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Insurance surrender documents checklist

The documents Singapore insurers usually ask for when you surrender a life policy. Your insurer's own form has the final list, so check it, then tick these off as you gather them.

Sources last checked 14 October 2026

For every surrender

Tick as you go. Nothing here is saved or sent. For the whole process insurer by insurer, use the surrender planner.

Your insurer's current surrender formDownloaded on the day you use it, and the one for your plan type. All insurer forms
Your policy numberOn your policy schedule, annual statement or the insurer's app.
IdentificationWhatever your insurer asks for, usually a copy of your identity document, sent only to the insurer.
Proof of your bank accountFor direct credit, in the policyowner's own name.
A dated surrender valueSo you can check the payout against what you were quoted. Work out your net value

Only in some cases

These depend on the insurer, the plan and who is involved.

Document	When it's needed
The original policy document	For some insurers and plans. Tokio Marine Life asks for it for traditional cash-value plans; Income Insurance says it doesn't need it.
A lost policy indemnity	If the insurer needs the original and you have lost it. Tokio Marine Life has its own form.
A handwritten signature	Some HSBC Life forms need one rather than an electronic signature.
Consent of trustees	Where the policy has a trust nomination. Nominations and trusts
Consent of an assignee	Where the policy has been assigned or pledged, for example as security for a loan.
Every joint owner's signature	Where the policy is jointly owned.
Grant of probate or letters of administration	Where an executor or administrator acts for a policyowner who has died. Inherited policies
Lasting power of attorney or court order	Where someone acts for an owner who can't act for themselves.
Company documents	Where a company owns the policy: usually a board resolution and authorised signatories.

Keep your documents safe

Send them only to your insurer
Through its own form, portal, counter or address. Use contact details from its website. Insurer service centres
Never by WhatsApp to strangers
No genuine insurer or buyer needs your identity documents by chat. Policy scams to know
Keep copies
Of the form, everything you enclosed and the insurer's acknowledgement.

Document questions

What documents do I need to surrender a policy?

Usually the insurer's form, identification, bank proof and the policy number. Some insurers also want the original policy or other consents, as listed above.

I have lost my policy document. Can I still surrender?

Usually, yes. Insurers that need the original have a lost policy declaration or indemnity form instead.

Do I need my financial adviser?

No. Insurers accept requests through their own channels, though an adviser can help you fill in the form.

Are the documents for a sale the same?

Similar, but a sale uses an assignment form instead of a surrender form. Assignment forms by insurer

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Insurance surrender documents checklist

For every surrender

Only in some cases

Keep your documents safe

Send them only to your insurer

Never by WhatsApp to strangers

Keep copies

Document questions

Papers ready? Check one more number first