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You can usually sell or surrender a Singapore life policy while living abroad, or before you emigrate. The steps are the same as in Singapore. What changes is how documents are signed and verified, how they travel, and where the money is paid.
Last reviewed 15 October 2026
If you are emigrating and don't want to keep the policy, settle it before you leave. Signing and verifying documents in Singapore is simpler, faster and cheaper than from abroad.
Keeping it is also an option. Many policies stay in force when you move overseas, with premiums paid from abroad. Check your policy for any residency terms first. Compare your choices
Insurers set their own rules. Ask yours before you sign anything.
Some insurer forms need a witness. Abroad, your insurer may ask for a notary or a Singapore embassy or consulate officer.
Where the insurer needs originals, such as a signed assignment or the policy document, send them by tracked courier and keep copies.
We verify identity only after we have spoken, and only through a secure upload. Never by WhatsApp or an open web form.
Allow longer than in Singapore. Courier and witnessing add days, and each insurer sets its own processing time. How long surrender takes
For a surrender, your insurer pays; for a sale, we do. Either way, only into an account in the policyowner's name.
A Singapore dollar account avoids conversion and overseas transfer fees.
We can't advise on tax in another country. Ask a tax adviser there how a surrender or sale is treated.
Often, yes. The insurer's assignment rules and our own checks apply wherever you live. Tell us your country when you ask.
Not always. Many steps can be done by courier and secure upload, but some insurers ask for documents to be witnessed in person.
Most life policies do, but some have residency or country terms. Read your policy or ask your insurer.
Some buyers don't take foreign currency policies. Tell us the currency and we give you a straight answer.
Tell us about your policy and your timing. No NRIC, no obligation.