</li>
 <li>members of the legislature</li>
 <li>senior management of international organisations formed between countries e.g. United Nations, World Trade Organisation</li>
</ol>
 
A person related to a PEP is one who is closely connected to a PEP, or a family member of the PEP.
 
I am not an undischarged bankrupt and no bankruptcy application (including any statutory order) or order has been made against me.
 
I/We agree that if I/we or any *Relevant Person is found to be a **Prohibited Person, you are entitled not to accept this application. If any policy is issued, you can terminate or void the policy, or not make any transaction under the policy such as not pay any benefit. Your decision will be final. I/We will inform you immediately if there is any change in my/our or any Relevant Person’s identity, status or identification documents.
 
*Relevant Person includes insured, trustee, assignee, beneficiary, beneficial owner or nominee and mortgagee or financier.
**Prohibited Person means a person or entity who is subject to laws, regulations or sanctions administered by any governmental or regulatory authorities or law enforcement in any country, which will prohibit you from providing insurance cover or paying any benefit.
 
The answers given in this application are correct and complete and I accept full responsibility for them. If it is discovered later that the insured person suffers from any medical condition that is not stated in this application, I cannot rely on the defence that the information was disclosed in the records of other policies with you. This application and answers I have given, will &nbsp;form the basis of the contract of insurance between you and me. If anything is incorrect or incomplete, the policy will not be valid.